Advanced life management
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About Us
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We are Advanced Life Management, where your peace of mind and financial security are our top priorities, offering personalized insurance solutions to protect what matters most.
Advanced Life Management
Before selecting an insurance policy, your insurance advisor will conduct a comprehensive review of your financial situation, ask about your health history, and inquire about your long-term financial goals. They may also evaluate the following aspects:
Coverage Needs Assessment: Analyzing your current and future financial obligations, such as mortgage, education costs, and living expenses, to determine the appropriate amount of coverage.
Health and Lifestyle Review: Reviewing your medical history, lifestyle habits, and any pre-existing conditions to assess the risk and determine the premium rate.
Beneficiary Designation: Discussing your wishes regarding the designation of beneficiaries and ensure your Coverage aligns with your goals.
Policy Options and Riders: Exploring different types of policies, such as term or whole life insurance, and discussing any riders, that may enhance your protection.
Products
Health
Major Medical, PPO, POS, HMO, HSA
Dental Discount Insurance or Memberships
Vision Discount Plans / Insurance
Prescription Insurance or Memberships
Long Term Care, LTD, STD
Disability Income
Accident
Life
Indexed Universal Life
Universal Life
Whole Life
Term Life
Final Expense
Return of Premium plans
Guaranteed Issue Life
Financial
Indexed Annuities
Fixed Annuities
IRA to IRAs
401k
403b
Rollovers
FREQUENTLY ASKED QUESTIONS
What is life insurance, and how does it work?
Life insurance is a contract between you and an insurance company, where you pay regular premiums, and in return, the company provides a lump-sum payment, known as a death benefit, to your beneficiaries upon your passing. This payment can be used to cover expenses such as funeral costs, mortgage payments, and other financial needs.
How much coverage do I need?
The amount of coverage you need depends on your financial obligations, such as mortgage payments, outstanding debts, future education costs, and your family's living expenses. A general rule of thumb is to have coverage that is 5-10 times your annual income, but this can vary based on individual circumstances.
Can I change my policy after purchasing it?
While some policies offer flexibility, generally they only allow a reduction of benefits without additional underwriting. If you are torn between benefit amounts, we recommend discussing this with your agent before applying. Also, it's important to review your policy regularly and discuss any changes with your insurance agent to ensure it continues to meet your needs.
Andrew, owner of Advanced Life Management, is very professional, knowledgeable and his standards are very high in meeting his clients needs. He assisted my wife and I in securing individual health insurance. It took nearly a year to find a company that would insure our family. We were rejected by two other companies due to our preexisting conditions. He never gave up on us and for that I have referred many of my friends and associates.
I have been with Guarded Wellness for several years. They have always come through for me and I have recommended them to several of my family members and friends. Thank you for giving me piece of mind!