Life Insurance Services —
Built Around Your Life Stage

No — life insurance is all we do: burial, term, IUL, and children's whole life. Focusing on one thing means we know our carriers and products inside out. If you need coverage we don't offer, I'm happy to point you to a specialist.

Yes — guaranteed acceptance (also called guaranteed issue) accepts everyone ages 50–80 with no health questions, up to $25,000, through carriers like Corebridge and Gerber. Benefits are limited in the first two years: natural-cause death returns premiums plus interest, while accidental death is covered in full from day one. Many people who assume they need guaranteed acceptance actually qualify for simplified-issue coverage with full day-one benefits — we check that first. If you already have any life insurance policy, don’t cancel it until your new one is approved and in force — we’ll review your current coverage first so nothing lapses. Availability varies by state.

No — we're completely independent. We're appointed with 15+ carriers including Mutual of Omaha, AIG/Corebridge, Gerber Life, American Amicable, Liberty Bankers, Protective, Ameritas, Baltimore Life, Combined (Chubb), CICA, and others. We compare live rates from each and bring you the best fit. No carrier pays us to push their product.

Yes. Gilbert is licensed in 30+ states. We serve families across the western U.S. through phone, video, and email. If you're in Oregon, you can also meet in person at the Woodburn office by appointment.

It depends on your life stage. New parents or grandparents → children's whole life. Working families with a mortgage → term life. Higher earners who already max 401(k)/Roth → IUL. Seniors 55+ with no mortgage → burial insurance. Turned down before or a serious health condition → guaranteed acceptance. Still not sure? Call 971-444-6449 and I'll tell you in 5 minutes.

Absolutely — and many families do. A common combo is term life (to cover the mortgage years) plus burial insurance (so your family doesn't get a funeral bill later). Another is children's whole life for the kids plus term for yourself. We build around your situation, not a one-size-fits-all package.

That's exactly what we're here for. Call or text 971-444-6449 and we'll ask a few questions about your age, family situation, and budget. Most people figure it out in one conversation — no obligation, no commitment until you sign.

Yes — a decline from one carrier doesn’t mean every carrier says no. Underwriting varies company to company, so we check simplified-issue options first (a few health questions, no exam) before guaranteed acceptance (no health questions at all, ages 50–80). Most people declined years ago, or for a manageable condition, qualify somewhere. Call or text 971-444-6449 and we’ll tell you which one fits.

No — keep any existing policy active until the new one is approved and in force. Replacing a policy too early can restart waiting periods and leave you with a gap in coverage if something happens in between. We'll review what you already have before you apply for anything new.

Not a waiting period exactly — coverage starts day one. The first two years carry a graded benefit: if death is from natural causes, your family gets back all premiums paid plus interest; accidental death is paid in full from day one. After two years, the full benefit applies no matter the cause.

With guaranteed acceptance, $5,000 to $25,000, ages 50–80, no health questions at all. If you qualify for simplified-issue instead (a few health questions, no exam), coverage goes up to $50,000 — often at a lower price. We check both and show you the higher option first.

Yes — a child, sibling, or spouse can buy a policy on a parent or family member with their consent. Many adult children reach out after a parent was declined elsewhere, and guaranteed acceptance (no health questions, ages 50–80) is built for exactly that. We'll walk you and your parent through it together, by phone.