Frequently Asked Questions

Some policies require one, while others offer simplified or guaranteed issue options depending on your health and the coverage amount.

Many term policies can convert to permanent coverage, and you can always apply for an additional policy separately.

Term policies generally lapse and coverage ends, unless there's a grace period, so staying current matters.

Employer coverage often doesn't follow you if you leave the job and may be lower than what your family actually needs.

Fill out the form on this page and we'll follow up directly to get you real numbers as quickly as possible.