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John Royo
Senior Insurance Broker
NPN License Number: 21228152
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TESTIMONIALS
What others are saying
"John is an honest guy"
"It's refreshing to meet an agent that isn't a pushy salesman. John is an honest guy and found me a great plan!"
- Annie Burlandson
"Saved us $42/month"
"Other agents told us that we would only qualify for a 2 year waiting period. John got us approved for 1st day full coverage for $42/mo cheaper!"
- Richard and Patty Bell
"Got coverage in 15 mins"
"John gave me a call, asked me a few questions, and in 15 mins I was approved and ready to go! Thank you John!."
- Diego Garcia
Have Questions?
Frequently Asked Questions
Question 1: Do I have to take a medical exam to qualify?
No. Most final expense policies do not require a medical exam. Approval is usually based on answers to a few simple health questions, and many people—even with existing health conditions—can qualify.
Question 2: Are there any waiting periods before the policy starts?
In most cases, no waiting period applies. Over 90% of our clients qualify for first-day full coverage, meaning your benefits start immediately. We work with a wide range of top insurance companies that offer flexible health criteria, so even if you have certain medical conditions, there’s an excellent chance we can get you covered right away.
Question 3: Will my rates ever increase or my coverage decrease?
No. With final expense insurance, your monthly premiums are locked in for life and your coverage amount will never decrease. You’ll have the peace of mind knowing your plan will always stay the same, no matter your age or health changes.
Question 4: How long does it take to get approved and when do I start making payments?
Most applications are completed in just 15 minutes over the phone, and many policies offer instant approvals—meaning your coverage can begin the very same day.
When it comes to payments, you can choose to start immediately, but most of our clients prefer to schedule their payments to line up with their Social Security deposit date. This way, the payment is automatic, always on time, and one less thing to worry about.