Everything You Need to Know to Protect Your Family

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FAQ

In-Depth Responses to Your Questions

How much life insurance do I actually need?

A good rule of thumb is 10 to 15 times your annual income. However, we also look at your specific debts, like your mortgage, and future expenses, like college tuition, to find a number that truly protects your family’s lifestyle.

Is life insurance expensive?

For most healthy adults, a Term Life policy can cost less than a monthly streaming subscription. Because we shop 50+ carriers, we are almost always able to find a plan that fits comfortably within your monthly budget.

Do I have to take a medical exam?

Not necessarily. Many of our partners now offer "No-Medical Exam" or "Accelerated Underwriting" policies that use digital health data to approve you in minutes rather than weeks.

What if I have a pre-existing health condition?

That is exactly why you use a broker. Some companies are stricter than others regarding certain health issues. We know which carriers are the most "friendly" toward specific conditions (like high blood pressure or diabetes) and will shop accordingly to find you the best rate.

Why should I use EPIC Life instead of buying directly from a big brand?

Big brands only sell their own products. If their price is high, their agent can't offer you a cheaper competitor. As a broker, we have no "brand loyalty"—our only loyalty is to your family. We compare the big brands against each other to ensure you never overpay.

How long does the process take?

Through our digital partners, you can sometimes be covered the same day. For more complex or larger policies, the traditional process can take 2–4 weeks. We provide updates every step of the way.

More Questions? Contact Us Today!
More Questions? Contact Us Today!