Good questions.
Thoughtful next steps.

Before your insurance conversation

Think about the people who depend on your income, the obligations you would want addressed, and the coverage you already have. Bring your questions and a sense of your comfortable budget.

• Who would need support if your income stopped?
• What existing policies or workplace benefits do you have?
• Which expenses would you want your family to be able to manage?
• What would you like a licensed professional to explain?

Questions worth asking

• What does this policy cover, and what does it exclude?
• Can the premiums or benefits change?
• What are the underwriting requirements?
• Are there waiting periods, fees, or surrender charges?
• What happens if I miss a payment or my needs change?

Take time to read the policy documents. A quote or conversation does not bind coverage.

Your licensing starting point

State requirements vary. Check your state insurance department’s current requirements before purchasing a course or scheduling an exam.