FAQ

Absolutely. We work with all the major carriers and specialize in finding policies that balance protection with affordability. Clients have said, “It was easier than I thought and it fit my budget.”

You can reach Gifford Bowne at 732-239-4941, email Gifford@LivingInsuranceSoultions.com, book a Calendly appointment or fill out the contact form on the website. We are here to help you navigate life’s unexpected turns.

We begin with a simple, personalized needs analysis. This helps identify your priorities and match them with the right type of coverage, such as term, whole, IUL, UL, or All cash back life insurance.

Not at all. We guide you through each step, from the online application that may not require a phone interview or medical exam and medical exam. Most clients find it easier than expected, and we are here to answer every question.

Living benefits allow you to access parts of your policy while you are still alive. They can help with chronic, terminal, critical illness, and disability. We will help you explore these options.

We will walk you through the reasons and explore alternatives. Many clients find better options after a second look or a small adjustment to their application.

A licensed professional can come to your home or office, no cost to you. It is a brief check-up that helps insurers assess your health. We will explain what to expect and help you prepare.

We use a proprietary needs analysis that simplifies complex decisions. It helps uncover the right coverage for your situation, whether you’re protecting income, planning for college, or securing retirement.

Our services include income replacement, mortgage protection, college funding strategies, final expense planning, retirement alternatives, buy and sell agreements, disability coverage, and long-term care.

Buying a term life or a combination of term and permanent insurance may help you pay a lower premium. Buying a policy early in life is also a good way to ensure a lower premium.