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Got Questions?

You're not alone. We get questions all the time.

What type of life insurance do you offer?

We offer Term Life, Return of Premium Term, Whole Life, Universal Life, and Final Expense coverage. Our specialty is Return of Premium (ROP) life insurance — a policy that refunds 100% of your premiums if you outlive the term.

What’s the difference between Term and Whole Life?

Term Life provides coverage for a set number of years (usually 10, 20, or 30) and is generally the most affordable. Whole Life offers lifelong protection and builds guaranteed cash value over time, but costs more. We help you compare both — plus options like Return of Premium — so you can decide what’s best for your situation.

Do I need a medical exam to qualify?

Some policies require a quick medical exam, but many don’t! We offer No Exam and Simplified Issue options where approval is based on a health questionnaire only. It depends on your age, health, and the coverage amount.

What happens if I outlive my policy?

If you choose a Return of Premium policy and you outlive the term, you get 100% of your premiums back — tax-free. It’s like renting insurance but getting a full refund at the end.

Can I afford life insurance?

Most people are surprised at how affordable it is. Basic term coverage for a healthy 35-year-old can be as low as $30/month — and Return of Premium options often start around $80/month. We’ll help you find a plan that fits your budget.

How long does it take to get covered?

Many clients are approved within 24 to 72 hours, especially with no-exam policies. For more complex policies, it can take 1–2 weeks. We’ll walk you through every step.

Is this a hard sell?

Not at all. We’re here to educate you first, not pressure you into anything. You’ll get clear options, honest advice, and time to decide.

Why should I choose Get Peace Insurance?

Because we’ve been in your shoes. This agency was started after our founder was sold a policy he didn’t fully understand — and later couldn’t change due to health issues. Our mission is to give you clarity, confidence, and coverage you won’t regret.