FAQ
Questions, answered plainly
Working with us
Do I pay anything for an insurance consultation?
No. There's no fee to talk with us about life insurance or annuities. If you buy a policy, the insurance company pays us a commission; you don't pay us a separate fee.
How quickly will you get back to me?
We reply to every message within one business day.
Send us a message →Which states do you work in?
Our insurance producers are licensed in New Jersey.
What does “a second licensed review” mean?
Before any insurance application is submitted, a second licensed professional on our team reviews the recommendation and the paperwork. No one on our team can approve their own case.
Life insurance & annuities
Which insurance companies do you work with?
We work with a range of established insurance companies. When we make a recommendation, we'll tell you which company issues the policy and why we suggested it.
Do you sell variable annuities or investments?
No. We don't sell variable annuities, registered index-linked annuities or any securities, and we don't give investment advice.
What is a fixed indexed annuity?
An annuity that credits interest based partly on the performance of a market index, with a floor that protects your contract value from index losses. Your money is not invested in the market, and the interest you can earn may be limited by caps, participation rates or spreads.
Life insurance & annuities →What is a surrender period?
Most annuities charge a fee if you withdraw more than a set amount during the first several years. We'll show you the surrender schedule and how much you can access penalty-free before you decide.
Employers & business consulting
Do you handle our health plan or employee health data?
No. We introduce employers to Health Compass, which works with you directly under its own agreement. Please don't send us plan data or employee health information.
How employer introductions work →How are you paid for employer introductions?
When an employer engages Health Compass through our introduction, we receive a share of Health Compass's consulting fees. You aren't charged a separate fee by us.
Does your business consulting cover insurance or investments?
No. Our consulting is about operations, processes and growth. It never includes advice on insurance, securities or investments, and it is never a condition of buying insurance.
Business consulting →Privacy & security
How do you protect my information?
Client records live in a private, access-controlled system. Access is limited by role, sensitive documents are restricted to the people who need them, and document links expire after a few minutes. We never sell your information.
Privacy policy →Does this website use cookies?
No. We count page visits with cookieless analytics that don't identify you, so there's no cookie banner.
