We Have Answers
Frequently Asked Questions
Everything you need to know about life insurance, our process, and how we can help protect your family — answered simply and clearly.
General Questions
What is Opulent Life Financial? +
Opulent Life Financial is a Chicago-based independent life insurance agency serving clients in all 50 states entirely by phone. We are contracted with top A-rated carriers including Americo, Ethos, American Amicable, Mutual of Omaha, and Corebridge Financial.
How does the process work? +
Our process is simple. You contact us by phone or fill out our online quote request form. One of our licensed agents will contact you to discuss your needs and shop our top carriers to find the best coverage at the best price for your family. Everything is handled completely over the phone from the comfort of your home. No office visits. No doctor appointments. No medical exams for most policies.
What states do you serve? +
We serve clients in all 50 states nationwide. Because we are a 100% phone-based agency your location does not matter. Whether you are in California, Texas, New York, Florida, or anywhere else in the country we can help you get covered.
How do I get started? +
Coverage Questions
Do I need a medical exam to get covered? +
No. Most of our policies require absolutely no medical exam and no doctor visits. You can get covered entirely over the phone from the comfort of your home without ever seeing a doctor or taking any medical tests for most policies.
What is Day One Coverage? +
Day One Coverage means your life insurance protection begins immediately upon approval — on the very first day your policy is issued. There is no waiting period on qualifying policies. Your family is protected from the moment your coverage is approved.
What are living benefits? +
Living benefits allow you to access a portion of your death benefit while you are still alive if you are diagnosed with a qualifying critical, chronic, or terminal illness. This means your life insurance policy protects not just your family after you are gone — it also protects you during your lifetime. Most of our policies include living benefits at no additional cost.
What types of life insurance do you offer? +
We offer five types of life insurance: Whole Life Insurance, Term Life Insurance, Indexed Universal Life (IUL), Final Expense Insurance, and Mortgage Protection Insurance. Our agents will help you determine which policy is the best fit for your family and financial goals.
How much coverage do I need? +
The right amount of coverage depends on your individual circumstances including your income, debts, number of dependents, and financial goals. Our licensed agents will work with you to assess your needs and recommend the appropriate coverage amount for your situation.
Can I get covered if I have pre-existing health conditions? +
In many cases yes. Because we work with multiple A-rated carriers we have access to a variety of products designed for clients with different health backgrounds. Many of our final expense and simplified issue policies are specifically designed for clients who may have been declined elsewhere.
Carriers & Pricing
Which carriers do you work with? +
We are contracted with companies like Americo, Ethos, American Amicable, Mutual of Omaha, and Corebridge Financial — all Top A-rated carriers with strong financial stability ratings.
How much does life insurance cost? +
The cost of life insurance depends on several factors including your age, health, the type of policy, and the coverage amount you select. Many of our clients get covered for as little as a few dollars per day. Contact us for a free no-obligation quote.
Is there a fee to get a quote? +
Absolutely not. Getting a quote from Opulent Life Financial is completely free and there is no obligation whatsoever.
Agent Opportunities
Do I need to be licensed to join? +
A life insurance license is required to sell insurance products. However if you are not yet licensed we can guide you through the licensing process. Do not let the lack of a license stop you from applying.
How much can I earn as an agent? +
Our top producers earn $10,000 to $30,000+ per month. There is no cap on your income. Your earnings are a direct reflection of your effort, work ethic, and ambition.
Can I work remotely as an agent? +
Yes. Our agency is 100% phone-based which means you can work from anywhere in the country.
