What is Life Insurance?

Personalized Life Insurance Solutions Tailored to You

 

Life insurance isn’t a one-size-fits-all solution. Your coverage depends on your unique health challenges, financial situation, and personal risks. Think of your broker as a matchmaker, connecting you with the ideal insurance carrier to meet your needs. As long as you're transparent when answering qualification questions, we can find coverage for almost anyone.

 

Why Your Health and Financial Details Matter

 

Life insurance carriers heavily weigh both your physical and financial health during the approval process. Sharing as much relevant information as possible with your broker helps them identify the best options for you.

For some, financial needs may exceed the limits of plans that don’t require a medical exam. While traditional underwriting with in-person physicals and blood tests was common, many carriers now prefer electronic exams.

 

What Is an Electronic Exam?

 

An electronic exam that uses your answers to medical questions and cross-references them with:

The Medical Information Bureau (MIB): A database that stores 20 years of medical diagnoses from doctors you’ve seen.

Prescription Databases: Records of medications prescribed to you over time.

Being upfront about past health events, such as a short rehab stay or significant weight loss, helps your broker choose carriers experienced in handling chronic conditions. The better the match, the faster and easier the approval process—what used to take weeks can now be completed in hours or even minutes.

 

Avoiding Over- or Under-Insurance

 

Managing life insurance coverage can be tricky—having too much can lead to confusion, while being underinsured leaves you vulnerable. Your broker ensures you have the right amount of coverage, as the law prohibits overinsurance.

To simplify the process, life insurance needs can be broken down into specific categories. Click the options below to learn more about each concept and how it applies to your unique situation.