Step 1: We Talk
Call or send the form. About 15 to 20 minutes. I ask about your age, health, tobacco use, and coverage goals. Easy talk, no quiz pressure.
Step 2: You See Real Numbers
I run your facts past the carriers I work with. You see real premiums side by side — cost, coverage, and trade-offs. All cards on the table.
Step 3: You Apply
Most often by phone, 20 to 30 minutes. We fill out the form together: your details, health questions, and your beneficiary — the person who gets the money.
Step 4: The Carrier Reviews
This is underwriting — the carrier's review of your application. A prescription check. Maybe a short phone chat. No exam for most. Answers often come back in days.
Step 5: You Are Covered
The policy arrives. You read it. Florida's 14-day free-look runs: cancel within 14 days for a full refund, no questions asked. Then you are set for life, as long as premiums are paid.
My ask: honest answers and half an hour. Your gain: real numbers, plain talk, zero pressure.
Frequently Asked Questions
How fast is approval, really?
Health-question plans: often 1 to 5 business days, at times same-day. Guaranteed issue: most often on the spot.
Who should get the money?
A spouse, adult child, or trusted person who will handle things. You can split it by percent among several people. Revisit it after big life changes.
How do I pay?
Monthly bank draft is most common. Quarterly, twice-a-year, and yearly work too.
What if no carrier will take me?
There is almost always a road: guaranteed issue cannot turn you down for health. We will find it together.