We quote life insurance — not health plans
Ego Investments 1 LLC is a life insurance company that finds rates for people who need coverage. We do not sell health plans, dental, vision or anything that pays a doctor's bill. If you landed here looking for a medical plan, we'd rather tell you straight than waste your afternoon.
What we do handle is the question that brings most people to this page anyway: can I still get life insurance with a health condition on my record? Usually, yes. Diabetes, high blood pressure, a heart procedure, cancer that's been in remission for years, anxiety or depression with a prescription attached — none of those close the door by themselves. They change which carriers make sense and what the monthly number looks like. Caroline Okoye's job is to know the difference before you fill out a single application.
What we ask before we quote a rate
A real quote takes a short, honest conversation. Nobody is trying to catch you out. Every question below exists because it moves the price up or down, and guessing at the answers only produces a number that falls apart later at underwriting.
- Your age, height and weight, and whether you use tobacco or nicotine in any form
- Any diagnosis you've received, when it happened, and whether it's controlled today
- Medications you take now and anything you stopped taking in the last couple of years
- Recent hospital stays, surgeries or procedures, and how recovery went
- Family history — parents or siblings with heart disease or cancer before 60
- Whether you want term coverage for a set number of years or permanent whole life
- How much your household would actually need if your income disappeared tomorrow
From there we can talk about the shape of the policy. Term life covers a fixed stretch — 10, 20, 30 years — and costs the least per dollar of coverage, which is why it fits new parents and anyone with a mortgage and young kids. Whole life costs more and lasts your whole life, building cash value along the way. Neither one is the right answer for everybody. The right answer depends on what you're protecting and for how long.
Why the 3am call gets answered
The line is open around the clock, seven days a week. That isn't a marketing line — it's because the people who call us are often working second shift, driving nights, or sitting up at the kitchen table after everyone else has gone to bed. That's when someone finally opens the mail, reads the letter from HR, and realizes the policy through work is one times salary and it disappears the day the job does.
Employer coverage is a good start and a bad finish. It rarely follows you out the door, and it almost never stretches far enough to cover a mortgage, childcare and the years of income a family would lose. A personally owned policy stays yours regardless of who signs your paychecks. If you've just had a baby, changed jobs, or been told you're uninsurable by somebody who never looked past a checkbox, that's the conversation to have.
What people say after they get their policy
I'd been turned down once before and assumed that was that. Caroline asked about my condition, told me which carriers look at it differently, and I was approved at a rate I could actually pay.
She explained term versus whole life in plain English and didn't push me toward the bigger premium. We settled on a 20-year term that covers the mortgage and both kids through college.
I called at eleven at night after a night shift and a real person picked up. Walked me through the health questions, sent the application the next morning. Working with a licensed agent made the whole thing simple.
If you have a health history and a family depending on your income, get the real number before you assume the worst. Call Caroline Okoye at (708) 717-7518 — any hour, any day — and find out what you actually qualify for.