How much does life insurance cost?

It depends on your age, your health, whether you use tobacco, and how much coverage you want for how long. A healthy 30-year-old buying term coverage often pays far less than people expect. The only way to know your number is to give us a few details and let us quote it.

Can I get covered if I have a health condition?

Usually, yes. Carriers price conditions differently, so one company may rate you steeply while another handles it as routine. Tell Caroline what's in your medical history up front and she'll steer your application toward the carriers most likely to say yes at a fair price.

I already have life insurance at work. Do I need more?

Often. Group policies are typically small and tied to the job, so they end when the job does. A personal policy stays with you regardless. We'll look at what your group coverage pays and size a policy to cover the difference.

What's the difference between term and whole life?

Term covers you for a fixed number of years at a lower cost. Whole life lasts your entire life, costs more, and accumulates cash value. We'll show you both quotes together so the trade-off is visible in real dollars.

Do I have to take a medical exam?

Not always. Some carriers offer policies that skip the exam, though the rate may differ. Which route makes sense depends on your age, health and the coverage amount. We'll go over your options on the call.

When can I reach you?

Any time. The line is open Monday through Sunday, 24 hours a day.

Life Insurance Agency

Blog — page 3

Advice, answers and how-tos about life insurance agency from Ego Invesments 1 LLC.

How to Buy Life Insurance as a New Parent

Life insurance protects your family's income when you have children—here's how to find the right coverage.

October 3, 2026

How to Switch Life Insurance Policies

Switching life insurance policies requires planning ahead to compare new options and ensure you don't have a gap in protection.

October 2, 2026

How to Apply for Term Life Insurance

Term life insurance provides affordable protection for your family—here's how to apply in seven steps.

October 1, 2026

Term insurance versus final expense insurance explained

Term and final expense insurance serve different purposes—one replaces lost income, the other covers funeral costs.

September 30, 2026

Burial Insurance Versus Life Insurance: Which One Do You Need?

Burial insurance and life insurance serve different purposes—one covers funeral costs, the other replaces lost income.

September 29, 2026

Final Expense Insurance Versus Traditional Life Insurance

Final expense insurance covers funeral costs specifically, while traditional life insurance provides broader financial protection for your family's long-term needs.

September 28, 2026

How to Get Life Insurance Without a Medical Exam

No-exam life insurance lets you get coverage without a medical exam by relying on health history and existing medical records instead.

September 18, 2026