Frequently Asked Questions

Not everyone does. Life insurance becomes relevant when someone depends on you financially, or when your absence would create financial pressure for others. If you’re unsure, that’s normal—the self-check is designed to help you think this through calmly.

There’s no single “right” number. Most people start with a range, not a precise amount. The calculator on this site provides an estimate to help you think in context—it’s a starting point, not a decision.

No. This site is designed to help you decide whether life insurance deserves your attention, not to push products. There are no instant quotes, no pressure, and no obligation to move forward.

Nothing automatic. We review your question, clarify what you’re trying to decide, and only move forward if you explicitly want to explore options.

No. Quotes are only discussed if—and when—you ask for them. Many people use this site simply to understand their situation better, without buying anything.

Not necessarily. You can start by asking a single question via email or form submission. A conversation only happens if it’s helpful to you.

The biggest factors are typically age, health history, smoking status, coverage amount, and policy duration. That’s why pricing varies widely and why estimates without context are often misleading.

It depends on the individual and the goal. Some people are surprised by how affordable certain options are; others decide it’s not a priority right now. Both outcomes are reasonable.

Yes. Many people do. Coverage can often be adjusted over time as your income, family situation, or priorities change.

Employer coverage can be helpful, but it’s often limited and tied to your job. Whether it’s sufficient depends on your responsibilities and what would happen if you changed employers.

Health history matters, but it doesn’t automatically mean insurance isn’t an option. Different conditions are evaluated differently, and timing can also play a role.

Your situation may involve additional considerations, such as business continuity or shared obligations. This is a case where clarity matters more than quick answers.

No. Your information is not sold or shared with third parties for marketing purposes. It’s used only to respond to your request or question.

No. A phone number is optional. You can communicate by email if that’s your preference.

No. We do not contact employers, family members, or anyone else without your explicit request.

That’s completely fine. Many people gather information first and make decisions later—sometimes much later. There’s no penalty for waiting.

There’s no universal answer. Earlier planning can offer more options, but the “right time” depends on your life stage and priorities.

The self-check is designed for exactly that situation. It helps you decide whether life insurance is something to revisit now, later, or not at all.

Deciding that life insurance is worth considering does not mean you are committing to a purchase. If you choose to continue, the next phase is typically a thoughtful, low-pressure evaluation—looking at your responsibilities, existing coverage, cash flow, and life stage to understand what actually needs to be covered. Only after that would coverage ranges be discussed, followed by a careful comparison of available options nationwide. The goal is not to rush decisions, but to arrive at something reasonable, flexible, and appropriate for your situation. This is not a one-time decision. Coverage can be adjusted over time—or paused entirely—as your circumstances change. If you’d like to understand this process in more detail, you may click [What happens next] below.