From first question to fully covered — in three steps.
No mystery and no pressure. Here is exactly what working with us looks like, so you know what to expect before we ever speak.
Understand how much coverage your family would actually need
Before anyone talks about products, you deserve a number. The DIME method adds up your Debt, the Income your family would need to replace, your Mortgage and your children's Education — minus the coverage you already have. It takes about a minute and no email is required.
Open the free DIME calculatorWe review your number together, in English or Spanish
A free, bilingual consultation with zero obligation. We go through your situation, compare options across 30+ carriers, and explain the trade-offs in plain language. If nothing fits your budget or your goals, we will tell you that honestly — and you walk away with clarity either way.
Book your free consultationThe underwriting process, in plain language
Once you decide to move forward, here is exactly what the carrier does and where you fit in. No surprises, no jargon.
- 1
We submit the application
We complete and submit your application together. I walk you through every question so nothing is guessed at.
- 2
The carrier reviews your records
The insurance company reviews financial and medical records to confirm what the application says.
- 3
Sometimes a porta-med visit
They may request a porta-med: a nurse comes to your home and runs a basic physical. It is completely free to you.
- 4
Approval, then e-signatures
Once everything checks out the carrier issues a policy approval, and we e-sign all the necessary paperwork.
- 5
First premium, then you're covered
Expect the bank draft of your first premium within 24 to 48 hours. At that point you are fully insured and covered immediately.
Through all of it, you can count on me to be honest, transparent and with you at every step of the way. Aegis Vita doesn't just provide clarity to begin with — we walk with you and become your advocate and agent for life.
Education first. Always.
You will never be rushed, upsold, or handed a policy you don't understand. Start wherever you are comfortable — run your own number, read first, or just ask us a question.
Feel free to share this page with your spouse, your parents or anyone who should be part of the decision.
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