FREQUENTLY ASKED QUESTIONS
Questions are part of a good decision.
Start with general answers, then ask about the details that apply to you.
COMMON QUESTIONS
Clear answers before you begin.
How much life insurance might I need?
That depends on income, debts, dependents, existing coverage, future obligations, and budget. A needs-based conversation can establish a reasonable starting point.
Does every policy require a medical exam?
No. Requirements vary by policy and carrier. An application may use health questions, prescription history, records, an exam, or other underwriting information.
Can I have more than one policy?
A person may own multiple policies, subject to underwriting and financial-justification requirements.
Is approval guaranteed?
No. Eligibility, approval, rates, and available coverage depend on carrier underwriting and the information provided.
What happens after I request a quote?
If you email Martinez Capital or book a consultation, Rob will respond to understand your needs and explain possible next steps. A request does not obligate you to buy coverage.
What should I review before accepting a policy?
Review the premium, death benefit, duration, exclusions, riders, guarantees, non-guaranteed values, charges, and carrier-specific terms.
A CLEAR FIRST STEP
Start with what you want to protect.
Tell us about your needs. We’ll help you understand the possible next steps.
Requesting information does not obligate you to purchase coverage.