Frequently Asked Insurance Questions
Straight answers about health coverage, term life insurance, and annuities — from licensed advisors who do this every day.
How much does it cost to work with Family First Choice Insurance?
Nothing. As an independent agency we're paid by the carrier you choose, so our quotes, plan comparisons, and enrollment help are free to you.
What does an independent insurance agency do differently?
We aren't tied to one company. We compare plans from many top-rated carriers and recommend the one that fits your health needs, budget, and goals.
When can I enroll in a health insurance plan?
Open Enrollment typically runs from November 1 to January 15. Outside that window, a qualifying life event such as marriage, birth, or loss of coverage opens a Special Enrollment Period.
How much life insurance do I need?
A common guideline is 10 to 15 times your annual income, plus debts and future education costs, minus savings and any employer coverage you already have.
Do I need a medical exam for life insurance?
Not always. Many carriers offer simplified or accelerated underwriting that approves healthy applicants with no exam, often within days.
Are annuities safe?
Fixed and fixed indexed annuities protect your principal from market losses and are backed by the claims-paying ability of the issuing carrier. We only place business with financially strong, highly rated companies.
What states do you serve?
We work with families across the United States and can advise you by phone or video wherever you live.
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