Frequently asked questions

 

  • What’s the difference between term and whole life insurance?
    Term life provides coverage for a specific period (e.g., 20 years), while whole life offers lifelong protection with a cash value that grows over time.

  • Do I need a medical exam to get life insurance?
    It depends on the policy. Some plans require a medical exam, while others offer simplified or no-exam options based on age and coverage amount.


 

  • What is an IUL insurance policy?
    An Indexed Universal Life (IUL) policy is a type of permanent life insurance that includes a death benefit and a cash value component, which grows based on the performance of a market index, like the S&P 500.

  • Can I lose money with an IUL?
    No. While the cash value growth is tied to a market index, IULs typically have a guaranteed minimum interest rate, meaning you’re protected from market losses—even if the index performs poorly.

  • How flexible is an IUL policy?
    Very flexible. You can adjust your premium payments and death benefit (within limits), and even access the cash value through loans or withdrawals, often tax-free if done properly.

  • Who is a good fit for an IUL policy?
    IULs are great for individuals who want lifelong coverage, tax-deferred cash value growth, and the potential for higher returns than traditional whole life—without direct market risk.

 

  • What do I need to bring to a notary appointment?
    You’ll need a valid photo ID and the document(s) you need notarized. All signers must be present and willing.

  •  Do you offer same-day or after-hours appointments?
    Absolutely. We understand that life happens—we offer flexible scheduling, including evenings and weekends when available.

 

  • What is a loan signing agent and when do I need one?
    A loan signing agent is a notary specially trained to handle real estate and loan documents. You’ll need one when closing on a home loan, refinance, or reverse mortgage.

  • How long does a loan signing appointment take?
    Most appointments take about 30 to 60 minutes, depending on the number of documents and questions you may have.


 

  • What’s the difference between a notary and an attorney?
    Notaries verify identity and witness signatures, but they cannot provide legal advice. Always consult an attorney for legal guidance.
  • Is your service confidential?
    Yes. All of our notarial services are conducted with the utmost professionalism and privacy.
  • Can you notarize documents in a hospital, nursing home, or jail?
    Yes. We offer mobile notary services to medical facilities and detention centers, with sensitivity to special circumstances.