Well, that depends on the level of risk you present to the insurance carrier. Life Insurance premium is the predetermined dollar amount that you pay the insurance carrier in exchange for a death benefit.

Life insurance carriers offer a variety of products to accommodate different needs and risk classes. Each type of product offered has different risks, as does each individual policy issued.

You may be surprised to hear, but the answer to that is YES, you can! Many people believe that based on the severity of their medical issues, they have little to no chance of qualifying life insurance.

A beneficiary is a person or entity designated by the policy owner to whom the proceeds of the policy are paid upon the insured’s death.

Term Life Insurance is a contract between the insurance carrier and you, the policy owner, that states that they will pay a death benefit to the insured’s beneficiary in exchange for a premium payment – during a specified time frame, hence the word Term.

Being vested from day one means you won’t have to count down the months until you have 100% commission ownership. The term “vested” is often used in describing employer-sponsored retirement plans and how many years it takes for the employee to retain ownership.

There are many types of Final Expense Life insurance products on the market. Therefore, the options can be overwhelming to determine which works best for you, your family, and your goals.

If you are newly 214/215 licensed (congrats!), the first major decision you will have to make is critical… Should you be a Captive or Independent Insurance Agent?