Applying for life insurance online may feel easy, but for those with health concerns, navigating approvals requires more than clicks. A licensed broker provides expertise, advocates on your behalf, and increases your chances of securing the best coverage and rates.

Receiving a rated life insurance policy doesn’t mean you’re out of options. With the right strategy—and the right agent—you can often find better coverage, lower premiums, or improved terms. Don’t settle for the first offer; explore your options and make informed decisions that protect your financial future.

Life insurance isn’t just about a death benefit. Optional riders—like chronic illness, critical illness, and disability income protection—can provide financial support when you need it most. Learn how these riders work and which ones offer the most value.