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FIND THE RIGHT LIFE INSURANCE POLICY TO GIVE YOU AND YOUR FAMILY PEACE OF MIND
1. TELL US ABOUT YOURSELF
2. REVIEW YOUR OPTIONS
Answer a few easy questions. This will filter over 670,000 policy options down to the ones that fit your personal needs.
Have a licensed professional review quotes that are recommended based on your situation. Ask any and all questions and compare the policy options then select one or a few.
3. APPLY FOR FREE AND GET A DECISION
One of our licensed agents will answer any questions you have and walk you through next steps to easily apply. Most can be handled over the phone and can get an instant decision with no physical exam, bloodwork or urine.
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WHAT PEOPLE ARE SAYING
"No physical exam and being able to get an instant approval was a very pleasant surprise!"
Dorothea Smith, Client
FREQUENTLY ASKED QUESTIONS
Prefer to do it yourself at your own convenience?
You can review various options, run quotes and apply for your own policy. And then get an instant decision entirely online without even having to talk to an agent if you prefer. Just select your option below!
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**If you are looking for an Indexed Universal Life (IUL) with the cash value or an Annuity for retirement purposes, you will need to speak with an agent to review some options.
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***And if you have any questions or need something cleared up about a policy you are looking at, book an appointment and we will gladly spend some time going over whatever you need.
HOW DOES LIFE INSURANCE WORK?
An insurer makes regular payments to a company and, if they pass away, their beneficiaries receive a payment.
WHY DO I NEED LIFE INSURANCE?
Because the future is uncertain and no matter how healthy someone is today, it’s possible for them to pass away tomorrow. By purchasing life insurance, you will ensure that no matter what happens to you, your family will receive financial security to be alright.
DO I NEED TO TAKE A MEDICAL EXAM TO GET COVERAGE?
In some cases an exam will be necessary, but for many it is not. Many of the policies found on my website can get you approved without one by using electronic health records.Electronic health records sync to your medical provider and send the insurance company your health history. This greatly diminishes the need for invasive medical exams and chances are you won’t need one. The introduction of electronic health records into the industry have greatly diminished the need for them.
WHEN SHOULD I GET IT?
It’s never too early to get coverage. In fact, the younger you get it, the cheaper your premiums will be because your health is less of a risk. Most young people wait until they’re older or they’ve hit a life milestone, but you can get it at any age.
ALBERT LAU
Licensed Life Insurance Agent
Board Memeber and Founder of The Elite Agency
Hi! My name is Albert Lau and I have been licensed and working in the Insurance industry for over 17 years. I love working with people and have a passion for helping others and providing value to the clients I get the opportunity to work with. I also love my agency and working with the people in it. Life is short, handle what you need to, make the most of it and enjoy yourself while doing it!
