Frequently Asked Questions ( FAQ )
What types of insurance do you offer?
We specialize in life-focused insurance solutions, including:
- Term Life and Whole Life Insurance
- Final Expense Coverage
- Critical Illness Insurance
- Disability Income Insurance
- Accidental Death & Dismemberment (AD&D)
- Indexed Universal Life (IUL) for retirement planning
Each product is designed to support you through life’s milestones with coverage tailored to your needs.
How do I know which insurance policy is right for me?
That’s where we come in. Our advisors will help you evaluate your financial goals, family needs, and budget to find the policy that fits best. We’re here to make this process simple and stress-free.
Are medical exams required?
Some policies, such as Final Expense and certain AD&D or Critical Illness plans, typically do not require medical exams. Others may require a health check depending on your age and coverage amount. We’ll walk you through all options.
What makes The Boutwell Agency different?
We’re a family-owned agency based in Northport, Alabama. We work with over 40 carriers as independent brokers—so instead of being tied to one company, we shop the market to find you the best rates and coverage. You’ll always get honest advice from people who truly care.
How does disability insurance work?
If you’re unable to work due to illness or injury, disability insurance replaces a portion of your income so you can maintain your lifestyle and protect your family from financial hardship.
What is Indexed Universal Life (IUL)?
IUL combines life insurance protection with a retirement savings tool. Your policy builds cash value over time, growing based on market index performance—but with a safety net that protects against losses.
How does Critical Illness Insurance help?
If you’re diagnosed with a serious illness like cancer, heart attack, or stroke, this policy pays a lump sum benefit. That money can be used for medical bills, rent, childcare, or anything else you need during recovery.
How do I get a quote?
Easy—just schedule a time with one of our advisors or fill out the form on our website. We’ll guide you step-by-step and provide a personalized quote with no pressure.
