The process
Finding the right coverage, step by step.
What we look at together
How much coverage you need
What would your income, debts, and dependents actually require?
Your budget
What monthly cost fits comfortably, so the coverage stays in place?
Your health profile
Health and tobacco use shape which rate classes and carriers fit you best.
Policy type fit
Term vs. whole vs. universal — which structure matches your goals?
Beneficiaries
Who should the policy protect, and are those designations set up the way you want?
Riders and conversion options
Which riders are worth having, and can term coverage convert later?
What we don't do
- — We don't manage existing policies on your behalf without your written direction.
- — We don't sell investment products, annuities, or securities.
- — We don't recommend replacement unless the numbers genuinely favor it.
The four-step process
01
Answer a few questions
Fill out the 3-step questionnaire on the home page. A few minutes. No documents needed up front.
02
Talk with a licensed agent
A licensed agent reviews your answers, pulls illustrative rates from available carriers, and reaches out.
03
Compare options
We lay out your options in plain language. If you already have a policy, we compare it side by side, including any replacement disclosures your state requires.
04
Decide
You decide. There's no pressure and no obligation. If a policy you already have is the right fit, we'll say so.
Replacement is a real conversation, not a foregone conclusion.
In nearly every state, a recommendation to replace an existing life insurance policy requires a formal replacement notice and a side-by-side comparison of the existing and proposed policies. We take this seriously.
Replacement can result in surrender charges, a new contestability period, loss of guarantees, and potential tax consequences. We will walk you through every material difference before you make any decision.
Frequently asked questions
Is this really free?
Yes. Working with us costs you nothing. We are compensated by the insurance carrier if you choose to apply for a policy. If you don't apply for anything, you owe us nothing.
Do I need any documents to get started?
No. The questionnaire gives us enough to start. If you already have a policy and want to compare it, we may ask for your declarations page later.
What states do you serve?
Trusted Enrollment is a licensed insurance agency. Tell us where you live and we'll confirm we can serve you — and if we can't, we'll say so.
Will this affect my existing policy?
No. Talking with us changes nothing. Your existing policy stays exactly as it is unless you apply for a new one and the old one is surrendered or lapsed — and that would only happen with your explicit written direction.