What happens after you answer
Five questions on the site, one conversation with a licensed adviser, a written recommendation. Here's each part in more detail, including what it costs (nothing) and what happens if it isn't a fit.
Answer five questions
About a minute on the site. No exam, no health questions, no account numbers.
- Your age range and who depends on your income
- Household income and how many years it should be covered
- Whether you already hold any coverage
- A ZIP code, so we can match you with an adviser licensed in your state
A licensed adviser reaches out
Usually by text first, at the number you gave us, to find a time that works. Then a call of twenty to thirty minutes.
- Licensed in your state and appointed with multiple carriers
- They see the target you built and the answers behind it
- You can stop contact at any point by replying STOP
A recommendation, then your decision
You get the mix that fits in writing, with the reasoning. Apply if it's right. Walk away if it isn't.
- Term, permanent, final expense, or a combination
- Amounts, terms, and the premium range the adviser quotes for each
- Whether your existing work coverage should stay in the plan
What the conversation covers
It's a diagnosis, not a pitch. The adviser is trying to answer one question: if your income stopped tomorrow, what would your family need, and for how long?
- Income, and how many years of it your family would need
- The mortgage or rent, and any other debt that would land on them
- Savings and anything already in place, including coverage through work
- Who depends on you now, and who might in ten years
- Health basics that decide which carriers and products are open to you
Worth having to hand
- A rough idea of your monthly bills
- Any existing policy or work benefit statement
- Your questions. Write them down; there are no bad ones.
None of it is required. The adviser can work from your answers alone.
What you walk away with
- A coverage target you understand and could explain to someone else
- A recommendation for the kind, or mix, of coverage that fits it
- An honest read on whatever coverage you already have
- A clear next step, or a clear “you're fine”
If it isn't a fit
Some people are already covered. Some are better served by a small final-expense policy than a large term one. Some should wait. The adviser will say so, and nothing else happens: no follow-up campaign, no second pitch. You can also stop at any stage by replying STOP to a text or telling the adviser directly.
Nothing, at any point
You never pay us. If you decide to apply and a carrier issues the policy, the carrier pays the adviser or their agency a commission out of the policy's pricing. It isn't an extra line on your bill; the premium is the carrier's rate either way.
That means we only do well when someone ends up with coverage they actually keep. Selling the wrong policy, or a bigger one than a family needs, costs us the relationship, so the advice is built to hold up years later, not just on the call.
See your family's number
Five questions. Sixty seconds. No cost, no obligation.