Frequently Asked Questions

---

Term Life Insurance is like renting protection—you pay for coverage for a specific period (10, 20, or 30 years). It's more affordable and perfect for young families or those with temporary needs like a mortgage. If you're healthy and want maximum coverage while your kids are growing up, term life is often the best choice.

Whole Life Insurance is like owning protection—it lasts your entire lifetime and builds cash value you can borrow against. It's more expensive but acts as both insurance and a savings account. Great for estate planning or if you want guaranteed coverage no matter what health changes come your way.

Think of it this way: Term life protects your family during their most vulnerable years, while whole life protects your legacy forever.

A good rule of thumb is 10-12 times your annual income, but every Pocono family is different. 

Consider:

• Your mortgage and debts
• Children's education costs
• Your spouse's ability to maintain the household
• Final expenses
• Your family's lifestyle and goals

We help you calculate the right amount during our free consultation—no pressure, just honest guidance from your neighbors.

Absolutely! Many of our Monroe County clients are surprised by what's possible. We work with multiple insurance companies, and each has different health guidelines. Conditions like diabetes, high blood pressure, or past heart issues don't automatically disqualify you.

We'll find the company that views your specific situation most favorably.

Temporary coverage often begins immediately when you apply (depending on your health responses).

Permanent coverage starts once your policy is approved and your first payment is processed.

We'll walk you through exactly when your family is protected every step of the way.

Annuities grow your money in several ways:

Fixed Annuities: Guaranteed interest rate (currently 3-5% annually). Your principal is completely protected—perfect for conservative savers.

Variable Annuities: Your money is invested in market-based accounts. Potential for higher returns (6-8% historically) but with market risk.

Indexed Annuities: Tied to market indexes but with downside protection. You get some market upside with guaranteed protection of your principal.

Real talk: Annuities aren't get-rich-quick schemes. They're for steady, long-term growth with tax advantages. Perfect for retirement planning or protecting money you can't afford to lose.

Consider annuities when:

• You want guaranteed income in retirement
• You've maxed out your 401(k) and IRA contributions
• You're concerned about market volatility
• You want tax-deferred growth

Annuities work well for Pocono residents who: Own their homes, have stable incomes, and want to ensure their mountain retirement is secure.

We're your neighbors. When life happens—a claim, a question, or a major life change—you call someone who knows your name and your family. Online companies offer convenience, but we offer something more valuable: a relationship.

Plus, we work with multiple insurance companies to find you the best rate and coverage, not just sell you one company's products.

No fees to you. Insurance companies pay us directly, so our service costs you nothing extra. Whether you buy a policy or not, our consultations are always free.

We make money only when we find you the right coverage at the right price—so our interests are aligned with yours.

Life changes, and your coverage should too. 

Review your policy:

• When you get married or divorced
• When children are born or adopt
• When you buy a home or pay off your mortgage
• Every 3-5 years as a general rule
• When your income significantly changes

We offer free annual reviews to all our clients—it's part of being your long-term insurance partner.

Your coverage follows you anywhere in the United States. While we'll miss having you as a neighbor, we'll continue servicing your policy no matter where life takes you.