Frequently Asked Questions
These are the questions people bring me first. If yours isn't here, just ask — no question is too small.
Questions people ask me first
How much life insurance do I actually need?
It depends on what you want the money to do — replace income, cover a mortgage, pay off debts, or leave something behind. We can walk through your situation together and land on a number that feels right, rather than guessing.
What's the difference between term and whole life?
Term covers you for a set number of years and is usually the most affordable way to get a large amount of protection. Whole life lasts your whole life and can build cash value over time. Which fits depends on your goals and budget — there is no single right answer for everyone.
Do I have to know which policy I want before we talk?
Not at all. Most people don't, and that's exactly what I'm here for. You tell me what you're trying to protect, and I'll explain the options in plain language so you can decide when you feel ready.
Will working with an agent cost me more?
No. As an independent agent I'm paid by the insurance company when you choose a policy, so my help comes at no extra cost to you. You get someone in your corner comparing options instead of shopping alone.
What happens after my policy is in place?
I'm still your point of contact. Beneficiary changes, policy reviews, questions when life changes, guidance if your family ever needs to start a claim — you call me, not a call center.
Still have a question?
Ask me anything — even the ones that feel too basic. I'd rather you understand what you're signing than have you guess.
I’m an independent agent — no pressure, and no cost to talk through your options.
Send me a message
Don’t like forms? Contact me at 920-328-5403 or email me.