FAQ’s – Customer

GFI partners with Lead Masters, giving us access to multiple top-tier insurance carriers. This allows us to compare options and help you find a policy that fits your needs and budget—not just whatever one company offers.

You receive more choice, flexibility, and competitive pricing. Instead of being limited to a single carrier’s products, we can explore several options and tailor a solution that works best for your situation.

We offer life insurance solutions including Term Life, Return of Premium, and Indexed Universal Life policies, as well as annuities. We can also assist with additional insurance needs such as health coverage through our network.

Yes. We can guide you through multiple options, explain differences clearly, and help you evaluate cost, coverage, and long-term benefits so you can make an informed decision.

No. Our goal is to provide information and guidance—not pressure. You decide what works best for you. We support your decision-making process.

We ask questions about your goals, budget, family needs, and long-term plans. Based on that information, we recommend options that align with what you are trying to protect and accomplish.

Term Life provides coverage for a set period of time and is usually the most affordable. Permanent policies, such as Indexed Universal Life, can provide lifelong coverage and may include cash value features.

A Return of Premium policy refunds the base premiums you paid if you outlive the policy term. It provides protection while offering the potential to recover your payments later.

Indexed Universal Life (IUL) offers lifelong coverage with the potential to build cash value based on market performance, while guaranteeing a minimum return. Many choose it for flexibility and long-term financial planning.

Some policies require a medical exam, while others do not. The need depends on the carrier, policy type, and your health history. We can help you explore both options.

It depends on the policy. Term Life typically has level premiums for the length of the term. Other products may adjust based on policy structure or chosen features. We explain these details before you decide.

Most policies allow changes or cancellation, though fees or changes in benefits may apply. We help you understand your options and work with the carrier if adjustments are needed.

Approval times vary by carrier and policy type. Some approvals happen within days, while others may take several weeks depending on underwriting requirements.

Yes. We offer annuities that provide guaranteed income options and can be part of a long-term retirement strategy.

Absolutely. We guide you through the process, answer questions, and help ensure you understand the policy you choose. You are never on your own.