Initially, the focus will be on understanding your specific situation, including reasons for a new policy, your death benefit need, and risk tolerance, cash flow, and policy funding options. It is a discovery process to understand your needs before we explore the product best for you.
Once your goals are clear, policy types are reviewed with you, so you are aware not only of the benefits but the possible disadvantages of every policy type. While staying clear of unneeded industry jargon, you are educated so you can be comfortable the decisions you make will be the best for you and your beneficiaries.
You are guided through the underwriting process and provided with information and strategies to ensure a favorable underwriting offer. You will have an advocate on your side to ensure that the policy obtained is as efficient as possible. You will receive clear information to ensure the policy delivered is understood and appropriate.