About 1st Sign Me Up LLC
Insurance Services 

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As a licensed Insurance broker we have over two dozen carriers to choose from which allows us the ability to help clients in various situations including being denied because of health challenges.
Over 95% of our clients get approved for coverage.

Mortgage protection *
mortgage protection insurance is a way to protect one of the most valuable assets in the event of a death. Most terms are designed to give you a full return of premium if you outlive the policy.

Final Expense/whole life insurance *
Final expense, whole life insurance will cover you for life with final expense insurance prices are a lot and will never increase nor will your benefits decrease these type of policies are designed to make sure a funeral, and other end of life expenses are covered

Index Universal Life *
index universal life insurance policies can help you to build wealth while leaving behind a death benefit for your loved ones these policies put a portion of the policyholders premium payments toward annual renewable term. Life insurance with the remainder added to the cash value of the policy after fees are deducted, on a monthly or annual basis, the cash value is credited with interest based on increases in the equity index 

Term Life Insurance *
term life insurance provides a death benefit that pays the beneficiaries of the policyholder throughout a specify period of time. Once the term expires the policyholder can either renew it for another term possibly convert the policy to permanent coverage or allow the term life insurance policy to lapse.

 

Our mission is to take the hassle, stress and guesswork out of key services we provide from notary, insurance and Legal assistance. We are your resource.

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Frequently Asked Questions
 

How Much Life Insurance Do I Need ?

To determine how much life insurance you need, it’s best to look at your surviving family’s immediate, ongoing, and future financial obligations, and compare that with your financial resources. Below are examples of each type of need:
  • Immediate: funeral costs, medical bills, taxes.
  • Ongoing: mortgage payments, utilities, food.
  • Future: college tuition, retirement funds.
Financial resources can include your partner’s income, savings, income-producing assets, and investments. Considering all these obligations and resources, the difference between the two is how much life insurance you need.
 

What Does It Mean When A Policy is “Fully aid up”

“Fully paid up” means that you have paid enough premiums to cover the cost of the policy for the rest of your life, and the company will use the cash value to pay your premiums until you die.

What is the return of premium feature?

Some term policies have a return of a premium feature that allows for a refund of all or some of the life insurance premiums you paid through the term of the insurance if no death benefit was paid. The premiums for policies with this feature tend to be higher, and you must be careful not to miss any payments throughout the term in order to take advantage of this feature.
 

Am I still eligible for coverage with a serious health condition?

Most plans do require medical testing and charge premiums based on the level of risk they assign to you based on the testing. However, even if you are not in top health or have a serious health condition, there are still some options available with guaranteed life insurance plans, although this comes at the cost of a higher monthly premium and a lower death benefit.
 

How long does it take to get my insurance policy?

That depends on the insurance company and the type of coverage that you applied for. Generally speaking, the underwriting process for a traditional, fully underwritten process can take anywhere from two to eight weeks. A no-exam or final expense policy can be issued from a few minutes after submission to about two weeks. The delivery time is about a week after the policy’s approval.
 

Which is better term life insurance or permanent?

This question has been debated for as long as life insurance been around. For most, term life insurance will be the preferred choice because it offers the most significant benefit amount for the lowest price. Furthermore, since most expenses aren’t permanent (mortgage balance, young children), getting the most amount of coverage in the most crucial period when the family is young is a sensible option.
That said, there are a few cases for a permanent policy which can be best used for estate planning or when you buy a small final expense policy.
 

Do I need life insurance if I have it through my employer?

You probably do. Most group coverages aren’t portable, which means if you lose or quit your job, you also let go of your insurance coverage. Most importantly, group coverage doesn’t offer sufficient protection and typically offers two or three times your yearly income, which by all accounts, isn’t enough. (The recommended amount is 10 times yearly income.) My advice is to get it through your job if it’s free or at a reasonable price and supplement it with life insurance outside your workplace.