FAQ

Common Questions

Everything people usually ask before requesting a quote.

General

Is requesting a quote actually free?

Yes. Requesting a quote costs nothing and doesn't obligate you to purchase anything.

Will this affect my credit?

No. Requesting a life insurance quote does not involve a credit check or affect your credit score.

How fast will someone contact me?

A licensed agent typically follows up shortly after you submit your request, during business hours.

Is my information shared with anyone?

Your information is used to connect you with a licensed agent for your quote, and is never sold. See our Privacy Policy for full details.

Coverage

What if I'm not sure which policy I need?

That's normal — select what you're trying to accomplish on the form, and your agent will walk you through term, whole life, and universal life options based on your goals.

Do I need a medical exam?

It depends on the specific policy and carrier. Some options require one, others don't — your agent will explain what applies to the coverage you're considering.

Is whole or universal life an investment?

No. Life insurance is not a security, bank deposit, or investment. Certain permanent policies build cash value as a feature, but growth is not guaranteed and depends on the specific policy.

Can I change coverage later?

Depending on the policy, you may have options to adjust coverage over time. Your agent can explain what applies to your specific policy.

Working With Us

Are your agents actually licensed?

Yes. Every agent you'll speak with is licensed to sell insurance in Florida.

Will I be pressured to buy something?

No. Our agents aim to give you clear information so you can make the right call for your family — there's no obligation to purchase.

What happens after I request a quote?

A licensed agent reaches out to understand your goals and budget, then walks you through coverage options that fit. See the full How It Works page for details.

How do I stop being contacted?

You can reply STOP to any text, tell an agent on a call, or contact us directly. See our Privacy Policy for details.

Still Have Questions?

The first conversation with an agent is free and no-obligation.