STONEWATER FINANCIAL · LIFE INSURANCE PROGRAM
Life insurance without the pokes and the prods
For those who quality, up to $10 million in life insurance coverage all processed with your digital identity record.
A streamlined program in collaboration Stonewater Financial.
UP TO
$10 Million
MAX COVERAGE
UP TO
10 Days
UNDERWRITING
POTENTIALLY
No Exam
FOR ELIGIBLE PEOPLE
WHY MOST PEOPLE WAIT TOO LONG
The process is the reason not the coverage.
Paramedical exams. Blood drawn. Stacks of forms. Six to twelve weeks of waiting, only to find out what you’re approved for, if anything.
For healthy individuals in their 30s, 40s, or early 50s, that experience is increasingly out of step with how the rest of your financial life works. So before we tell you about the program, we want to walk you through what’s actually changed.
THE EDUCATION
Three things most people don’t realize about life insurance today.
01
Insurability is a perishable asset.
The healthier you are today, the better your rate class and the higher the coverage you can qualify for. Every year, and every new diagnosis, narrows that window.
02
The market has finally caught up.
Top carriers now use accelerated underwriting prescription history, motor vehicle records, and electronic health data to make decisions in days. No exam required for many.
03
Coverage capacity is higher than you think.
Healthy individuals can often qualify for $5–10 million in coverage based on income alone. No business interest required. Just a strong income and a clean health record.
HOW IT WORKS
A four-step process designed around your time.
1
Personalized consultation
A 20-minute call with Steven to understand your situation and choose the right coverage amount and policy structure.
2
Digital eligibility check
A short online assessment confirms financial eligibility and identifies the carriers most likely to issue you a top rating.
3
POTENTIALLY No medical exam
Many healthy applicants qualify for the carrier’s best health classification using digital data alone, no blood work.
4
Swift, secure underwriting
The carrier’s digital platform completes background and health checks. Decisions often return in days, not months.
WHO THIS IS FOR
Designed for the people who keep putting it off.
If any of these sound like you, this program was built with you in mind.
Healthy individuals between roughly 30 and 55
Income earners protecting a family’s lifestyle, mortgage, or future obligations
Anyone with a future estate-tax concern or business succession need
Clients who’ve been meaning to “get around to it” and want a process that respects their time
WHAT YOU GET
A streamlined program, anchored by independent advice.
Up to $10M
In coverage, subject to financial and health underwriting
Days, not months
Underwriting decisions for many applicants
No exam
Top classifications available for eligible applicants
Independent advice
Steven represents you — not a single carrier
Coordinated
With your broader plan at Stonewater Financial
FREQUENTLY ASKED
The questions Steven hears most often.
How much coverage do I actually need?
A common rule of thumb is 10–15× annual income, but the right number depends on debt, dependents, and whether your plan includes estate, business, or charitable goals. Steven will walk you through the math on the call. REPLACEMENT OF INCOME IS TYPICAL. PAYING OFF DEBTS. LEAVING A LEGACY.
What's the difference between term and permanent?
Term covers a fixed window (10, 20, or 30 years) at the lowest cost — ideal for income replacement. Permanent insurance (whole or universal life) lasts your lifetime and builds cash value — useful for estate planning and tax-advantaged wealth transfer. Many clients use both. (USE THE CAR ANALOGY – WHOLE LIFE IS LIKE BEING AN OWNER)
Will I really avoid the medical exam?
Many healthy applicants qualify, but it depends on age, coverage amount, and what the carrier sees in your digital health record. You’ll know quickly.
What does it cost to explore this?
Nothing. The consultation, eligibility check, and quote are complimentary.
LET’S SEAL THE DEAL
Your insurability won’t wait. Neither should you.
Insurability is one of the most valuable assets in your financial life and one of the only ones that can disappear without warning. If you’ve been waiting for the right time, this is it.
This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance agent. This content is intended to assist in educating you about insurance generally and not to provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. Guarantees are based on the claims paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional. You may also visit your state’s insurance department for more information.