Frequently Asked Questions

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That's a great question! Working with an independent agent like myself offers distinct advantages:

• Personalized Service: I take the time to truly understand your unique needs and goals.  We'll have in-depth conversations, not just a quick online form. This ensures you get the right coverage, not just the most popular one.
• Unbiased Advice: I'm not beholden to any single insurance company. I work with a wide range of top-rated insurance companies, so I can compare policies and find the best fit for you, not my sales targets.
• Expert Guidance:  Navigating the world of life insurance can be confusing. I'll explain the complexities in plain English, answer your questions thoroughly, and help you make informed decisions.
• Attention to Detail: I'll carefully review your application and ensure everything is complete, minimizing potential delays.
• Access to many Products and Riders:  I offer a wider selection of life insurance products and riders than you'll find with any single company. 

Absolutely! While I'm based in North Carolina, I'm also licensed in California, Arizona, Texas, and Virginia. I can help families in these states secure the life insurance protection they need, no matter where they reside.

The insurance industry has evolved! Thanks to technology and the shift towards virtual communication during the pandemic, I can now offer a convenient and safe way to connect with clients across multiple states.  I offer virtual consultations via phone or video conference, so you can complete the entire process from the comfort of your home, at your own pace.

Rest assured that when you complete an electronic application, your sensitive information is entered directly into the insurance carrier's secure platform during the application process. These carriers utilize security measures, including encryption and authentication, to protect your data. While we guide you through the process, the ultimate responsibility for the security of your information on their platform rests with the carrier.

While online platforms seem quick and easy, they often lack the personalized touch and expert guidance you get with an independent agent. Here's why working with me is a smarter choice:

• No "One-Size-Fits-All" Approach: Online applications often have limited options and may not cater to your specific circumstances. I'll help you find a policy that truly aligns with your needs and budget.
• Field Underwriting Expertise: I can conduct pre-screening and "field underwriting" to assess your eligibility and identify potential red flags before you formally apply. This minimizes the risk of your application being declined, which can negatively impact your ability to get coverage in the future.
• Maximizing Your Coverage:  I'll explain valuable add-ons like riders, which can significantly enhance your policy. 
• Advocating for You:  If you have health issues or credit challenges, online applications may automatically decline you. I'll gather detailed information about your health and financial history, present your case to the underwriters, and advocate for the best possible outcome.

Yes, I can!  Past declines don't necessarily mean you can't get coverage now. I'll work with you to understand the reasons for the previous decline and explore alternative options.  We'll focus on presenting a strong case to the underwriters, highlighting any positive changes in your health or financial situation.

Transparency and trust are vital when choosing an insurance agent.  I understand the importance of feeling confident in my qualifications.  Here are two ways you can verify my credentials:

1. In every consultation: I provide clients with a copy of my insurance license for the state where we're conducting business. This ensures you have a record of my license number and National Producer Number (NPN) for your reference.
    
2. Through the National Association of Insurance Commissioners (NAIC) website: You can independently verify my licensing status and information through the NAIC's Producer Database.
    
   • Visit: https://sbs.naic.org/solar-external-lookup/