Free Tools & Guides
Resources to help you plan.

Use our coverage calculator, learn how the claims process works, and download a free planning checklist — all before talking to anyone.

Coverage Calculator How Claims Work Free Checklist
Coverage Calculator
Estimate your coverage needs.
Get a quick ballpark estimate of how much life insurance coverage you may need. This is a starting point — your actual needs may vary.
Estimated Coverage Range
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Get Your Actual Quote — Free

This calculator provides a general estimate only. Actual coverage needs depend on your unique financial situation. A licensed agent can help you determine the right amount — at no cost to you.

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The rate you qualify for today is the lowest you will ever see. Every year you wait, your age and health change — and so does your rate. The window is right now.

How Claims Work
We don't disappear after the sale.

For every policy we place, our agents personally go over the claims process with the beneficiaries — so your family already knows exactly what to do and who to call if something ever happens.

1

Contact Us First

Your family calls us directly. We handle everything from here — no 1-800 numbers, no automated menus.

2

We Gather the Paperwork

We help collect the death certificate, policy documents, and beneficiary identification. We know exactly what each carrier needs.

3

We File on Your Behalf

We submit the claim directly to the insurance company and follow up until it's processed. You don't have to chase anyone.

4

Your Family Gets Paid

Most claims are paid within 30–60 days. We also work with carriers that pay out in 24–72 hours to cover funeral costs immediately.

Read our full claims guide →
Claims FAQ
How long does it take to get paid?
Most life insurance claims are paid within 30 to 60 days of filing. If all paperwork is in order, many carriers process claims even faster — sometimes within 2 weeks. For families who need immediate help with funeral costs, we work with carriers that can pay out within 24 to 72 hours.
What documents are needed to file?
You'll typically need a certified death certificate, the policy number, a completed claim form (we help with this), and a government-issued ID from the beneficiary. We walk you through everything so nothing gets missed.
Can a claim be denied?
It's rare, but claims can be denied if the policy lapsed, if there was material misrepresentation on the application, or if the death occurred during the contestability period (usually the first 2 years). We help you avoid these issues from day one.
Do I have to deal with the insurance company myself?
No. That's why we're here. We handle all communication with the carrier, file the paperwork, and follow up on your behalf. Your family just needs to call us — we take it from there.
Is the payout taxable?
In most cases, life insurance death benefits are received income-tax-free by the beneficiary. There can be exceptions with estate taxes on very large policies, but for the vast majority of families, the full amount goes directly to your loved ones.
Free Download
Get Your Life Insurance Planning Checklist

Not ready to talk yet? No problem. Download our free 10-point checklist that walks you through exactly what to consider before buying life insurance — coverage amounts, policy types, common mistakes to avoid, and more.

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