Do I need a medical exam?
Some products use simplified or accelerated underwriting, while others may require records, an interview or an exam.
How much coverage do I need?
Coverage needs depend on income replacement, debts, final expenses, education, legacy goals and existing assets.
Can I own more than one policy?
Yes, subject to financial justification and carrier underwriting limits.
What is a preliminary quote?
An estimate based on information provided. Final pricing and approval depend on the insurer’s underwriting decision.