Empower Your Financial Future and Create a Lasting Legacy for Your Family

Frequently Asked Questions

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Quick answers to help you protect what matters most.

What types of insurance does Real Needs Secured LLC offer?

We offer a wide range of life insurance options, including Term Life, Whole Life, Final Expense, Guaranteed Issue Life Insurance, and Indexed Universal Life (IUL). Our goal is to provide personalized coverage that meets your specific needs.

How do I know which type of life insurance is right for me?

The best life insurance for you depends on several factors such as your age, health, financial goals, and family needs. Term Life Insurance is ideal for those seeking temporary coverage, while Whole Life and IUL policies provide lifetime coverage with additional benefits like cash value accumulation. We can help guide you through the decision-making process to ensure you get the coverage that’s right for you.

Can I borrow money from my life insurance policy?

Yes, with Whole Life and Indexed Universal Life (IUL) policies, you can build cash value that you can borrow against. This can be a valuable financial tool for emergencies or planned expenses.

What is Final Expense Insurance?

Yes, with Whole Life and Indexed Universal Life (IUL) policies, you can build cash value that you can borrow against. This can be a valuable financial tool for emergencies or planned expenses.

What are annuities, and how do they work?

Annuities are insurance products that provide a guaranteed income stream, typically for retirement. You make an investment, and in return, the insurance company provides you with periodic payments over time. Annuities can be a great way to ensure you have steady income later in life.

How do I file a death claim?

To file a death claim, please contact us at Real Needs Secured LLC, and we will guide you through the process. We work with over 20 different companies, and each claim may have its own timeline and requirements. Typically, you will need the death certificate and policy information.

How long does it take for a death claim to be processed?

Each case is unique, but death claims generally take a few weeks to be processed. We'll assist you every step of the way to ensure everything moves smoothly and efficiently.

Can I change my beneficiaries after purchasing a policy?

Yes, you can update your beneficiaries at any time. It’s important to keep your beneficiary information up to date, especially after major life events like marriage, divorce, or the birth of a child.

Why should I choose Real Needs Secured LLC over other agencies?

With nearly 30 years of combined experience, we have the expertise to match you with the right insurance product tailored to your needs. Our extensive network of over 20 companies allows us to offer competitive rates and a wide variety of coverage options.

How can I get a quote or apply for coverage?

You can easily request a free quote by contacting us via phone or through our website. Our team will assess your needs and help you choose the best coverage options for your situation.

You’ve built a life they love — now build the protection they deserve.

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You Can Access Cash Value During Your Lifetime


If you choose a policy like Whole Life or Indexed Universal Life (IUL), it builds cash value over time that you can borrow against or withdraw for major expenses like college tuition, a down payment on a home, or emergencies. This feature provides financial flexibility while keeping your family protected.

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Free Look Period


When you purchase a life insurance policy, you have a Free Look Period, typically lasting 10 to 30 days. During this time, you can review the policy in detail and decide whether it fully meets your needs. If, for any reason, you decide that the policy isn’t right for you within this period, you can cancel it and receive a 100% refund of any premiums paid, with no questions asked.

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Life Insurance Benefits Are Paid Out Tax-Free


When you have a life insurance policy, the death benefit provided to your beneficiaries is typically not subject to federal income tax. This means your loved ones receive the full amount to cover expenses, replace lost income, or secure their financial future without worrying about tax deductions.

Don’t wait until it’s too late to secure the coverage that protects the ones who matter most.

Eliminate Debt = Save For The Future

Life insurance is a powerful financial tool that goes beyond protection—it helps you eliminate debt and save for the future. Whether you choose Final Expense, Whole Life, Term, or Indexed Universal Life (IUL) insurance, you gain valuable benefits tailored to your needs.

Final Expense Insurance provides peace of mind by covering end-of-life costs, relieving your family of financial burdens.

Whole Life Insurance offers lifetime protection with cash value accumulation to help pay off high-interest debts or fund future goals.

Term Life Insurance provides affordable coverage for a specific period, ensuring your loved ones are protected when they need it most.

Indexed Universal Life (IUL) combines lifelong protection with cash value growth tied to market performance, giving you the flexibility to build wealth over time.

Take control of your financial future today by exploring life insurance options that can help you achieve a debt-free life while securing your family's well-being.