Questions we
hear every day.

If anyone relies on your income — a spouse, child, aging parent — then yes. Life insurance replaces your income if you die prematurely, ensuring your family's financial stability is not left to chance. The younger and healthier you are when you buy, the less it costs.

A common rule of thumb is 10–12x your annual income, but the right number depends on your debts, number of dependents, income replacement needs, and long-term goals. Our advisors walk you through a needs analysis to find the right number — not the biggest number.

Term insurance covers a specific period (10–30 years) at a fixed premium with no cash value. Permanent insurance (whole life, IUL) lasts your entire lifetime and builds cash value. Most families benefit from a combination of both.

Simplified-issue policies (no medical exam) can be approved in minutes to hours. Fully underwritten policies — which often offer lower rates — typically take 5–15 business days depending on the carrier and any medical records needed.

Rates depend on age, health, coverage amount, and product type. A healthy 30-year-old can get $500,000 in 20-year term coverage for $22–$30/month. The best time to lock in rates is now — premiums increase with age every year you wait.

In most cases, life insurance death benefits are received completely income-tax-free by your beneficiaries. This is one of the most powerful tax advantages available in financial planning.

Absolutely. Many clients carry multiple policies — a term policy for income replacement, a permanent policy for estate planning, and a final expense policy for burial costs. Carriers do ask about existing coverage during underwriting.

We are compensated by the carriers, not by you. Our fee is built into every insurance premium regardless of who sells the policy. This means our advice costs you nothing extra — but working with us gives you access to 50+ carriers and unbiased recommendations.

Yes. Every Stalex advisor holds a state life insurance license and is required to complete ongoing continuing education. We are licensed in all 50 states.

Your relationship with your advisor does not end at the sale. We schedule annual policy reviews, notify you of any changes at the carrier, and are always available when your life circumstances change — new baby, new home, promotion, divorce, or retirement.

Yes. Most policies have a free-look period of 10–30 days after purchase. After that, term policies can be cancelled at any time (premiums stop). Permanent policies have more complex considerations — your advisor will walk you through all options.