LIFE INSURANCE FAQ

Why do I need life insurance?

Because life happens — and sometimes, it happens fast.
Life insurance gives your family financial breathing room if something unexpected happens. It can cover everyday expenses, mortgage/rent, debts, childcare, education, final costs, and everything in between—so they don’t have to panic while they’re already hurting.

How much life insurance coverage do I need?

There’s no one-size-fits-all formula.
The “10–12x income rule” is a starting point, but we look at your reality — your income, debt, kids, lifestyle, and long-term goals — to build a plan that actually fits your family and your budget.

What types of life insurance do you offer?

We help with all major categories, including:

• Term Life Insurance

• Whole Life Insurance

• Final Expense

• Smart Start (for kids)

• Critical Illness coverage

• Indexed Universal Life (IUL)

• Debt-Free Life strategies (using cash value to help pay off debt faster)

There’s something for every stage of life — from “just starting out” to “building wealth.”

What states are you licensed in?

Between the two of us, we’re licensed in OR, NM, TX, FL, GA, and more.
Most states allow “Just-In-Time” appointments, meaning we can help get you covered almost anywhere in the US.

Do I need a medical exam?

Not always! Lots of policies offer:

• Simplified underwriting

• No medical exam options

• Quick approvals

For large coverage amounts, a quick check-up may be required — but we’ll walk you through every step.

How much does life insurance cost?

It depends on age, health, coverage amount, and policy type.
The good news? Rates today are way more affordable than people think.
We shop multiple highly rated carriers to find the best fit for your goals — not just the cheapest price.

What are “living benefits”?

Living benefits let you use part of your life insurance while you’re still alive if you’re diagnosed with a qualifying illness.
They can help with:

• Treatment costs

• Household bills

• Replacing income

• Caregiving

• Recovery time

They’re one of the most powerful (and often overlooked) tools in modern life insurance.

Can I change or increase my coverage later?

Yes! Most policies are flexible.
Life changes — marriages, kids, home purchases — and we help you update your coverage annually so it grows with you.

How do I get started?

Easy — schedule a free consultation.
No pressure. No sales vibes. Just straight talk and a plan that fits your family.

HEALTH INSURANCE (ACA) FAQ

What is ACA/Marketplace health insurance?

The Affordable Care Act (ACA) Marketplace offers health insurance plans, often with tax credits that reduce your monthly cost. And yes — many families qualify for really affordable plans.

Do you charge to help people enroll?

Nope!
ACA enrollment help is completely free. Josh is licensed and certified to help you apply, compare plans, and find the best match.

What documents do I need to enroll?

Usually just:

• ID

• Income estimate

• Household info

• Immigration status documents (if applicable)

Do I have to wait for Open Enrollment?

Not always.
You may qualify for a Special Enrollment Period if you had a major life change like:

• Moving

• Having a baby

• Marriage/divorce

• Loss of coverage

• Change in income

How do subsidies work?

Subsidies (premium tax credits) lower your monthly premiums.
They’re based on your income + family size — we’ll calculate it for you.

Can I change my plan mid-year?

Yes, if you have a qualifying life event or income change.

How do I get started?

Book an enrollment call — it’s quick, easy, and free.

MEDICARE FAQ

1. What happens when I turn 65?

Most people become eligible for Medicare at age 65. Whether you need to enroll right away depends on your work status, current insurance, and whether you receive Social Security benefits.

2. Do I get Medicare automatically?

Some people do.
If you already receive Social Security or Railroad Retirement benefits, you’re usually enrolled automatically in Part A and Part B.
If not, you will need to enroll through Social Security.

3. How do I enroll in Medicare?

You can enroll:

• Online through Social Security

• By phone

• By visiting your local SSA office

We can discuss general enrollment steps during your appointment.

4. Do I need Medicare if I’m still working?

It depends on the size of your employer and the type of coverage you have.
We can review your situation and talk through the questions you should ask your HR department.

5. What’s the difference between Part A and Part B?

• Part A generally covers hospital-related services.

• Part B generally covers doctor visits, outpatient care, and medical services.

This is a general explanation — we can discuss details during your review.

6. What’s the difference between Medicare Advantage and Medicare Supplement?

These are two different ways to get additional Medicare coverage.
During your appointment, we can talk through how they work and what questions you may want to consider when comparing them.

7. Do I need a prescription drug plan (Part D)?

Most people need some form of prescription drug coverage to avoid late penalties.
We can review your medications and discuss how Part D works.

8. What if I’m losing employer coverage?

You may qualify for a Special Enrollment Period.
We can help you understand timelines and steps to avoid coverage gaps.

9. Can I keep my doctor?

This depends on the type of Medicare coverage and the specific plan you choose.
We can review your providers and discuss how to check network participation.

10. What if I travel or spend part of the year in another state?

Travel needs can affect how you compare Medicare options.
We’ll go over how different types of Medicare coverage work when you’re outside your home area.

11. Does Medicare cover dental, vision, or hearing?

Original Medicare has limited coverage for these services.
We can discuss options during your review and look at what additional coverage may be available in your area.

12. What if I’m disabled and under 65?

Many individuals receiving disability benefits qualify for Medicare before age 65.
Coverage rules can vary — we can help you understand the basics.

13. Can I change my Medicare coverage?

There are certain enrollment periods each year when changes are allowed.
We can talk through which periods may apply to your situation.

14. What information should I bring to my appointment?

• Prescription list

• Preferred doctors or clinics

• Medicare ID (if available)

• Current insurance cards

• Questions you want answered

• Your retirement timeline

15. What does a Medicare review include?

Your review generally includes:

• An overview of your Medicare eligibility

• A comparison of coverage options

• Help understanding how Medicare parts work

• A look at prescriptions and providers

This review is informational and helps you understand your choices.

16. Does this appointment cost anything?

No.
Licensed insurance agents are compensated by the insurance carriers.

17. Are you required to offer every plan?

Required Medicare Disclaimer:
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

18. Can you tell me which plan is “best”?

No. CMS does not allow agents to recommend a “best” or “right” plan.
We can compare your options and help you understand how each one works so you can make the choice that fits your needs.

19. Can you help me switch plans?

If you are eligible for an applicable enrollment period, we can review your available options and assist with the process.

20. What if I’m confused or overwhelmed?

That’s completely normal.
Medicare has several parts, timelines, and choices.
Our goal is to help you understand the information clearly so you can make confident decisions about your healthcare coverage.

DEBT COACHING F.A.Q.

What is debt coaching?

Debt coaching is education, planning, and organization — not debt settlement, not credit repair, and not financial advising.
I help you understand your numbers, get organized, build a plan, and take your financial power back.

Is debt coaching the same as credit counseling?

No.
Credit counseling companies negotiate debt.
I don’t negotiate anything.
I help you get clarity, set priorities, and build systems.

Who is debt coaching for?

People who feel:

• Overwhelmed

• Stuck

• Disorganized

• Unsure where to start

• Tired of feeling behind

• Ready to get out of survival mode

Do you judge people for their debt?

Absolutely not.
I’ve been where you are — bankruptcy, single mom, working multiple jobs.
This is a safe, shame-free space.

What does a coaching session look like?

You’ll get:

• A full look at your financial picture

• A customized action plan

• Organization tools & spreadsheets

• Step-by-step guidance

• Accountability (if you want it)

How long does it take to get results?

Everyone is different, but most people feel relief immediately after getting clarity.
Financial calm is almost always the first “win.”

Is this financial or legal advice?

No.
This is education and support, not regulated advice.

Do you offer monthly coaching?

Yes — you can do one session or ongoing support.
We customize it to your situation.

How do I get started?

Book a consultation and complete the intake form.
We’ll build your starting plan from there.