Question 1

How do I get started?

Accepted Answer

Request a quote online, schedule a call, or simply call (877) 833-1907. Michael will ask a few questions about what you want your coverage to accomplish and go from there.

Question 2

Does it cost anything to talk with an agent?

Accepted Answer

No. There is no fee to request a quote, ask questions, or speak with Michael. Agents are compensated by the insurance company if you choose to purchase a policy.

Question 3

Am I obligated to buy anything after requesting a quote?

Accepted Answer

Absolutely not. A quote is simply information. You decide what, if anything, you want to do with it.

Question 4

Can an adult child help a parent with this process?

Accepted Answer

Yes. Family members often help gather information and join conversations. The person applying for coverage will need to participate in and sign the application.

Question 5

What is final expense life insurance?

Accepted Answer

It is generally a small whole life policy intended to help beneficiaries pay funeral, burial, cremation, medical, and other end-of-life costs. It provides permanent coverage when premiums are paid and policy requirements are met.

Question 6

How much coverage can I get?

Accepted Answer

Final expense policies are typically smaller than traditional life insurance — often in the range of a few thousand dollars up to around $25,000–$50,000 depending on the carrier. Available amounts vary by company, age, and state.

Question 7

What is the difference between level and graded benefits?

Accepted Answer

A level benefit pays the full amount from day one (subject to policy terms). A graded or modified benefit pays a reduced amount — often a return of premiums plus interest — if death occurs in the first two or three years, then the full amount afterward.

Question 8

What can the benefit be used for?

Accepted Answer

Your beneficiary receives the money and decides how to use it — funeral costs, medical bills, debts, or anything else. It is not restricted to funeral expenses.

Question 9

What happens if I stop paying premiums?

Accepted Answer

The policy can lapse and coverage would end. Some policies build cash value that may provide options, depending on the contract. Ask about this before choosing a policy.

Question 10

What is term life insurance?

Accepted Answer

Term life provides coverage for a selected period — commonly 10, 15, 20, or 30 years. If you pass away during the term, your beneficiary receives the death benefit. If the term ends, coverage ends unless renewed or converted under the policy's terms.

Question 11

Who is term life a good fit for?

Accepted Answer

People who need larger amounts of protection for a defined period — for example, to replace income, cover a mortgage, or provide for children while they grow up.

Question 12

What happens when my term ends?

Accepted Answer

Coverage typically ends, though some policies allow renewal (usually at a much higher premium) or conversion to a permanent policy within a specified window. Review your policy's options before the term expires.

Question 13

Does term life build cash value?

Accepted Answer

Generally no. Term life is pure protection, which is why it usually costs less per dollar of coverage than permanent insurance.

Question 14

Can I get coverage with health problems?

Accepted Answer

Often, yes. Different carriers view conditions differently, and some products ask only a handful of health questions. Michael can help identify which options may be available for your situation. Approval is never guaranteed and depends on the insurer.

Question 15

Will I need a medical exam?

Accepted Answer

Many final expense and some term policies use simplified underwriting with health questions only. Larger term policies are more likely to require an exam. It depends on the product, amount, age, and carrier.

Question 16

Why do truthful answers matter on an application?

Accepted Answer

Applications are legal documents. Incorrect or incomplete answers can give the insurer grounds to deny a claim or rescind the policy, especially during the contestability period (usually the first two years).

Question 17

What is the contestability period?

Accepted Answer

A period — typically two years after a policy starts — during which the insurer can investigate and potentially deny a claim if the application contained material misstatements. Policies also generally include a suicide provision during a similar initial period. Terms vary by policy and state.

Question 18

Can my premium go up?

Accepted Answer

Many final expense whole life policies have level premiums designed to stay the same. Term premiums are typically level during the term but can rise substantially at renewal. Your policy contract controls — read it and ask questions.

Question 19

How can I pay my premiums?

Accepted Answer

Most carriers accept monthly bank drafts, and many offer quarterly, semi-annual, or annual options. Payment methods vary by company.

Question 20

What if I miss a payment?

Accepted Answer

Policies usually include a grace period (often 30–31 days). If premiums remain unpaid past the grace period, the policy can lapse. Contact your carrier or agent promptly if you expect difficulty making a payment.

Question 21

Who can I name as my beneficiary?

Accepted Answer

Typically a spouse, child, other family member, trust, or anyone with an insurable interest. You can usually name more than one beneficiary and change them later.

Question 22

How does my family file a claim?

Accepted Answer

The beneficiary contacts the insurance company, submits a claim form and a certified death certificate. Michael and 1907 Insurance Group can help your family understand where to start.

Question 23

How long do claims take?

Accepted Answer

It varies by carrier and circumstances. Claims during the contestability period or with incomplete documentation may take longer. The insurer handling the policy controls the timeline.

Question 24

Is 1907 Insurance Group an insurance company?

Accepted Answer

No. 1907 Insurance Group is an independent insurance agency. Policies are issued by the insurance companies Michael is appointed with, and each policy's terms come from that carrier.

Question 25

Which states are you licensed in?

Accepted Answer

1907 Insurance Group serves clients in 19 states. Contact Michael to confirm availability in your state — carrier and product availability varies by state.

Question 26

Will my information be kept private?

Accepted Answer

Yes. Information you submit is used only to help with your insurance request. See the Privacy Policy for details, including how to request deletion of your information.

Question 27

What if I already have life insurance?

Accepted Answer

That's fine. Michael can review what you have, explain how it works, and help you decide whether additional or different coverage makes sense. Never cancel an existing policy before new coverage is approved and in force.

Straight Answers, Without the Fine-Print Voice

Getting Started

Final Expense

Term Life

Health & Underwriting

Premiums & Payments

Beneficiaries & Claims

Working With 1907 Insurance Group

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