Frequently Asked Questions

How easy is it to get insurance?
   Many times life insurance can be put in force immediately.  For life and health insurance, the underwriting process will confirm the health of the individual and can take several weeks.  For short term health, coverage can begin the next business day. For auto and homeowners insurance, a policy’s renewal date is the easiest time to change policies. Coverage can be cancelled mid-policy and companies will generally reward a pro-rated refund based on the unused portion of a policy.

What type of insurance do you offer?
   Term Life, Universal Life, Annuities, Short Term Health, Permanent Individual Health, Long Term Disability, Automobile, Homeowners

What if I apply for short term insurance and get a job that provides me with permanent insurance before my short term insurance expires?
   If you are uncertain how long you'll need coverage, you may pay month-to-month (up to 6 months)

How do I contact you after hours?
   Call any time, or use our contact form on the website- click here!

What factors do I need to consider prior to applying for insurance?
   Click here to view a list of items you need.