Get Connected With Life Insurance Help

Is LifeTrust Financial an insurance company?
No. LifeTrust Financial LLC is an independent marketing and lead-generation company. We are not an insurance company or agency, and we do not issue policies, set premiums, make underwriting decisions, or approve applications. For claims, payments, or policy status, contact your insurer directly.

What does LifeTrust Financial do?
We use online marketing and advertising to connect people interested in life insurance with independent, licensed insurance professionals. Our role is to make the connection. The professional who receives your call is responsible for discussing insurance products with you and for any insurance transaction that follows.

Which insurance carriers might be discussed, and is LifeTrust affiliated with them?
Depending on where you live and your circumstances, the independent professional who takes your call may discuss products from carriers such as Transamerica, Mutual of Omaha, Americo, Corebridge, TruStage, and others.

LifeTrust Financial is not affiliated with, endorsed by, sponsored by, or contracted with any of these carriers unless expressly stated. Carrier names appear on this site for general information only and do not indicate any affiliation, endorsement, or partnership. Whether any carrier’s products are available to you depends on the professional’s licensing and appointments, your state, product availability, and your eligibility.

Does it cost anything to call?
No. There is no fee to call the number on our site and be connected with a licensed insurance professional.

Does calling mean I have to buy a policy?
No. Calling does not obligate you to purchase anything. The purpose of the call is to let you talk through available options with an independent professional, and you decide whether to move forward.

What happens when I call?
Your call may be routed right away to an independent insurance professional who is licensed in your state. That professional can answer questions, discuss the products available to you, and explain the next steps if you choose to pursue coverage.

Do I automatically qualify for coverage when I call?
No. Calling LifeTrust Financial does not guarantee that you will qualify for or receive coverage. Eligibility and approval are decided by the insurance carrier and the licensed professional handling your inquiry, based on factors like age, health, lifestyle, coverage amount, state, and the specific product.

Does LifeTrust Financial give insurance or financial advice?
No. Information on this website is general and is not financial, legal, tax, or individualized insurance advice. For guidance about your own situation, speak with an appropriately licensed insurance professional.

Questions About an Existing Policy

Can LifeTrust check my policy status, take a payment, or file a claim?
No. LifeTrust Financial is a marketing company and has no access to policy records. For claims, payments, or policy status, contact your insurance company directly using the phone number on your policy documents.

Can LifeTrust change my beneficiary?
No. Beneficiary changes are handled by the insurance company that issued your policy. Contact your insurer directly, or the licensed agent listed on your policy.

Can LifeTrust review my current policy?
No. LifeTrust Financial does not review policies or make recommendations. If you’d like to talk about your coverage, the independent licensed professional you’re connected with can discuss it with you, or you can contact your insurance company or current agent.

I already have a policy. Should I replace it?
LifeTrust Financial can’t advise you on that, but replacing coverage isn’t always the right move. Some general points people often consider before replacing a policy:

A new policy may cost more because of age or health changes.
An existing policy may have surrender charges or cash value that could be lost.
A new policy typically begins a new contestability period, often two years.
An existing policy generally shouldn’t be canceled until a new one has been approved and is in force.
Talk these points over with a licensed professional before making any decision.

Learning About Life Insurance

What types of life insurance are there?
The most common types are term, whole, and universal life. Term coverage lasts for a set period and is often the lowest-cost option. Whole and universal life are permanent coverage designed to last a lifetime as long as required premiums are paid, and they may build cash value. The licensed professional you’re connected with can explain how each works.

How much coverage might I need?
That depends on your circumstances. People often consider what their family would need to cover, such as monthly bills, a mortgage, debts, education, and final expenses. Some use a multiple of annual income as a rough starting point. A licensed professional can help you think through an amount that fits your situation.

Can I get life insurance without a medical exam?
Possibly. Some products use simplified or accelerated underwriting and may not require a traditional exam, and some ask no health questions at all, though these often cost more or include waiting periods. Not every applicant or product qualifies, and carriers may still consider health questions, prescription history, medical records, age, and state.

Can I get coverage if I have health problems?
It may be possible. Insurance companies evaluate health conditions differently, and an independent professional may be able to discuss products from more than one carrier. Approval is never guaranteed, and not all applicants will qualify.

How long does approval take?
It depends on the carrier and the product. Some applications are decided quickly, while others can take several weeks if medical records or an exam are needed.

What typically happens after a policy is issued?
The insurance company sends the policy documents. Many states provide a “free look” period, which varies by state, during which you can review the policy and cancel for a refund. It’s a good idea to keep your documents somewhere safe and make sure your beneficiaries know the policy exists.

What happens if a payment is missed?
Many policies include a grace period for late payments before coverage ends. If a policy lapses, reinstatement may be possible depending on the insurer. If you’ve missed a payment, contact your insurance company right away.

Does this website collect sensitive information?
No. Our website has no forms, account sign-ups, logins, or other features that ask for sensitive information like Social Security numbers, passwords, financial account details, or credit card numbers. The site may use cookies, analytics, advertising technologies, and conversion tracking.

Does LifeTrust Financial sell my information?
No. LifeTrust Financial does not sell personal information collected through this website. Information may be processed by service providers that support functions like hosting, advertising, analytics, call routing, and security. Advertising and technology providers, including Google, may process information under their own privacy policies and settings.

Does this website use cookies and Google Ads?
Yes. We may use cookies, tags, pixels, and Google Ads measurement tools to understand site activity and whether our ads lead to website visits or phone calls. We may also use remarketing, which shows ads to people who previously visited our site. You may be able to limit personalized ads through the ad platform’s settings or your browser and device controls. See our Privacy Policy for details.

Is my information secure?
We use reasonable safeguards to protect the information we maintain against unauthorized access, misuse, or alteration. No website, transmission, or storage system can be guaranteed to be completely secure.

Getting Started

How do I get started?
Call (810) 309-0259 to be connected with an independent, licensed insurance professional who can answer your questions and explain the options available to you.