Does my job affect my life insurance rate?It can. Some carriers add cost or limit options for jobs they view as higher risk, while others price the same work fairly. Your rate depends on your health and the carrier, and that is what a review finds. As an independent broker I place your application where your occupation is treated well.
Can blue-collar or hazardous workers get affordable coverage?Often yes. Drivers, construction workers, landscapers, and other hands-on workers can find affordable coverage when the application goes to a carrier that understands the job. There are no guaranteed rates, but shopping the right carriers usually opens up better options than one company can offer.
Do I need a medical exam?Not always. Many people qualify for no-exam options, while others get a better rate with a quick exam. The right path depends on your age, health, and the amount of coverage, and a short review helps decide which fits.
I am self-employed or own a small business. Can I still get covered?Yes. Restaurant owners, contractors, realtors, and other self-employed people can get personal coverage and can also use life insurance to protect a business, a partner, or a loan. We start with what your family needs and build from there.
Why work with an independent broker instead of one company?A single company can only offer its own products and its own view of your job. As an independent broker I shop multiple carriers and place your application where your occupation and health are priced fairly, so you are not stuck with one company's opinion.
What states do you serve?Joseph McDermott is a licensed life insurance agent serving families in 27 states, NPN 22121673, brokered through Family First Life. Coverage and pricing vary by carrier and state, and a quick review confirms what is available for you.