Why do people get life insurance?

Life insurance is basically a safety net. It helps your family stay financially secure if something unexpected happens — covering bills, income, and final expenses.

How do I know how much I need?

Everyone’s situation is a little different. Most people aim for 10–12 times their income, but we can help you figure out what makes sense for your goals and budget.

What’s the difference between Term and Whole Life?

• Term Life is simple and affordable — great coverage for a set number of years.

• Whole Life lasts your entire lifetime and builds cash value you can use later.
  At Life Vest Financial, we walk you through both, so you can choose confidently.

Can I get coverage if I’m not in perfect health?

Yes! Many of our clients qualify even with health concerns. We work with a wide range of carriers to find the best fit.

Will I need a medical exam?

Not always. We offer several no-exam and quick-approval options, depending on your age, health, and coverage needs.

How long does it take to get approved?

Some policies are instant. Others take a couple of weeks. Either way, we keep the process simple and stress-free.

What happens if I outlive my term policy?

When your term ends, you can renew, convert it to a permanent policy, or explore new options. We’ll help you review everything before that time comes.

How soon can I get coverage?

Many clients get covered the same day they apply. If you’re ready, we’re ready..