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Your Top Questions Answered
How much coverage do North Carolina families typically need?
For North Carolina residents, we recommend:
Greensboro professionals: 10x income + mortgage balance
High Point retirees: $15k-$50k for final expenses
Winston-Salem business owners: Debt + 5 years income replacement
Do I need a medical exam if I live in North Carolina?
83% of our North Carolina clients qualify with no exam through:
Instant-approval term policies (up to $500K)
Guaranteed Issue whole life (Greensboro’s #1 choice for seniors)
Simplified underwriting for High Point residents with controlled conditions
How fast can coverage start for High Point residents?
Our fastest North Carolina approvals:
| Policy Type | Avg. Approval Time |
|---|---|
| Final Expense | Same day (by 5PM) |
| Term Life | 1-3 business days |
| Guaranteed Issue | Immediate coverage* |
*First payment required
Can I get covered with diabetes or high blood pressure?
Yes! In April 2025 alone, we helped:
47 Winston-Salem residents with Type 2 Diabetes
32 Greensboro applicants with hypertension
29 High Point seniors after heart stents
Options include:
Standard rates (if controlled)
Modified plans (slightly higher premium)
Guaranteed Issue (no health questions)