Frequently asked questions

Yes. The call is free, takes about 15 minutes, and there's no obligation to buy anything.

No. We meet by phone or video, so we can help you from anywhere in the country.

We're licensed in all 50 states.

Monday through Saturday, 8am to 6pm Arizona time. Arizona doesn't change its clocks for daylight saving time, so in summer our hours match Pacific time, and in winter they match Mountain time.

Often, no. Most final expense plans and many term plans only ask health questions, and some can approve you the same day.

Often, yes. Each insurance company views health conditions differently, which is one reason we compare several of them.

Guaranteed acceptance plans are also available for people who don't qualify elsewhere. They usually have a waiting period before the full benefit pays.

Yes. We work with many top-rated insurance companies, so we can compare prices and features for you.

Many policies can be approved and in force within a day or two, and sometimes the same day as your call.

Yes. We'll explain your options, including when it makes sense to leave the money where it is, and help with the paperwork for a direct rollover.

Some annuities add a bonus to new money you deposit, up to 20% on select products. Bonus products usually come with longer surrender periods or lower caps, and we'll explain those terms before you decide.

Fixed and fixed indexed annuities protect your principal from market losses as long as you follow the contract terms. Guarantees are backed by the financial strength and claims-paying ability of the insurance company.

Yes. Select life insurance policies include access to a will and trust at no extra cost. Ask us on your call which options qualify.

Life insurance goes to the beneficiary you name, not through your will. A will still matters for everything else you own and for naming guardians for your children.