Life & Disability Insurance FAQ

A healthy 35-year-old can often get $500,000 of 20-year term for roughly $27 to $28 a month. Your rate depends on age, health class, tobacco use, term length, and coverage amount. Women generally pay less than men of the same age. Full guide →

Every carrier writes its own underwriting rules. The same applicant can be quoted very different rates depending on which company reads the file. Comparing carriers is exactly where an independent broker earns their keep. Full guide →

No. The carrier pays the commission out of the premium either way, so you pay the same going through me as going direct. I charge no broker fee. The difference is I compare 25+ carriers instead of selling you one.

Permanent policies have no single rate — cost depends heavily on how the policy is funded and designed. The honest answer is a personalized illustration showing the guaranteed columns, not just the projected ones. Full guide →

Neither; they do different jobs. Term covers a defined period cheaply and expires. Whole life covers you for life and builds cash value, at a much higher cost. Many people use both. Full guide →

Add your debts, your income times the years your family needs it, your remaining mortgage, and education costs — then subtract savings and any work coverage. That is the DIME method. Full guide →

Often not. Healthy applicants can frequently qualify for accelerated underwriting and skip the labs. If you have a condition that reads worse on paper than in practice, the exam is usually worth taking. Full guide →

It is a good start and a poor finish. Employer coverage usually ends when the job does, and is sized to your salary rather than your mortgage, debts, and how many years your children depend on you. Full guide →

Usually yes. Managed conditions are priced, not declined. I regularly place people with diabetes, high blood pressure, sleep apnea, AFib, and cancer histories. Full guide →

Cancer survivors get covered every day. What matters is time since remission, the cancer type and stage, and documentation. Waiting periods and flat extras are common, and both are temporary. Full guide →

Not necessarily. Well-managed type 2 diabetes with a good A1c is often priced at or near standard rates. The carrier you choose matters more than the diagnosis. Full guide →

You are 3 to 5 times more likely to become disabled than to die during your working years. If your income stopping for a year would be a serious problem, it is worth it. Full guide →

Own-occupation pays if you cannot do your own job. Any-occupation pays only if you cannot do any job you are suited to. That gap is the whole policy, and two contracts at the same price can behave very differently. Full guide →

Usually not. Group coverage often replaces a fraction of base salary, uses a stricter definition, and ends when the job does. Most people layer an individual policy on top. Full guide →

Run a quote online or call me directly. I compare 25+ carriers, tell you which fits your situation, and handle the application. No pressure and no broker fee. Full guide →

That is exactly when an independent broker helps most. I know which carriers are lenient on which conditions, so a file that gets declined at one company can be standard at another. Full guide →

Term policies can be dropped anytime with no penalty, and most can convert to permanent coverage without a new medical exam. I will walk you through the options before you commit. Full guide →