That depends on the carrier and the amount of insurance you are applying for.

Yes, depending on scenario, assigning a non-family member as beneficiary is possible.

Depends on the policy, amount of coverage, and condition of health. Each client is different, which is why I sit with each individually and come up with a product and plan that suits them.

Ages range from 0-80.

Yes, with some insurance companies you get Living Benefits, which can help you in the event of a chronic illness or accident by providing you with a portion of your death benefit to cover costs while you are healing.

Yes, however, you will need to assign a legal adult to manage it for them until age 18.

Anyone who has a family that depends on them, a business that depends on them, and anyone that depends on themselves.