Navigating the world of insurance can feel overwhelming — but it doesn’t have to be. I’m committed to giving you straightforward, honest answers so you can make confident decisions for your family.

Below are the most common questions I receive from clients looking for mortgage protection and life insurance.

Frequently asked questions

Clear Answers. Real Guidance. Protection You Can Trust.

We understand that choosing a mortgage protection plan involves many considerations. Here are some of the most common questions we receive, designed to help you make an informed decision.

đź©ş Will I need to take a medical exam?

No. I work exclusively with A‑rated carriers that offer simplified underwriting. This means:

  • No medical exam

  • A quick prescription check

  • Instant decisions with most carriers

  • You can get quoted, approved, and covered in under 10 minutes

Fast. Simple. Stress‑free.

 

❤️ Can I get coverage with pre‑existing conditions?

Yes. As a brokerage, I have access to 40+ top‑rated carriers, which allows me to find solutions for clients with:

  • Diabetes

  • Heart conditions

  • Cancer history

  • HIV/AIDS

  • And many other health concerns

There is almost always a plan available. Protect your family today — tomorrow isn’t guaranteed.

PROTECT THEM TODAY, TOMMORROW MIGHT BE TOO LATE!!!

đź“Ź How do I know how much coverage I need?

I work one‑on‑one with every client. No machines. No automated systems. No guesswork.

Together, we’ll determine:

  • Your mortgage balance

  • Your income needs

  • Your family’s long‑term goals

  • Your budget

Then I build a personalized protection plan that fits your life.

đź’µ What is ROP (Return of Premium)?

A Return of Premium (ROP) policy is a type of term life insurance that refunds all or part of the premiums you paid if you outlive the term.

Some carriers even allow you to convert your refund into a paid‑up whole life policy, often with a higher face amount than the refund itself.

It’s a smart way to protect your family and build long‑term value.

🏦 Am I able to borrow from my policy?

Yes — if you have a permanent life insurance policy.

Permanent policies can:

  • Build cash value

  • Be borrowed against

  • Be used as a financial asset

  • Provide long‑term flexibility

If you want to explore cash‑value options, I can walk you through the best carriers and structures for your goals.

CONTACT ME TODAY TO SET UP AN APPOINTMENT

Still have questions?

I’m here to help you understand your options and choose the right protection for your family.

Call, text, or message me anytime to schedule your free consultation. I’m available 7 days a week and always happy to help.