Frequently Asked Questions
Read on to learn more about our services, products and expert team. If you don’t find all the answers you were looking for, feel free to contact us to get more information. We’re always happy to help with anything you need.
Do you offer free consultations to new customers?
Here at TBA, we don't believe in "selling". We wont ask for any money. We want to help you uncover your needs then we look at possible next steps. What sets us apart from the others, is that we do not use any gross sales tactics. Hold us to it, if we try and "sell" you, hang up on us! Press Here if you would like to schedule a free consultation!
How do I make sure I’m not over-insured?
We have fine tuned a proven system that takes out all the guess work of "what it takes." Get in touch with one of our agents to make sure you get the exact coverage you need.
Who Needs Life Insurance?
Well, not everyone needs life insurance, but finding out is our TOP priority. We want to figure that out with you. Some questions to ask yourself... Walk yourself through what life would look like without you for your family. What if my family gets put in a tough position? How does that make me feel? Is it a favorable outcome? Is there any way it might be better? What if I don't do anything about it? What would it take to prevent that?
How Do I Get Covered At No Additional Cost?
The only reason you haven't heard about this before... it takes a lot of hard work to become able to write and issue these plans. Even though it is complicated to be able to do these, we have simplified the process for our clients! You will get a personalized professional report that will show you exactly how this looks like for you! Get in touch with one of our Infinite DFL specialists today to request more information!
I Have Insurance Through Work, Why Would I Need This?
Even though insurance coverage that you can get with work can be inexpensive in the short term... You will usually have to pay the price when it matters the most. Coverage with work doesn't stay with you for life, it only stays with you as long as you work for that company. If you do have the option of keeping it, the cost becomes not worth the coverage. Now, you may ask, why not just get this coverage when I retire? We just simply never know what the future holds. If you encounter any medical impairments before you retire, you wont only find it difficult to qualify, you'll now be forced into expensive rates. Take a look at how you can protect your loved ones for life AND build cash value. Do not let your money just burn.
Is Term Or Permanent Life Insurance Better For Me?
We would LOVE to help you figure this out, we are at your service. If you would rather just make the decision on your own... Here are some tips to help you decide. If you want something cost effective that will cover something like a mortgage INCASE you pass away, then term would perfect because when the house is paid off and there is no need for additional coverage. If you want to leave something behind for WHEN you pass away, like for a funeral or inheritance, then Permanent. So in short, If = Term and When = Permanent
How Does A Beneficiary Receive Their Payout After A Loss Of Life?
The insurance agency that issued you the policy will need to be contacted to file for a claim. If you did this on your own, then you will need to make sure you keep the phone number handy. If an agent helped you with your policy, then contact your agent and they will walk you through every step.
How Much Does Life Insurance Cost?
This is dependent on many factors that include (but not limited to) your general health, age, and even the amount of coverage that you want. We do want to remind you that this doesn't necessarily have to cost you any additional money what so ever. If you want quotes, feel free to request one on the "Request Quote" tab above!
What If I Have Diabetes Or Any Other Health Issues?
There is almost nothing we can not do. If you are unsure of how your medical history is going to play out, then reach out to us. We are eager to help in any way we can. There is definitely no need to feel ashamed or discouraged, because we understand that life can be unfair at times. Get in touch with us, we'll have short conversation, and we'll see if anything we have to offer makes sense.
