Key Terms:


  • Insured

    The person who the life insurance protection is on.

  • Beneficiary

    The person or people who will receive the benefit amount if the insured were to die.

  • Policy Owner

    The person who owns the life insurance policy. This can be the insured, the beneficiary, or a third party like a trust.

  • Life Insurance Company

    The companies which issue life insurance policies.

  • Policy

    The contract between the policy owner and the insurance company which lays out the terms of the agreement.

  • In Force

    Your policy is active and you are now covered.

  • Face Amount

    The amount of money paid to the beneficiary if the insured were to die. Also, know as the benefit amount or death benefit.

  • Premium Payment

    The amount of money paid by the policy owner to the insurance company to keep the policy in force.



How we Make Life Insurance Simple


How we Make Life Insurance Simple

After spending over a decade in the life insurance industry, we have transformed how life insurance is purchased.

You no longer need individual insurance agents from multiple companies to come to your house to provide quotes for a policy.

You no longer need to contact large call centers to deal with pesky sales agents or customer service reps.

Our licensed advisors use their experience and the latest technology to find you the right policy at the lowest price.

These are the 5 Simple Steps you and your advisor will take to get you the protection you need.

Step 1

Speak to your licensed advisor to determine your needs and estimate the cost of your policy.

What you do:

  • Give us 5 - 7 minutes to answer some simple questions over the phone.

What we do:

  • Ask you simple questions about your needs, health, and lifestyle.
  • We match your needs to the right coverage amount and product.
  • We match your health and lifestyle to carriers' underwriting guidelines.
  • We recommend the right policy with the best company for you.

Step 2

After determining the best company and policy for you, you will need to complete your application over the phone with your advisor and schedule your free medical exam (if an exam is required).

What you do:

  • Give us 10 - 15 minutes over the phone.

What we do:

  • Fill out the application with you.
  • We schedule your free medical exam.
  • Answer all of your questions.

Step 3

If required, speak with the nurse to confirm your medical exam. Complete the free medical exam and sign your application with the nurse. The nurse will send your signed application and the exam results to the insurance company to start the underwriting process.

What you do:

  • Complete medical exam.
  • Review and sign your application.

What we do:

  • Make sure your exam was scheduled and paid for.
  • After the exam, we review your results to ensure our quotes are still accurate and that you applied with the right insurance company.

Step 4

Your advisor will work with the underwriter to approve your life insurance policy as quickly as possible. Your advisor will contact you if any outstanding requirements are needed to get your policy approved.

What you do:

  • Be on the lookout for our updates and possibly a few more questions.

What we do:

  • Check with the underwriters daily for status updates and keep on them to get your policy approved as quickly as possible.
  • Answer all of the underwriter's questions.
  • Keep you updated with the underwriting status and occasionally call and email with follow-up questions.
  • Contact you when your policy has been approved.

Step 5

Once your policy is approved, you will receive it in the mail with the final paperwork needed to activate it. If you haven’t already, at this time, you will also set up your payment method.

What you do:

  • Review Policy.
  • Sign final paperwork and set up a payment method.

What we do:

  • We deliver your new policy to you.
  • We answer all your questions.
  • We help you with the final paperwork on your policy.
  • We deliver the final paperwork to the insurance company.
  • We make sure your new policy is activated and in force.
  • We thank you for your business.

Key Terms:


  • Insured

    The person who the life insurance protection is on.

  • Beneficiary

    The person or people who will receive the benefit amount if the insured were to die.

  • Policy Owner

    The person who owns the life insurance policy. This can be the insured, the beneficiary, or a third party like a trust.

  • Life Insurance Company

    The companies which issue life insurance policies.

  • Policy

    The contract between the policy owner and the insurance company which lays out the terms of the agreement.

  • In Force

    Your policy is active and you are now covered.

  • Face Amount

    The amount of money paid to the beneficiary if the insured were to die. Also, know as the benefit amount or death benefit.

  • Premium Payment

    The amount of money paid by the policy owner to the insurance company to keep the policy in force.