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Frequently Asked Questions
Common Questions Answered for your convenience.
What types of insurance do you specialize in?
We help people with Indexed Universal Life, Term, Medicare, Final Expense and Marketplace health plans..
Do you offer a free quote?
Absolutely! We even take it a step further. During our 15 minute phone call, we will gather the necessary information to give you an ACCURATE quote of what you can actually be approved for. Many companies will just throw out numbers based on your age but have no idea if you could actually be approved for that or not. We go the extra mile to be accurate and make the whole process simple and easy to understand
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What makes getting my IUL with you different than anyone else?
There are lots of people who will help you set up an Indexed universal life policy. Most agents set it up so you have more insurance and less cash value in the long run because it pays them more. At Affordable Insurance Solutions, we find out what YOU WANT from your policy and set it up according to your goals. Structure is everything.
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Why can't I just give you my age and you give me a price?
There are companies that might do that. However, many times you will not be approved at that price. When I enter the quote system and just put an age it will give me the best rates but those adjust based on what prescriptions you take and your medical conditions. The best way to get an accurate quote that you can be approved for is to have a short phone call so we can gather all the information and present to you options that you will get approved for to protect your family.
How often should I have my Medicare plan reviewed?
The simple answer is every year. If you 've been on the same plan for more than 2 years, you're probably missing out on great benefits that newer plans would have. These plans update and change every year. You worked your whole life to get medicare, you MUST be loyal to yourself not any one company. At affordable insurance solutions, we show every medicare option in your zip code to make sure you are getting ALL THE BENEFITS you worked your whole life to get.
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Do I have to get a medical exam to get coverage?
Our priority is no medical exam. For all final expense there are no medical exams. For most others, we have programs with no medical exam. The exceptions would be for large TERM insurance or IUL policies, where the face value is over $2,000,000 you may have to get a para-med exam.
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