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Take the first step towards securing your family's financial future by scheduling a personalized life insurance consultation with our experts.

A licensed financial advisor will contact you to set up an appointment to discuss your options, answer your questions, and provide uyou with a quote. If we are able to meet your needs, we can even submit an application for you over the phone. No medical exams ore doctor visits are required and for 90% of our applicants we have an approval in about 2 minutes

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Frequently Asked Questions

Common Questions Answered for your convenience.

What carriers do you work with?

I am a broker so that means I am not bound to one carrier.

I work with a number of A or A+rated national insurance carriers

such as Mutual of Omaha, Foresters, AIG, and Americo.this allows me to shop on your behalf to find the best coverage for you at the best price.

What is the best age to purchase life insurance?

Life insurance will never be more affordsble for you than it is right now. Purchasing life insurance early typically sets you up for your best rates. The cost of purchasing life insurance can increase by 8% to 12%, on average, for each year you delay. However, the moment you sign your policy, your rate is locked in and won’t change during the policy’s term.

How much does life insurance cost?

Most people overestimate the cost of life insurance by 300% or more. The cost varies based on your unique situation. The biggest factors that can affect your premium include your coverage amount, term length, age, health status, and tobacco use. The sooner you buy, the sooner you’ll lock in your lowest premium—and save the most money in the long run.

How much life insurance do I need?

A common and easy way to come up with a coverage estimate is to multiply your annual income by 10. Another way is to calculate your long-term financial obligations and then subtract your assets. The remainder is the gap that life insurance needs to fill..

What does life insurance cover?

Your life insurance can help cover some of life's biggest expenses if you pass away while the policy is in force. For instance, policy proceeds are often used for mortgage payments, debts, tuition, and everyday expenses. Ultimately, it's up to your beneficiaries to decide how to use the payout. Proceeds are paid in a lump sum and are generally tax-free..

What if I already have life insurance through my employer?

Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary, which is a fraction of what most families need. And if you leave your job, that coverage usually ends. A common rule of thumb is to have 10X your salary in life insurance protection, which is why many people buy individual term policies to supplement their coverage through work.

Why do I need life insurance?

If something happens to you, your loved ones don’t just

lose you—they also lose your income, on top of everything

else you provide. If you provide financial or caregiving

support to someone, it’s essential to make sure they

would be taken care of if they lost you.

What kind of life insurance do I need?

That just depends on your personal circumstances. There is a description on the home page of the different types of policies we offer at Diamond Insurance Group. Book an appointment to have one of our licensed agents call to discuss options.