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Straight answers

The questions I hear most.

No jargon, no sales pitch — just the answers I'd give you on the phone. If yours isn't here, ask me directly.

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• How Much Life Insurance Do I Actually Need? Rules of thumb aren't answers. Funeral and cemetery costs, income replacement, and living benefits — how to size a policy to what you actually want it to do.
• I Have Life Insurance Through Work. Isn't That Enough? Employer life insurance usually ends when the job does, and the amounts are often far below what a family needs. What group coverage does and doesn't do.
• Can I Get Life Insurance With a Health Condition? Very often, yes. Carriers underwrite conditions differently — one may decline what another accepts at standard rates. How to approach coverage with a health history.
• What Does Working With an Insurance Agent Cost? Nothing. Independent agents are paid by the carrier, and you pay the same premium either way. How agent compensation actually works.
• Term or Whole Life Insurance — Which Should I Get? Term gives maximum coverage per dollar for a set period. Whole life lasts for life and builds cash value. Which one fits depends on what the coverage is for.
• What Happens to My Policy if I Move to Another State? Your life insurance policy moves with you. What changes, what doesn't, and what to review when you relocate — including Medicare, which works differently.
• When Can I Enroll in Medicare? IEP, AEP, OEP and SEP Explained Medicare has several enrollment windows — Initial, Annual, Open, and Special Enrollment Periods. Which one applies to you, and what happens if you miss it.
• Medicare Supplement or Medicare Advantage — Which Is Better? Medigap offers any-doctor freedom and predictable costs at a higher premium. Advantage offers low premiums and extra benefits within a network. How to choose.