The questions people actually ask.

There is no single answer, but the usual starting point is: what would have to keep getting paid if your income stopped? A mortgage, other debts, years of household expenses, childcare, and final expenses. Some people add education costs. An agent will work through it with you rather than handing you a rule of thumb.

It depends on your age, the state you live in, the product, the amount of coverage, and how the carrier underwrites your health history. That is why we will not put a number on this page — any premium quoted before those things are known is not a real quote. Ask an agent and you will get a real one.

No. There is no fee to speak with an agent, compare options, or apply. If you buy a policy, Maxivita Insurance LLC is paid a commission by the insurance carrier that issues it — that commission comes from the carrier, not as an extra charge on top of your premium.

It depends on the product and the carrier. Some policies are fully underwritten and include a paramedical exam; others are simplified issue and are issued without a medical exam. Issuance of coverage still depends on your answers to the health questions in the application — no exam does not mean no underwriting, and inaccurate answers can cause a claim to be denied.

Carriers treat the same condition very differently from one another. Being independent is most valuable exactly here: we can take your situation to the carrier most likely to underwrite it well. There are also simplified and guaranteed issue products designed for people who would not qualify for fully underwritten coverage — see our final expense page for how the waiting periods on those work.

On many guaranteed issue policies, if death occurs from natural causes within the first two to three policy years, the policy returns the premiums paid plus interest rather than the full face amount. The full benefit applies after that period, and accidental death is usually covered in full from the start. The exact terms are set by the issuing carrier and stated in the policy — always ask before you apply.

Yes. Most states require a free-look period — commonly ten to thirty days from delivery — during which you can return the policy for a refund of premium. The exact period is printed in your policy. After that, you can cancel at any time, though you may not get money back on a term policy.

No. Maxivita Insurance LLC does not issue policies, underwrite risk, or pay claims. Policies are issued and claims are paid by the insurance carrier that underwrites them, and any guarantees depend on that carrier's financial strength and claims-paying ability.

Maxivita Insurance LLC is an independent insurance business. Insurance is currently offered through Daniel Wolf, a licensed insurance producer who holds Florida resident license G367631 (NPN 22320765) and is licensed to transact insurance in Alaska, Arizona, Arkansas, Connecticut, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Dakota, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming. Every person who advises you about coverage holds their own state insurance license, and only licensed individuals solicit or sell insurance on our behalf. The agency license for Maxivita Insurance LLC itself is pending; until it issues, business is written under the producer license above.

No. Maxivita Insurance LLC is not connected with or endorsed by the U.S. government, the Centers for Medicare & Medicaid Services, the Social Security Administration, or any state or federal agency.

Daniel Wolf is licensed to transact insurance in 39 states — the full state-by-state list is on our licensing and disclosures page. Not all products are available in all states. If you are outside our licensed footprint we will tell you rather than take your information. Our full licensing detail is on the licensing and disclosures page.

We use it to have a licensed agent contact you and, if you move forward, to submit an application to a carrier. We do not sell your information to unrelated marketers. The full detail — including how to opt out and how to withdraw consent to be contacted — is in our privacy policy and GLBA privacy notice.

Reply STOP to any text and we will stop texting that number. Ask any agent to put you on our internal do not call list, or email compliance@maxivita.io with the phone number, and we will honor it. You may withdraw consent at any time by any reasonable method.