FACTs & FAQs

As soon as you turn 30. If there are no major health issues, this is when Disability coverage or Long Term Care costs are the lowest for you. Keep in mind that you are covered from day 1 as soon as you pay the first premium, depending your medical exam. Make sure to ask how you can get a 3-in-1 policy with disability coverage, death benefits for your beneficiaries, and your final expenses with no advance out-of-pocket payments, invoices or bills, and monthly premiums needed when you need the service.

If you want to be your own boss and don't want to depend on the job market, your employer, or the stock market for a stable income. Or you just want to retire early - then make your own arrangements and start paying yourself back at your desired age. This is a guaranteed product and removes your dependence from what's not in your control.

Your coverage disappears when your job does. If you change employers, get laid off, or retire, your life insurance sponsored by your em ployer ends.Employer coverage is often 1–2 X the annual salary, while many families need 10–15 X to replace earnings, pay off debt, fund college, and maintain their lifestyle in absence of the earning member.You may not qualify when you need it. We need it the most when our family's expenses are high and the likelihood of using it grows as we grow older. However, if you go out to shop for a private insurance policy after age 50, depending on your health it may be extremely expensive or you may not qualify at all.