Step 1: The Conversation (15-20 minutes)
Call or fill out the quote form. I'll ask about your age, general health, tobacco use, medications, and how much coverage you want. There's no wrong answer — this is just how we find which carriers and plans fit.
Step 2: Compare Real Numbers
I run your information against the carriers I work with and show you actual premiums, side by side — what each costs, what each covers, and the trade-offs. You see everything I see.
Step 3: Apply (20-30 minutes)
Usually by phone. I walk through the application with you: personal details, health questions, beneficiary designation. You can do it in one sitting.
Step 4: Underwriting (1-10 days)
The carrier verifies your answers — prescription check, maybe a quick phone interview. No exam for most applicants. Many simplified-issue approvals come back within days; some same-day.
Step 5: Approved — You're Covered
You get the policy, review it, and Florida's 10-day free-look starts: cancel within 10 days of receiving it for a full refund, no questions asked. After that, you're protected for life as long as premiums are paid.
What I need from you: honest answers and about 30 minutes of your time. What you get: real numbers, plain explanations, and zero pressure.
Frequently Asked Questions
How long does approval take?
Simplified-issue: often 1-5 business days, sometimes same-day. Guaranteed issue: typically approved immediately upon application. I'll set expectations for your specific situation.
Who should I name as beneficiary?
Usually a spouse, adult child, or trusted person who'll handle your arrangements. You can name more than one and split by percentage. Keep it updated after major life changes.
Can I pay monthly?
Yes — monthly bank draft is the most common. Most carriers also offer quarterly, semi-annual, or annual payments.
What if I'm declined?
Then we look at guaranteed issue — no health questions, no decline for health reasons. There's almost always a path to some coverage.