FAQ
Asking questions is part of the decision.
You do not need to arrive with a policy in mind. Start with the question that matters most to you.
Michael Linares · Linares Life
Clear answers, without pressure.
I am only looking for information. Do I have to apply for a policy?
No. You can begin by understanding the options and asking questions. A consultation does not require you to apply for a policy.
I already have life insurance. Is a review still useful?
It may help to understand what you have, what it covers, and whether it still matches your current responsibilities. The conversation can begin there without assuming you need to replace anything.
How much does life insurance cost?
The cost is not the same for every person or policy. To review a specific option, we first need to understand the coverage you are considering and the information an insurer requires.
Can my spouse or partner join the conversation?
Yes. You can include your partner in the conversation or review the information together before making a decision.
Do I have to decide during the consultation?
No. The purpose of the consultation is to help you understand the options and answer questions. You can take time to review the information before deciding what to do next.
What is the difference between Term Life and IUL?
They are life insurance policies with different structures. A useful comparison considers what you want to protect, how long you need coverage, policy costs, guarantees, and the values that may change.
What are Living Benefits?
The term is used for certain features that may be available with some policies. How they work, their eligibility requirements, limits, and availability depend on the contract and insurer.
What information do I need to get started?
For an initial conversation, it is enough to know what you want to protect, what coverage you already have, and what questions you want answered. The public form does not request sensitive medical or financial information.