I'll reach out personally — usually within one business day — to introduce myself and learn a bit about your situation. There's no sales pitch, just a straightforward conversation so I can understand what coverage makes sense for you and your family.

None at all. Getting a quote and speaking with me is completely free. There's no pressure and no obligation to proceed. My job is to give you clear information so you can make the right decision for your family — on your timeline.

For a meaningful quote, it helps to know your age, whether you smoke, the coverage amount you're considering, and some basic health background. You don't need documents upfront — a simple conversation covers most of it to start.

Absolutely. I'm fluent in both English and Farsi, and I'm happy to explain your options in whichever language feels most comfortable. Understanding your coverage clearly matters more than anything else, so we'll communicate however works best for you.

It varies depending on the insurer and your health profile. Some policies can be approved within days; others may require a medical questionnaire or exam, which can take a few weeks. I'll walk you through the expected timeline for your specific situation.

Many people with health conditions are still approved for life or critical illness coverage, sometimes with adjusted terms. I'll help you explore your options honestly and realistically. Please note: all coverage is subject to insurer approval based on your individual application.