Faq

Do I need auto insurance if I don’t drive much?

Yes — even if you drive infrequently, you’re still at risk of accidents or damage. We offer low-mileage discounts to help save you money.
What determines my premium?

Factors include your driving record, vehicle type, location, and chosen coverage limits.
Is full coverage mandatory?

No — but it’s recommended if you want both liability and protection for your own car.
Can I add my teen driver to my policy?

Absolutely — and we even offer discounts for good student drivers!
Is homeowner insurance required by law?

No, but most mortgage lenders require it as a condition of the loan.
Does it cover floods or earthquakes?

Not typically. You can purchase separate flood or earthquake policies as add-ons.
How much coverage do I need?

Enough to rebuild your home at current construction costs and replace your belongings. We can help you calculate the right amount.
What about home-based businesses?

Standard policies offer limited coverage for business property. Ask about adding a rider for full protection.
How much life insurance do I need?

It depends on your income, debts, and future expenses you’d want to cover for your beneficiaries. A general rule is 7–10 times your annual income, but we can help you calculate your exact needs.
Can I convert my term policy to a whole life policy later?

Many term policies offer a conversion option, letting you switch to permanent coverage without a medical exam. Ask us about the details of your policy.
Is life insurance expensive?

Term life is very affordable for most people, especially if you’re young and healthy. Whole life is more expensive but offers lifelong protection and builds cash value.
Do I need life insurance if I already have some through work?

Employer-provided coverage is a good start, but it’s usually not enough — and it may not follow you if you leave your job. Individual coverage gives you more control and peace of mind.
What’s the difference between an individual and a family plan?

An individual plan covers just one person, while a family plan includes coverage for you, your spouse, and your children under one policy.
What types of trading services do you offer?

We offer a variety of trading services, including stock trading, forex trading, commodities, and cryptocurrency. Our platform is designed to accommodate both beginner and advanced traders with a range of tools and features
When can I enroll in a health insurance plan?

Typically during the annual Open Enrollment Period, or at any time if you qualify for a Special Enrollment Period due to certain life events.
Do I need Medicare if I’m still working at 65?

It depends on your employer’s plan and size of the company. We can help you evaluate your options and decide what’s best for your situation.
What’s the difference between Medicare Advantage and Medicare Supplement?

Medicare Advantage replaces Original Medicare and often includes additional benefits, while Medicare Supplement works alongside Original Medicare to help pay for out-of-pocket costs.

Frequently Asked Questions

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