Step 1: The Talk (15 to 20 Minutes)
Call or fill out the quote form. I will ask about your age, general health, tobacco use, drugs you take, and how much coverage you want. There is no wrong answer. This is how we find which carriers and plans fit.
Step 2: See Real Numbers
I run your facts against the carriers I work with. I show you real premiums, side by side — what each costs, what each covers, and the trade-offs. You see all that I see.
Step 3: Apply (20 to 30 Minutes)
Most often by phone. I walk through the form with you: your details, health questions, and your beneficiary — the person you name to get the money. You can do it in one sitting.
Step 4: Underwriting (1 to 10 Days)
The carrier checks your answers — a prescription check, maybe a short phone chat. Underwriting is the carrier's review of your application. No exam for most people. Many approvals come back within days. Some the same day.
Step 5: Approved — You Are Covered
You get the policy. You read it. Then Florida's 14-day free-look starts: cancel within 14 days of getting it for a full refund, no questions asked. After that, you are covered for life, as long as premiums are paid.
What I need from you: honest answers and about 30 minutes of your time. What you get: real numbers, plain talk, and zero pressure.
Frequently Asked Questions
How long does approval take?
Plans with health questions: often 1 to 5 business days, at times the same day. Guaranteed issue: most often approved as soon as you apply. I will set clear hopes for your case.
Who should I name as beneficiary?
Most often a spouse, adult child, or a trusted person who will handle your affairs. You can name more than one and split by percent. Keep it fresh after big life changes.
Can I pay monthly?
Yes. Monthly bank draft is most common. Most carriers also take quarterly, twice-a-year, or yearly payments.
What if I am declined?
Then we look at guaranteed issue — no health questions, no decline for health reasons. There is almost always a path to some coverage.