Frequently Asked Questions
General Insurance Question
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.
Policy Questions
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.
Working with Real Needs Secured LLC
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.”
Don’t wait until it’s too late to secure the coverage that protects the ones who matter most.
Ask About Free Look PerioD
100% Money-Back Guarantee
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.
Eliminate Debt = Save For The Future
Engaging with life insurance is a smart move to eliminate debt and save for the future. By choosing a policy like Whole Life or Indexed Universal Life (IUL), you gain valuable protection for your loved ones and accumulate a cash value that can be used to pay off high-interest debts. This financial strategy simplifies your finances and allows you to build savings for future goals. 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
