How much term life coverage do I need?
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It depends on your income, debts, and family's needs — many people target 10-15 times their annual income, but the right amount varies. During your free review, Kirt will help you estimate a coverage amount based on your specific situation.
Can my family use the payout for anything?
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Yes. Most policies pay your beneficiary directly as a tax-free lump sum. They can use it for lost income, debt, living expenses, education, or anything else. It's their money to use as needed during a difficult time.
Can I still qualify if I have health issues?
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In many cases, yes. Kirt compares multiple insurance companies, each with different underwriting guidelines. One company may view a health condition differently from another, so available options can vary based on your individual situation.
How much does it cost?
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The cost depends on factors such as your age, health, coverage amount, and term length. Term life is often one of the most affordable types of life insurance, and your free review includes personalized quotes from multiple insurance companies.
Is there a medical exam required?
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Not always. Many term life plans offer no-exam or simplified issue options depending on your age, health, and desired coverage amount. Kirt can help you compare the options available for your situation.
Am I obligated to buy anything after the free review?
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Absolutely not. The free review is simply an opportunity to understand your options and compare available quotes. Kirt will explain the differences, and you decide if, when, and how you want to proceed.
I already have life insurance. Should I still request a review?
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Maybe. Many people already have life insurance, but their needs may have changed since they first purchased coverage. A free review can help determine whether your current coverage still aligns with your income, family situation, and financial goals. If your existing policy still appears to fit your needs, Kirt will explain that too.
What happens when my term ends?
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When your term ends, coverage typically ends unless you renew or convert it. Many term policies include a conversion option that may allow you to convert some or all of the coverage to permanent life insurance without new medical underwriting. Kirt can help you review the options and deadlines that apply to your policy.
Can smokers qualify for term life insurance?
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Yes. Many insurance companies offer coverage for smokers, although premiums are generally higher than for non-smokers. Because underwriting varies by company, Kirt can compare available options based on your health and lifestyle.
Can I qualify with diabetes or other health conditions?
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In many cases, yes. Every insurance company has different underwriting guidelines, and many applicants with diabetes, high blood pressure, or other health conditions still qualify for coverage. Your options depend on your individual situation.
Is the life insurance payout taxable?
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In most cases, life insurance death benefits are generally paid income tax-free to your beneficiaries. However, every situation is different, so it's always a good idea to consult a qualified tax professional regarding your specific circumstances.
How long does it take to get coverage?
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It depends on the insurance company and the type of policy you choose. Some applicants may be approved within days, while others may take longer if additional underwriting is required. During your free review, Kirt will explain what you can expect based on your situation.
Can I convert my term policy to permanent coverage later?
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Many term policies include a conversion option that may allow you to convert to permanent coverage later without new medical underwriting. Availability and deadlines depend on the insurance company and policy, so Kirt will help you understand the specific options that apply.
