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Frequently Asked Questions
Common Questions Answered for your convenience.
Do I really need life insurance?
If someone depends on you financially, life insurance is a must. At Vision LSMW, we help families protect their futures—whether it’s paying off a mortgage, covering final expenses, or leaving behind a tax-free legacy.
Can I get coverage without a medical exam?
It depends . Many of our final expense and simplified issue policies don’t require a medical exam depending on your answers to the medical questions. Even for larger policies like IULs or term life, we often have no-exam or quick-issue options available through our carriers.
What happens if I outlive my term policy?
If your term ends, you have choices. Some of our term policies offer conversion options into permanent plans like an IUL—so you can continue your protection and grow wealth tax-free. At Vision LSMW, we make sure your coverage keeps up with your life.
Is life insurance expensive?
Life insurance can be surprisingly affordable—especially if you start young. We offer flexible options at Vision LSMW, including low-cost term and final expense plans, as well as IULs that let you build value over time.
What’s the difference between term and permanent life insurance?
Term insurance provides coverage for a set period and is great for things like mortgage protection. Permanent policies, like Indexed Universal Life (IUL), last your whole life and build cash value that you can access while you’re alive. At Vision LSMW, we help you choose the right fit for your goals.
How much coverage do I need?
It depends on your income, debts, future plans, and family needs. For example, final expense policies usually cover $10K–$30K for funeral costs, while IULs can be customized for larger coverage and wealth-building. We’ll walk you through the numbers at Vision LSMW.
