FAQ’s

Since COVID most people are instantly approved with no exam and no medical records.

Term Life, Term Return of Premium, Indexed Universal Life, Whole Life, Current Assumption, Universal Life, & Guaranteed Universal Life.

No Worries…… we have 3 companies that will write you as a “non-smoker” even with admitted marijuana use!

No Worries…… we have 4 companies that will write you as a “non-smoker” even with admitted dipping or cigar smoking. This means your price is literally 50-60% cheaper with us.

Not sure there is a “best” way, so be cautious of advisors that tell you this is the “best” place to put your money. But its proven that if you can minimize your loss over time your money will grow quicker than you could ever imagine. Think about if your money never took a loss but only grew in a positive direction even if it wasn’t a flashy 15% annual return. Remember the bigger gains you can make the bigger loss you can also take.

Relying solely on your children for long-term care will put emotional, physical, and financial strain on them. Long-term care insurance helps protect your family by covering professional care, giving you independence, and easing the burden on your loved ones. You want your kids and grandchildren to visit you as the family they are not your caregiver. 

Even if you have significant savings, long-term care can be extremely expensive and unpredictable. Long-term care insurance can help preserve your wealth, protect your assets, and provide more care options without depleting your savings. 

Buying long-term care insurance isn’t just about money—it’s emotionally beneficial for your family because it relieves them from the stress and responsibility of providing full-time care. It allows your loved ones to focus on supporting and enjoying time with you, rather than managing medical tasks, schedules, or financial strain, giving everyone peace of mind. 

From diagnosis to death, people with Alzheimer’s typically live 6 to 9 years, though some may live up to 20 years

Yes. Long-term care insurance does more than protect your assets—it also helps preserve your independence, gives you more choices about where and how you receive care, and reduces the emotional and physical burden on your family by covering the cost of care when you need it. 

No, Medicare generally does not cover long-term care. It only pays for short-term skilled nursing or rehabilitation services following a hospital stay, usually for a limited time. Long-term care services—like assistance with daily activities at home or in a nursing facility—are typically not covered, which is why planning with long-term care insurance or personal savings is important. 

Not necessarily. While long-term care insurance is often associated with older adults, it can be beneficial for younger adults too, especially those in their 50s or early 60s. Unexpected illness, injury, or disability can happen at any age, and buying earlier usually means lower premiums and better chances of qualifying for coverage. 

Yes — a person really can sell their life insurance policy, and it’s completely legal. This is called a life settlement, where you sell your policy to a third party for a cash payout, and they take over the premiums and receive the death benefit when you pass. 

You can typically sell a life insurance policy for 10%–35% of its death benefit, depending on your age, health, policy type, and premiums. 

There are many factors to consider, such as how much you’ve paid in premiums, the cash value, life expectancy, and the payout amount. That said, when you’re looking into selling your policy, taxes are usually the least of your concern

Yes – Many factors come into consideration here. Age, health, how many years remaining on the term, and conversion availability. We can help you get all these answers to see if you qualify. 

A buy-sell agreement benefits you by ensuring a smooth ownership transfer, protecting business value, providing funds to buy out an owner, and giving peace of mind for the future. 

Common triggering events for a buy-sell agreement include death, disability, retirement, or an owner leaving the business voluntary or involuntary. 

A buy-sell agreement is typically funded using life insurance, disability insurance, company savings, or a combination, ensuring money is available to buy out an owner when a triggering event occurs. 

If one business partner unexpectedly passes away, a buy-sell agreement ensures the remaining partners can buy the deceased partner’s share(s) immediately using pre-funded life insurance, keeping the business stable and ownership clear without financial stress or family disputes. 

Star salesperson, founder, executive, or major decision maker, a person who handles important accounts, or someone that would be hard to replace.

Most companies buy 5–10 times the key employee’s salary or enough to cover replacement costs and lost revenue if that person were gone.

A business has a key executive insured for $1 million. If that executive unexpectedly passes away, the insurance company pays the $1 million death benefit directly to the business. The company can then use the funds to cover lost revenue, hire and train a replacement, or pay off business expenses, keeping operations running smoothly. 

A final expense policy ensures funeral costs are covered without depleting your savings, giving both you and your family peace of mind. 

If you’ve been turned down for traditional life insurance, you may still qualify for guaranteed or simplified issue policies, which provide coverage without medical exams. 

You can typically purchase a final expense policy up to age 85–90, depending on the insurer, though coverage amounts may be smaller and premiums higher at older ages.

Yes, most funeral homes accept final expense life insurance to pay for funeral costs. Typically, your family provides the policy information to the funeral home, and the insurer pays the benefit directly or reimburses the family for covered expenses.

Yes, the death benefit from a final expense life insurance policy is paid tax-free to your beneficiaries, so your family can use the full amount to cover funeral and other end-of-life expenses. 

An insurance company determines disability based on your policy’s definition—usually whether you can’t perform your own job (own-occupation) or any suitable job (any-occupation)—using medical records, doctor statements, and sometimes an independent exam. 

Yes. Even healthy people can become disabled due to accidents, illnesses, or injuries. Statistics show that 1 in 4 of today’s 20-year-olds will become disabled before age 67, so disability insurance isn’t just for people with preexisting conditions—it’s protection for anyone who relies on their income. 

ADL’s include bathing, dressing, eating, using the bathroom, moving in and out of a bed or chair, and controlling bladder and bowel.

Short-term disability covers income for a few months if you’re temporarily unable to work, while long-term disability provides income for extended periods, often until retirement or recovery. 

If your employer paid the premiums, the disability benefits are usually taxable. If you paid with after-tax dollars, the benefits are generally tax-free. 

Ever since Covid most people qualify for “no exam” underwriting which means no blood or urine samples. 

Yes. Many companies will still decline for this and/or give you a tobacco rating. But here at J Hinton Capital we write w/ over 30 companies and have between 5-8 companies that do not penalize a person for smoking marijuana. You can still get Preferred Non-Tobacco rates. 

At J Hinton Capital we have four companies that will offer you a “non tobacco” rate if you dip or have a positive urine test.

These are captive companies that offer you insurance from one company with one price. When using an agent like J Hinton Capital, you have access to over 30 companies which means you can shop around for the plan and price that fits you best.

There is no discount when buying online. Why not use a local agent that gives you personalized guidance, face-to-face support, and ongoing help with claims or any policy changes throughout your lifetime. J Hinton Capital even provides annual reviews for you. 

You should start getting more conservative about 5–10 years before you plan to retire, because that’s when a major market drop could delay your retirement. In your 20s–40s you can stay aggressive, and then gradually shift to safer options through your 50s and early 60s. The closer you are to needing the money, the more protection you want, but you still keep some growth for long-term retirement needs. 

A RMD (Required Minimum Distribution) is the minimum amount the IRS requires you to withdraw each year from certain retirement accounts, like traditional IRAs and 401(k)s. You must start taking RMDs by April 1 of the year after you turn 73 (as of current IRS rules). 

Short answer: No—annuities aren’t “bad,” but they can be bad depending on the type, the fees, and the situation. 
Dave Ramsey and Clark Howard focus on the worst annuities (high-fee variable annuities, old contracts, or products sold improperly), but they tend to lump all annuities together.

Their advice is mostly aimed at everyday individuals and families, often with very limited savings or greater debt. They focus on people trying to build financial stability, and paying off their debt—not those with larger investment portfolios or complex financial situations when legacy planning is involved. 

If you take interest only, you can draw about $55,000 per year ($4,583 per month) while keeping your principal intact. 

A 1% annual fee may seem small, but over decades it can cost a lot. For example, $500,000 growing at 7% for 30 years becomes about $3.76M—but with a 1% fee (6% growth), it only grows to $2.85M, nearly $900,000 less. Small fees really add up over time. 

Your financial goals, risk tolerance, and timeline are unique. Advice from well-meaning family or friends may not fit your situation and can lead to costly mistakes. Trusting a plan tailored to you keeps your money working toward your future, not someone else’s opinion.