Three Steps to Peace of Mind
Getting life insurance should be simple. With Asurgo, it is. Here is exactly what happens when you reach out, so there are no surprises.
Tell Us About Yourself
Fill out a short form or give us a call. We ask a few basic questions: your age, state, and what kind of coverage you are looking for. That is it. No 20-page application, no confusing jargon.
Most plans do not require a medical exam. The whole process takes about two minutes, and there is zero obligation.
- Takes about 2 minutes
- No medical exam on most plans
- No obligation, no pressure
We Shop 25+ Carriers for You
This is where being independent makes all the difference. Instead of offering you one company's products, we compare rates from Mutual of Omaha, Transamerica, AIG, and 20+ other top-rated carriers to find the best fit for your health and budget.
A licensed specialist reviews your options and puts together a personalized recommendation. You get the best rate available, not just whatever one company happens to offer.
- 25+ top-rated carriers compared
- Personalized to your health and budget
- A real person walks you through it
Get Covered
Once you choose a plan, coverage can be approved in as little as 24 hours. Your rates are locked in the day you apply and will never increase. A licensed specialist walks you through every detail so you know exactly what you are getting.
You can pay monthly by auto-draft or invoice. And if you ever have questions down the road, we are here. Same team, same number, same commitment to your family.
- Coverage in as little as 24 hours
- Rates locked in for life on whole life plans
- Ongoing support from your specialist
Why Do Insurance Companies Ask About Your Health?
When you apply for life insurance, the carrier needs to understand how likely they are to pay a claim. This is called underwriting. Your answers to a few simple health questions help the carrier figure out what rate to offer you.
Think of it like car insurance. A driver with a clean record pays less than one with multiple accidents. Life insurance works the same way: healthier applicants generally qualify for lower rates.
Here is the good news: on most final expense and mortgage protection plans, the health questions are simple. There is no blood test, no doctor visit, and no physical exam. You answer a short questionnaire, and that is it.
The bottom line: Health questions are not there to disqualify you. They help us match you with the carrier that offers the best rate for your specific situation. Even with health conditions, there is almost always an option.
Why Every Company Charges a Different Price
The same person can get wildly different quotes from different carriers. Here is why that happens.
Every insurance company has its own underwriting guidelines. They each weigh health conditions, age, tobacco use, and other factors differently. One carrier might offer a great rate to someone with diabetes, while another charges 40% more for the same person.
This is not random. Each company has built its pricing around the types of risk they are most comfortable insuring. Some specialize in older applicants. Others are more lenient on certain medications. Some offer the best rates to non-smokers in excellent health.
Different Risk Models
Each carrier uses its own data and actuarial tables. What is "standard" risk at one company might be "preferred" at another.
Different Specialties
Some carriers specialize in certain age groups or health profiles. A company built for seniors will often beat a general insurer on price.
Different Overhead
Larger companies may charge more due to higher operating costs. Leaner carriers can pass savings on to you through lower premiums.
Different Policy Features
Some policies include living benefits, cash value, or accelerated death benefits. More features can mean a different price point.
Same Person, Different Quotes
Example: 62-year-old female, non-smoker, $15,000 final expense coverage
Illustrative example only. Actual rates depend on individual health, age, and carrier availability.
This is exactly why shopping matters. If you only talk to one carrier, you might end up paying $72 a month for coverage you could get for $41. The difference adds up to over $370 a year.
How We Actually Find Your Best Price
When you work with a captive agent, they can only show you what their one company offers. Here is what happens when you work with Asurgo instead.
Shows you one company's options. If that company is expensive for your profile, you will never know. You get what they have, period.
Compares 25+ carriers against your specific health profile and budget. Finds the carrier that gives you the best rate, not the one that pays us the most.
Our licensed specialists know which carriers are lenient on specific conditions, which ones offer the best rates for certain age groups, and which ones have the fastest approval times. That knowledge is what you get when you work with Asurgo. It is the advantage of having someone who knows the entire market on your side.
How We Find the Right Price for You
It is not just about finding the cheapest option. It is about finding the right fit for your health, your budget, and your family's needs.
Step by step, here is what your specialist does:
1. Reviews your health profile. Based on your answers to a few simple questions, your specialist identifies which carriers are most likely to offer you the best rates. If you have diabetes, for example, they know which carriers are most favorable for diabetic applicants.
2. Compares rates across carriers. Your specialist runs your profile against multiple carriers simultaneously. This is not a guess. They use real underwriting guidelines from each company to project what you would qualify for.
3. Considers the full picture. Price matters, but so does policy quality. Your specialist looks at the death benefit, any waiting periods, cash value accumulation, and living benefits. A slightly higher premium might be worth it if the policy includes features your family would benefit from.
4. Presents your best options. You are never shown just one plan. Your specialist walks you through two or three of your best options, explains the trade-offs in plain language, and lets you decide. No pressure, no rush.
What makes this different from an online quote tool? Online calculators give you a ballpark number based on averages. Our specialists give you real rates based on your actual health answers, matched to the carriers most likely to approve you at the lowest cost. It is the difference between a guess and a personalized recommendation.
What Makes Us Different
Most insurance companies have one set of products and one set of rates. We are not most insurance companies.
Independent, Not Captive
We are not tied to any single insurance carrier. That means we work for you, not for a company trying to sell you their most expensive product.
Transparent Process
No hidden fees, no fine print surprises, no bait-and-switch. We show you your options, explain the differences, and let you decide what is best for your family.
Real People, Real Help
Every client works with a licensed specialist who knows insurance inside and out. You will never be handed off to a call center or left to figure things out alone.
We Know You Have Questions
Here are the ones we hear most often.
Will someone pressure me into buying?
No. We do not use high-pressure sales tactics. Our job is to present your options and answer your questions. You decide if and when you are ready to move forward. There is no obligation at any point.
Is there really no medical exam?
On most final expense and mortgage protection plans, yes. You answer a short health questionnaire, and that is all it takes. Some products for higher coverage amounts may require an exam, but your specialist will let you know upfront.
How do I pay for my policy?
Most clients pay monthly, either through automatic bank draft or a mailed invoice. Some carriers also offer quarterly or annual billing. Your specialist will walk you through the options so you can choose what works best for you.
Can I cancel my policy if I change my mind?
Yes, you can cancel anytime. Most policies also include a free-look period (typically 10 to 30 days depending on your state) where you can return the policy for a full refund, no questions asked.
Ready to See Your Options?
It takes two minutes to get started. No obligation, no pressure. Just honest answers from a licensed specialist who works for you.
Get a Free Quote Or call us directly at (855) 380-9555