{"id":27007807,"date":"2026-07-31T12:12:30","date_gmt":"2026-07-31T16:12:30","guid":{"rendered":"https:\/\/cetlindesign.com\/mgilife\/?page_id=27007807"},"modified":"2026-08-07T15:54:03","modified_gmt":"2026-08-07T19:54:03","slug":"faqs","status":"publish","type":"page","link":"https:\/\/cetlindesign.com\/mgilife\/faqs\/","title":{"rendered":"FAQ’s"},"content":{"rendered":"

[et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.27.7″ _module_preset=”default” custom_padding=”||||false|false” bottom_divider_style=”wave2″ bottom_divider_color=”#DBEAF7″ bottom_divider_height=”75px” bottom_divider_height_tablet=”50px” bottom_divider_height_phone=”” bottom_divider_height_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_fullwidth_slider show_pagination=”off” use_bg_overlay=”off” use_text_overlay=”off” arrows_custom_color=”#FFDC74″ _builder_version=”4.27.7″ _module_preset=”default” custom_margin=”||||false|false” custom_padding=”170px||170px||true|false” auto=”on” auto_speed=”6000″ global_colors_info=”{}”][et_pb_slide heading=”FAQ’s” button_link=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjgxNjEifX0=@” use_bg_overlay=”off” _builder_version=”4.27.7″ _dynamic_attributes=”button_link” _module_preset=”default” header_level=”h1″ header_font=”Lato|900|||||||” header_text_align=”center” header_font_size=”55px” header_letter_spacing=”1px” header_line_height=”1.2em” body_font=”Open Sans|500|||||||” body_text_align=”center” body_font_size=”22px” body_line_height=”1.5em” background_enable_color=”off” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(0,35,76,0) 2%|rgba(0,35,76,0.79) 90%” background_color_gradient_overlays_image=”on” background_image=”https:\/\/cetlindesign.com\/mgilife\/wp-content\/uploads\/2026\/07\/HeaderBanner-4.jpg” background_enable_image=”on” custom_button=”on” button_text_size=”20px” button_text_color=”#001B60″ button_bg_color=”#FFDC74″ button_border_width=”0px” button_border_color=”RGBA(255,255,255,0)” button_border_radius=”5px” button_font=”Open Sans|600|||||||” button_use_icon=”on” button_icon=”5||divi||400″ button_icon_color=”#001B60″ button_on_hover=”on” button_alignment=”center” text_orientation=”left” width_last_edited=”off|desktop” global_colors_info=”{}” button_bg_color__hover_enabled=”on|desktop” button_bg_color__hover=”#FFCD39″ button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|desktop” button_text_color__hover=”#001B60″ sticky_transition=”on”][\/et_pb_slide][\/et_pb_fullwidth_slider][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.7″ _module_preset=”default” background_color=”#DBEAF7″ custom_padding=”40px||60px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.7″ _module_preset=”default” custom_padding=”0px||5px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.7″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.7″ header_font=”Lato|900|||||||” header_text_color=”#004a7b” header_font_size=”45px” header_line_height=”1.2em” header_2_font=”Lato|900|||||||” header_2_text_align=”center” header_2_text_color=”#004A7B” header_2_font_size=”35px” header_2_line_height=”1.3em” width=”100%” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|phone” module_alignment=”center” custom_margin=”||-2px||false|false” custom_padding=”3px|||||” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”10%” header_2_text_align_tablet=”center” header_2_text_align_phone=”center” header_2_text_align_last_edited=”off|desktop” module_alignment_tablet=”center” module_alignment_phone=”center” module_alignment_last_edited=”on|desktop” locked=”off” global_colors_info=”{}” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)”]<\/p>\n

Frequently Asked Questions<\/h2>\n

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Answers To Your Most Important Questions<\/h4>\n

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Our goal at The Millay Group, Inc. is to make finding the right life insurance simple and stress-free. We provide an easier way to compare rates, explore coverage options, and find policies that fit your needs and budget. If you don’t find the answer to your question below, please contact us. One of our friendly, knowledgeable team members will be happy to assist you.<\/p>\n

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General FAQ’s<\/h2>\n

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General questions about our services. Click the toggle icon to expand each question.<\/h4>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.7″ _module_preset=”3932c201-29a0-44db-b074-50f6f4bd7b3f” width_last_edited=”off|desktop” module_alignment=”center” custom_margin=”0px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_toggle title=”How much coverage do I need?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″]<\/p>\n

Many life insurance experts suggest buying a policy that is 5 to 20 times your annual income. Several factors must be considered, including how much annual income your family will need and for how long, future financial obligations, including college tuition and mortgage payments, and additional funds needed to pay final expenses. Coverage amounts vary depending on your family\u2019s particular needs and goals. Please review our income replacement calculator.<\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”What type of policy should I buy, term life or universal life?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″]<\/p>\n

Term or universal life policies with term-like premiums are generally designed and priced for some specific period of time. Universal life plans can be priced and designed to last the rest of your life. Price and how long you will need the coverage are considerations that will help you make this decision.<\/div>\n

[\/et_pb_toggle][et_pb_toggle title=”Is a physical examination required?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″]<\/p>\n

Most of the policies we offer require a paramedical exam. This is done at the insurance carrier\u2019s expense and generally consists of a brief medical questionnaire. Height, weight and blood pressure readings as well as blood and urine specimens are also required. Depending on the amount of coverage, an EKG may be necessary. The examination is completed through a company approved by the insurance carriers. Most of the time, it can be done at your home or office.<\/div>\n

[\/et_pb_toggle][et_pb_toggle title=”How is my health class determined?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″]<\/p>\n

Every life insurance company considers many factors such as your medical history, blood pressure, cholesterol, smoking history, motor vehicle report, family history, the results of your paramedical exam and other criteria as determined by an underwriter. These will ultimately determine the rating classification for which you qualify.<\/div>\n

[\/et_pb_toggle][et_pb_toggle title=”How long does the entire process take?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″]<\/p>\n

Based upon our experience, the average time frame, once your completed application and physical exam have been received, is 4-8 weeks. If the underwriter orders your past medical records, it could take longer.<\/div>\n

[\/et_pb_toggle][et_pb_toggle title=”Can my policy ever be cancelled due to my health?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″]<\/p>\n

Once a policy has been in place the insurance company cannot cancel it because of changes in your health. However, the company does have the right to cancel the policy if premium payments are not received on time or if information on the application is found to be inaccurate.<\/div>\n

[\/et_pb_toggle][et_pb_toggle title=”What if I smoke?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″]<\/p>\n

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Cigarette smoking does result in higher premiums. Most companies require at least one or two years of no tobacco or nicotine use to qualify for nonsmoker rates. We do work with companies that allow nonsmoker rates for those who use other forms of tobacco or nicotine products such as cigars, pipes, chewing tobacco and stop-smoking aids, as long no cigarettes have been used in the previous twelve months.<\/div>\n<\/div>\n

[\/et_pb_toggle][et_pb_toggle title=”When does my life insurance coverage begin?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″]<\/p>\n

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Your coverage begins once the the policy has been approved by the underwriter and the insurance company has received your first payment and all outstanding signatures\/requirements.<\/span><\/div>\n<\/div>\n<\/div>\n

[\/et_pb_toggle][et_pb_toggle title=”If I am replacing an existing coverage, when can I cancel my current policy?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″]<\/p>\n

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Do not cancel any existing policies until you have received confirmation from the insurance carrier\u00a0that your first payment and all other requirements have been received and your new policy is in place.<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_toggle][et_pb_toggle title=”How do I know the company I have selected is a good company?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″]<\/p>\n

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All insurance companies are rated by A.M. Best, one of several independent financial rating services. They have sixteen different rating categories. The insurance companies are evaluated on their overall financial strength and liquidity and are given a grade of A++ to S. The Millay Group, Inc. requires that the companies we represent have a financial rating of A- or better.<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_toggle][et_pb_toggle title=”Where do I begin?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″ body_link_text_color__hover_enabled=”on|hover” body_link_text_color__hover=”#004A7B”]<\/p>\n

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Call one of our licensed agents toll free at 1-800-580-4393<\/strong><\/a>. We will discuss your needs and ask you a few questions to help us give you an accurate quote. We will explain the process and if you wish to apply we will send you all the necessary paperwork to get started.<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.7″ _module_preset=”default” background_enable_color=”off” use_background_color_gradient=”on” background_color_gradient_direction=”90deg” background_color_gradient_stops=”#004a7b 1%|#2d8ed4 100%” background_enable_pattern_style=”on” background_pattern_style=”diagonal-stripes-2″ background_pattern_color=”rgba(0,113,193,0.28)” custom_padding=”60px||60px|||” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.27.7″ _module_preset=”3932c201-29a0-44db-b074-50f6f4bd7b3f” module_alignment=”center” custom_margin=”0px||0px||false|false” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.7″ header_font=”Lato|900|||||||” header_text_color=”#004a7b” header_font_size=”45px” header_line_height=”1.2em” header_2_font=”Lato|900|||||||” header_2_text_align=”center” header_2_text_color=”#ffffff” header_2_font_size=”35px” header_2_line_height=”1.3em” width=”100%” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|phone” module_alignment=”center” custom_margin=”||25px||false|false” custom_padding=”3px|||||” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”10%” header_2_text_align_tablet=”center” header_2_text_align_phone=”center” header_2_text_align_last_edited=”off|desktop” module_alignment_tablet=”center” module_alignment_phone=”center” module_alignment_last_edited=”on|desktop” locked=”off” global_colors_info=”{}” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)”]<\/p>\n

Term Life Insurance FAQ’s<\/h2>\n

[\/et_pb_text][et_pb_toggle title=”How long do the premium rates stay the same?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″]<\/p>\n

The insurance companies we work with offer level premium products for ten, fifteen, twenty, twenty five or thirty years, depending on your age.<\/div>\n

[\/et_pb_toggle][et_pb_toggle title=”What happens after the level premium period?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″]<\/p>\n

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Usually coverage can be continued beyond the level premium period, though the rates will increase. Most of these products are designed and priced for the specific level period. Some companies may offer a conversion option prior to end of the level period, depending on your age.<\/div>\n<\/div>\n

[\/et_pb_toggle][et_pb_toggle title=”Does term life insurance offer any cash value?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″]<\/p>\n

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Generally no. Term or universal life policies with term like premiums are designed to be as cheap as possible for some specific period of time. Some policies do offer a return of the premiums after the level period, for an additional cost. Contact us for details.<\/div>\n<\/div>\n

[\/et_pb_toggle][et_pb_toggle title=”What is universal life\/term?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″]<\/p>\n

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Some carriers offer universal life plans with rates similar to term insurance rates.<\/div>\n<\/div>\n

[\/et_pb_toggle][et_pb_toggle title=”What is return of premium (ROP) term life insurance?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″]<\/p>\n

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Some of our carriers offer level premium term policies that will return the premiums you have paid after the level period is over if you are still living. There is an additional cost for this type of plan. Contact us for details.<\/div>\n<\/div>\n

[\/et_pb_toggle][et_pb_toggle title=”Where do I begin?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″ body_link_text_color__hover_enabled=”on|desktop” body_link_text_color__hover=”#004A7B”]<\/p>\n

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Call one of our licensed agents toll free at 1-800-580-4393<\/strong><\/a>. We will discuss your needs and ask you a few questions to help us give you an accurate quote. We will explain the process and if you wish to apply we will send you all the necessary paperwork to get started.<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_toggle][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.7″ header_font=”Lato|900|||||||” header_text_color=”#004a7b” header_font_size=”45px” header_line_height=”1.2em” header_2_font=”Lato|900|||||||” header_2_text_align=”center” header_2_text_color=”#ffffff” header_2_font_size=”35px” header_2_line_height=”1.3em” width=”100%” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|phone” module_alignment=”center” custom_margin=”||25px||false|false” custom_padding=”3px|||||” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”10%” header_2_text_align_tablet=”center” header_2_text_align_phone=”center” header_2_text_align_last_edited=”off|desktop” module_alignment_tablet=”center” module_alignment_phone=”center” module_alignment_last_edited=”on|desktop” locked=”off” global_colors_info=”{}” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)”]<\/p>\n

Universal Life Insurance FAQ’s<\/h2>\n

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Universal Life is a form of permanent life insurance protection. If your Universal Life insurance is in force at the time of your death, policy proceeds will be paid in accordance with the terms of the policy to the beneficiary you designate. Universal Life policies offer a valuable death benefit and provide the opportunity to build cash values that you can borrow or withdraw.\u00a0Policy loans incur interest charges and withdrawals are subject to surrender charges during the surrender charge period. Also policy loans or withdrawals will reduce the death benefit.<\/div>\n<\/div>\n

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Universal life insurance combines a death benefit with the ability to accumulate a cash value. Policy expenses are deducted from each premium payment and the remaining premium is credited to the cash value from which the cost of the life insurance is deducted. As long as there is sufficient cash value, you can temporarily stop or skip premium payments. Interest is then credited on the cash value and under current tax law, can be tax deferred. You can borrow or withdraw from your cash surrender value. In addition, universal life offers the flexibility to make higher premium payments when you have extra cash on hand or lower payments when you don’t.\u00a0Policy loans incur interest charges and withdrawals are subject to surrender charges during the surrender charge period. Also policy loans or withdrawals will reduce the death benefit.<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_toggle][et_pb_toggle title=”What effect will a withdrawal or loan have on my universal life policy?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″]<\/p>\n

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Generally, a loan or withdrawal will reduce the death benefit by the amount you take from the policy. Most of the time loans can be repaid to reestablish the original death benefit, but a withdrawal cannot. On loans, interest is charged each year on the amount you borrow and can either be paid by you or added to the loan. Be aware, policy loans and withdrawals can dramatically affect the long term performance of the policy.\u00a0Policy loans incur interest charges and withdrawals are subject to surrender charges during the surrender charge period. Also policy loans or withdrawals will reduce the death benefit.<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_toggle][et_pb_toggle title=”What is universal life\/term?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″]<\/p>\n

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Some carriers offer universal life plans with rates similar to term insurance rates.<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_toggle][et_pb_toggle title=”Where do I begin?” open_toggle_text_color=”#004A7B” open_toggle_background_color=”#F0F3F8″ closed_toggle_text_color=”#004A7B” closed_toggle_background_color=”#F0F3F8″ icon_color=”#2D8ED4″ open_icon_color=”#2D8ED4″ _builder_version=”4.27.7″ _module_preset=”default” title_text_color=”#004A7B” title_level=”h4″ title_font=”Open Sans|700|||||||” title_font_size=”20px” title_line_height=”1.4em” closed_title_font=”Open Sans|700|||||||” closed_title_font_size=”20px” closed_title_line_height=”1.4em” body_font=”Open Sans||||||||” body_text_color=”#415563″ body_font_size=”16px” background_color=”rgba(0,0,0,0)” width=”100%” max_width=”100%” custom_margin=”5px||5px||false|false” custom_padding=”|50px||50px|false|false” custom_padding_tablet=”|25px||25px|false|true” custom_padding_phone=”|25px||25px|false|true” custom_padding_last_edited=”on|tablet” title_font_size_tablet=”20px” title_font_size_phone=”18px” title_font_size_last_edited=”on|tablet” closed_title_font_size_tablet=”20px” closed_title_font_size_phone=”18px” closed_title_font_size_last_edited=”on|phone” border_width_all=”0px” border_color_all=”#ffffff” border_width_bottom=”1px” icon_color__hover=”#622d89″ icon_color__hover_enabled=”off|desktop” global_colors_info=”{}” closed_toggle_background_color__hover_enabled=”on|desktop” closed_toggle_background_color__hover=”#DBEAF7″ open_icon_color__hover=”#622d89″ open_icon_color__hover_enabled=”off|desktop” open_toggle_background_color__hover_enabled=”on|desktop” open_toggle_background_color__hover=”#F0F3F8″ body_link_text_color__hover_enabled=”on|desktop” body_link_text_color__hover=”#004A7B”]<\/p>\n

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Call one of our licensed agents toll free at 1-800-580-4393<\/strong><\/a>. We will discuss your needs and ask you a few questions to help us give you an accurate quote. We will explain the process and if you wish to apply we will send you all the necessary paperwork to get started.<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.7″ _module_preset=”default” custom_padding=”60px||60px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.7″ _module_preset=”default” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.7″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.7″ header_font=”Lato|900|||||||” header_text_color=”#004a7b” header_font_size=”45px” header_line_height=”1.2em” header_2_font=”Lato|900|||||||” header_2_text_align=”center” header_2_text_color=”#004A7B” header_2_font_size=”35px” header_2_line_height=”1.3em” width_tablet=”100%” width_phone=”100%” width_last_edited=”off|desktop” custom_margin=”||3px||false|false” animation_style=”slide” animation_direction=”bottom” animation_intensity_slide=”10%” header_2_text_align_tablet=”center” header_2_text_align_phone=”center” header_2_text_align_last_edited=”off|desktop” module_alignment_tablet=”center” module_alignment_phone=”center” module_alignment_last_edited=”off|desktop” locked=”off” global_colors_info=”{}” header_font_size__hover=”30px” header_font_size__hover_enabled=”30px” header_letter_spacing__hover=”0px” header_letter_spacing__hover_enabled=”0px” header_text_shadow_style__hover=”none” header_text_shadow_style__hover_enabled=”none” header_text_shadow_color__hover=”rgba(0,0,0,0.4)” header_text_shadow_color__hover_enabled=”rgba(0,0,0,0.4)” width__hover_enabled=”off|desktop”]<\/p>\n

Do You Still Have Questions?<\/h2>\n

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Our Friendly and Knowledgeable Staff to Assist You<\/h4>\n

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If you have any questions that aren\u2019t addressed here, or if you just want to open up a dialogue, please don\u2019t hesitate to give us a call, or\u00a0email us<\/a>. We take pride in helping our customers understand all their options and move forward with the best plan available so give us a call any time.<\/p>\n

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Have a Question?
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1-800-580-4393<\/a><\/p>\n

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info@millay.com<\/a><\/p>\n

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Click Here<\/a><\/p>\n

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