Resources
No jargon, no sales angle. Here is how coverage actually works, so you can decide what makes sense for your family.
A short set of yes-or-no questions about tobacco use, recent hospital stays, and major conditions. It is not an exam and not an application — it just tells Justin which carriers to look at first.
Start with the job the money has to do: funeral costs, remaining debt, years of income, or a gift to grandchildren. Add them up, subtract what is already covered, and that is your starting number.
Most carriers set up premium payments as a monthly draft from a checking or savings account. Knowing whether you have one narrows the list of products actually available to you.
Old policies are worth a second look. Employer coverage often ends with the job, and a policy bought twenty years ago may no longer match the family it was meant to protect.
It depends on what you want the money to do. Some families are covering funeral costs and final bills, which may mean a smaller policy. Others are replacing years of income or paying off a mortgage. Justin walks through your specific goals and budget before suggesting a coverage amount.
Not always. Many final expense and simplified-issue policies use a health questionnaire instead of an exam. Larger fully underwritten policies may require an exam or medical records. Your answers still affect eligibility and pricing in every case.
Often yes, though it depends on the condition, how it is managed, and the carrier. Because Justin is an independent broker, he can look at how different carriers view your situation. Approval is never guaranteed and always depends on carrier underwriting.
Life insurance pricing is based largely on age and health at the time you apply. Every birthday and every new health event can change what options are available and what they cost. There is no pressure to decide today, but reviewing options while you are feeling well generally keeps more of them open.
Term covers you for a set number of years and is usually less expensive for the same coverage amount. Whole life is permanent, has level premiums, and builds cash value over time. Many families use a combination of the two.
Most carriers set up premium payments as a draft from a checking or savings account at a bank or credit union. Knowing that up front helps Justin narrow down which carriers and products are actually available to you.
It is a short set of yes-or-no questions about tobacco use, recent hospital stays, and major conditions. It is not a medical exam and it is not an application. It simply helps Justin know which carriers to look at first so you are not sent down a path you would not qualify for.
Nothing. The Family Protection Review is free, and there is no obligation to buy anything. If you decide a policy fits, Justin is compensated by the insurance carrier, not by you.
TX, GA, IL, IA, MI, MS, MO, OK, SC, AZ, FL, KS, LA, CO, NV, NC, OH, OR, PA, and WV.
Please leave a voicemail with your name and the best time to reach you. Justin returns every message personally, usually the same day.
Coverage for a set period of years, often used while raising a family or paying off a home.
Term options that may return premiums paid if the policy is still in force at the end of the term, subject to policy terms.
Lifelong coverage with level premiums and cash value that builds over time.
Smaller policies designed to help cover funeral costs and other final expenses.
Coverage intended to help replace lost household income for the people who depend on it.
Send them over with your review request and Justin will walk through them with you personally.