Question 1

How much life insurance do I actually need?

Accepted Answer

A good rule of thumb is 10–15× your annual income, plus mortgage and future education costs. Your Proper advisor builds a number around your real life — not a calculator guess.

Question 2

How fast can I get covered?

Accepted Answer

No-medical-exam plans can issue same-day. Fully underwritten policies typically take 2–4 weeks, depending on the carrier and your health profile.

Question 3

Is the consultation really free?

Accepted Answer

Yes. Advisors are paid by the carrier when you bind a policy — never by you. There is no fee for the conversation, the strategy, or the quotes.

Question 4

Term vs. whole life — which is right for me?

Accepted Answer

Term is cost-efficient protection for a defined chapter (mortgage, kids at home). Whole life is permanent coverage that also builds cash value. Many families layer both.

Question 5

What are living benefits?

Accepted Answer

Living benefits let you access a portion of your death benefit while still alive in case of critical, chronic, or terminal illness — included on most of our plans.

Question 6

Can I get coverage with a pre-existing condition?

Accepted Answer

Almost always, yes. Guaranteed-issue and simplified-issue plans exist for nearly every situation — we'll match you with a carrier who underwrites favorably for your case.

Question 7

What affects my monthly premium?

Accepted Answer

Age, health, tobacco use, coverage amount, term length, and the type of policy. Locking in younger and healthier means lower premiums for life.

Question 8

How are claims paid?

Accepted Answer

Beneficiaries file a simple claim with the carrier. Most legitimate claims are paid within 30 days — tax-free — directly to the beneficiary you named.

Question 9

Can I change my policy later?

Accepted Answer

Yes. Most policies allow you to convert, increase, or add riders as life evolves. Your Proper advisor reviews your coverage at every major milestone.

Clear answers, no fine print