Before you call.
The ones I get asked most. Each points to the page that goes deeper.
Is the first conversation really free?
Yes, and there is nothing to buy at the end of it. I get paid by the carrier when someone chooses to place a policy through me. If a review shows you are already covered appropriately, I will say so.
Do I have to switch anything to work with you?
No. Plenty of reviews end with "keep what you have." The Financial Needs Analysis is complimentary, and if it shows you are already covered appropriately, I will say so and that is the end of it.
Who do you actually represent?
EC Financial represents Primerica Life Insurance Company for term life insurance — a company founded in 1977 that has grown into the largest independent financial services marketing company in North America. Debt solutions, the Financial Needs Analysis, and insurance-based retirement strategies come through that partnership. For needs outside it — auto and home, commercial coverage, legal protection, home security — I connect you with trusted partners, and I tell you plainly when something is a referral.
How quickly can you notarize something?
Usually within the same week, and often sooner for time-sensitive documents. Call and tell me what you have — I will tell you straight away whether it is something I can notarize and what you need to bring.
My business is just me. Do I still need insurance?
By law, less than you fear. By contract, more than you expect — your lease, your lender, and your first real client will each ask for a certificate. The business page walks the six coverages and the order to buy them in.
What is the business opportunity, in plain terms?
An independent contractor role in a licensed profession. You complete state pre-licensing education, pass the state exam, and then write insurance and financial products with mentorship from me. You are paid commission on the premiums you write. It is real work in a regulated field — not a shortcut, and not a guaranteed outcome.
Start here
A question that is not here?
Ask it. If other people are asking it too, the answer gets written up here.