The amount of life insurance you need depends on your income, debts, family size, and financial goals. A common guideline is 10-12 times your annual income, but our advisors conduct personalized assessments considering your mortgage, children's education costs, final expenses, and your family's lifestyle needs to determine the optimal coverage amount for your specific situation.

Term life insurance provides coverage for a specific period (10, 20, or 30 years) with lower initial premiums but no cash value. Permanent life insurance (whole or universal life) offers lifelong protection with a cash value component that grows over time, but requires higher premiums. Our specialists help you understand which option aligns with your financial strategy and protection goals.

Medical requirements vary by coverage amount, age, and health history. Many policies require a medical exam, health questionnaire, and sometimes additional tests. However, some policies offer simplified underwriting or guaranteed acceptance options. Our team works with multiple carriers to find coverage options that match your health situation and comfort level with the application process.

Yes, many life insurance policies offer flexibility to adjust coverage. Term policies may allow increases during certain periods without medical underwriting, and permanent policies often include riders for additional coverage. However, changes typically require health underwriting and may affect premiums. We help you understand your policy's flexibility options and plan for future coverage needs.

When a claim occurs, beneficiaries contact the insurance company and submit a death certificate along with the claim form. Most claims are processed within 30-60 days if all documentation is complete. We provide ongoing support to help your family understand the claims process and ensure they receive benefits promptly during a difficult time, including assistance with paperwork and communication with carriers.