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Frequently Asked Questions

Common Questions Answered for your convenience.

What is the best way to receive an insurance quote?

Give us a call at 860-288-8822. Someone is always available to take your call. If for some chance we are unavailable. Leave a message and we will return your call promptly. We've provided free instant quote tools on our website, however your situation may need 1 on 1 attention to ensure the correct coverage and rate.

Should I shop around for Life Insurance?

That is not necessary.  Insurance has fixed rates by Law, which means this doesn’t work like remodeling your kitchen, where you can go here and there for different quotes.  We gather all your information the same way any other agent would to get your rates.  Our loyalty doesn’t lie with any of these insurance companies.  Our loyalty lies with you, the client. This means we don’t care which company you go with.   That doesn’t matter to us.  What does matter is that we get you approved based on your age and health, within your budget.

Will Life Insurance rates decrease if I wait?

Life Insurance is always the least expensive the younger and healthier you are. That is why we urge our clients to apply for coverage today. Age and medical conditions will affect premiums. There are programs that favor certain medical conditions. Always speak to an advisor to apply for the best policy for meet your needs and situation.

Can life insurance cover my mortgage and debts?

Yes, we take into consideration all of your debt, including your remaining mortgage when calculating the right amount of coverage for you to protect your family when you pass. The life insurance policy can be used to pay off your mortgage when your beneficiary receives the funds. This is usually done with a term policy. You have the term policy for the life of the debts and mortgage.

when do i need business insurance as a small business?

Almost every small business needs general liability insurance. This liability policy provides protection against common customer or client accidents, including bodily injuries, property damage, and personal injuries. We can help you determine the right amount of coverage for your specific business needs.

Do you offer no exam life insurance?

Yes, most individuals do not need to have blood work done to get approved for life insurance coverage. We can place life insurance policies quick and easy. Most people shy away from life insurance because they are either afraid of price or exams, but we offer low prices and quick and easy approvals. We are located in Canton CT, which is very close to Torrington Connecticut, however everything can be done online and over the phone or zoom meeting. Whichever is best for you!