Frequently asked questions

How can I contact you?

You can reach us via contact page! We are always happy to answer your questions.

Why do I need life insurance?

Life insurance provides financial protection for your loved ones. It can cover funeral costs, pay off debts, and ensure your family’s financial stability.

What is life insurance?

Life insurance is a contract between you and an insurance company. You pay premiums, and in return, the insurer pays a sum to your beneficiaries upon your death.

How are premiums determined?

Premiums are based on factors like age, health, lifestyle, and the amount of coverage. Riskier profiles tend to pay higher premiums.

How much life insurance do I need?

The amount depends on your financial situation, debts, future expenses, and the needs of your beneficiaries. A common rule of thumb is to have coverage worth 10-12 times your annual income.

Can I convert my term life policy to a whole life policy?

Yes, many term policies offer a conversion option, allowing you to switch to whole life insurance without a medical exam.

What’s the difference between term and whole life insurance?

Term life covers you for a set period, usually 10, 20, or 30 years. Whole life provides lifetime coverage and builds cash value over time.

What makes "Ocean views" the best choice for life insurance?

Personalized Service: A more personalized, empathetic approach, truly understanding each client's unique needs and circumstances.

Flexible Policies: More flexible policy options that can be tailored to individual financial situations, rather than one-size-fits-all solutions.

Educational Focus: Emphasizing an educational approach, helping clients understand their options fully, so they can make informed decisions.

Advanced Technology: Leveraging cutting-edge technology for a seamless and efficient customer experience.