Is a medical exam required?

In most cases, no! We offer simplified issue policies that only require a brief health and lifestyle questionnaire. Many applicants are instantly approved without the need for a medical exam.

What makes Little Family Security different from other agencies?

We're an independent agency, which means we work for you, not the insurance companies. Our licensed agents are transparent, thorough, and committed to finding the best solution for your family — no pushy sales tactics, ever.

What are living benefits, and do your policies include them?

Yes, many of our life insurance policies include living benefits. This means you may be able to access a portion of your death benefit early if you're diagnosed with a critical, chronic, or terminal illness — providing real financial help when you need it most.

Will my premium ever increase?

No. With most policies we offer, your monthly premium is locked in for life — it will never go up, even as you age or if your health changes.

Does life insurance build cash value?

Yes, some of our final expense and whole life policies build cash value over time. This can be accessed through loans or withdrawals for emergencies, supplementing your retirement, or other financial needs.

Why consider an IUL or annuity instead of a 401(k)?

Indexed Universal Life (IUL) policies and annuities can offer tax-advantaged growth, protection from market losses, and guaranteed income for life. Unlike a 401(k), these products can offer flexible contributions and no penalties for accessing funds before age 59½.

How quickly can I get covered?

Many of our clients receive approval within minutes of completing the application. We work with top-rated carriers to ensure a smooth, fast, and secure process from start to finish.

What if I’m not sure what coverage I need?

That’s completely okay. Most people aren’t insurance experts. Our goal is simply to help you understand your options and find something that fits your needs and budget.

Have more questions? Send us a message.