Frequently Asked Questions

  • This Agency can perform a coverage needs assessment, present a quote, present insurance applications, serve as a liaison between the insurer and you, present claim forms.

    Eventually, This Agency will be associated with other types of professionals to whom we can refer you to in the event that insurance shopping is not the appropriate next action.

  • Reach out through the contact form, by a phone call, by email, or by mail. —As soon as you get in touch with This Agency, the next steps will be laid out and all questions answered along the way.

  • You do not pay This Agency a brokers fee upfront, since This Agency represents the insurer and is compensated by the insurer. This agency is also independent, which means This Agency is not stuck selling one brand of insurance products. Learn more about Ralph Cortez Insurance Agency.

  • No one knows! Without an insurance application sent to an insurer and underwriting performed, no one really knows what is the actual monthly bill you will pay for a life insurance policy. But what about a quote? A quote is not a final price, it is an estimate subject to change. Even though prices are not transparent like grocery items, You will eventually see the actual price at policy delivery and You can turn down the policy then and during the free look period.

  • Collaborative, honest, and straightforward. This Agency guides the whole insurance purchase process while being attentive to your needs and keeping you well informed.