(251) 709-1355

i7insures@gmail.com

251.709.1355Get a Quote
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Enter your information in the quoter. The more you are willing to be transparent and forthcoming, the more accurate your quote is going to be.
You’ll get your quote. It’s free and no obligation.
I’ll ask you a few follow up questions. If you want to go ahead with an application, we can do it right then, over the phone. It takes about 15–20 minutes to do an e-application.
If you want a more detailed quote, or have questions, we can work through those. I want you to have confidence that you are making a great decision.
If you are like me and need to sit on something a few days, that’s no problem either. When you’re ready, I’m ready. Simple!
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Consider these common riders: • Accelerated Death Benefit (Living Benefits) • Children’s Term Rider (coverage for children) • Accidental Death Rider (extra benefit for accidental death) • Return of Premium Rider (refunds premiums if you outlive the term) Also review your policy’s convertibility options to switch to permanent coverage.

You can get a quick quote in about 5 minutes. If you’re comparison shopping, I’ll follow up the same day. The more health history you share, the more accurate your quote. Be truthful and thorough—carriers will verify details, and missing info can delay or impact approval.

Also called living benefits, this rider may pay up to 95% of the policy’s face value if you’re diagnosed with a chronic, critical, or terminal illness. Funds can be used for medical bills, mortgage, or living expenses, and any amount taken reduces the death benefit proportionally. Review your policy for any applicable fees and eligibility rules.

Generally, the younger you are, the lower your premiums. For most, the best value is the longest term available—often 30 years; some carriers offer 40-year terms for applicants 45 or younger. Longer terms also extend your window to convert to permanent coverage.

Absolutely. Online quoting for permanent policies isn’t accurate, which is why it’s not offered. Call 251-709-1355 or email i7insures@gmail.com with your health details, and I’ll provide a solid whole life quote.

Insuring children can lock in early insurability and lifelong coverage, which is valuable if health issues arise later. A small whole life policy can build cash value over time and provide long-term protection. I chose this for my own children and consider it a wise, budget-friendly decision.