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FAQs

Answers to some of the most frequently asked questions about finances and us.

Frequently Asked Question

How are we different from other financial sites?

To start, we're specialized. A lot of financial sites provide one size fits all solutions to the masses without the proper guidance to help you select the right products or options for your specific needs. We focus on adding value by creating financial solutions specifically for millennials. We understand our clients deeply and craft solutions specifically for their unique financial situation, lifestyle, and goals. We believe that millennials are capable of great things and are dedicated to helping them reach their financial potential. Secondarily, most financial sites don’t provide a great user experience. The sites are poorly designed and have poorly written content. They don’t make it easy to shop and understand what you’re buying. If they don’t confuse you, they bore you. Everything we do is designed to deliver a great experience. A lot of time, energy, and resources went in to designing an easy-to-navigate website, creating helpful resources and writing engaging content.

How do you develop solutions?

We work with licensed financial advisors, wealth advisors, and insurance brokers (many have 10+ years of experience) to develop, customize, and deliver the solutions listed on our site.

How do I know how much life insurance to get?

Visit our life insurance page and fill out the form to receive a suggested coverage amount. At the end of the form, you'll also have the option to request quotes and speak with an insurance broker about your options.

Will my life insurance rates change if I wait to get a policy?

Yes - Rates typically increase around 10% each year you put off buying. If you experience a change in health prior to buying a policy, your rate may increase as well.

Can we get you a cheaper price for insurance?

No—but neither can anyone else. Insurance rate tables and premiums are filed with and regulated by your state's department of insurance. That means you pay the same price for a given insurance company’s product, wherever you buy it from. However, you may get a better price by offering products from multiple insurance companies. One company might have more competitive pricing for your particular case. That’s an advantage of working with an independent broker.

Do we work with businesses or just individuals?

We work with both. Our solutions and resources are designed for individuals, but we can customize policies for employers who want to distribute them to employees. 

How do we make money?

We get paid a commission by insurance companies, financial advisors and wealth advisors. Our commissions are already baked into the price, so you aren't paying any extra for using our service. We understand that getting a commission on a sale introduces a potential conflict of interest; but we don't push or give preference to any one product over another because of the commission. Our compensation on any particular purchase can vary depending on a number of factors, including the type and size of product, the insurer, and the volume of business we have.

Are we affiliated with any insurance companies?

No—our partners are independent brokers. Which means we can offer insurance products from several different companies. There are also what’s called “captive” agents, who only offer products from their specific insurance company which makes it harder to compare quotes.