Jamel Lewis Sr. Life Insurance
Talk with Jamel
Issue 01 · Family ProtectionChicago, IllinoisPlan No. JL-001

Your family needs a plan. Not a guess.

Term life, whole life, mortgage protection, and final expense coverage from several insurance companies, explained in plain English by a licensed agent here in Chicago.

Talk with Jamel See coverage options
Jamel Lewis, smiling, leaning against a wall by a window
Jamel LewisLicensed agent · IL
P.02 · The FeatureMeet your agent
Portrait of Jamel Lewis in a black shirt
Jamel LewisChicago

On the record

Based in
Chicago, Illinois
Licensed
Licensed Life Insurance Producer, Illinois License # 20464462, NPN # 20464462
Carriers
Independent agent appointed with several life insurance companies
Focus
Term life, whole life, mortgage protection, final expense
Verify
Look up NPN 20464462 with the Illinois Department of Insurance
Hours
Monday to Friday, 9:00am to 5:00pm

Who you'll talk with

Hi, I'm Jamel.

A Chicago husband and father of two, and a licensed life insurance agent. You'll talk with me, not a call center.

Why does this work matter to you?

Every family makes promises. Keep the house. Cover the goodbye. Take care of the kids. Life insurance is one way to keep those promises if you're not here to keep them yourself. I help families plan for the hard what-ifs without feeling sold to.

"Paperwork is the policy. People are the promise."

Are you tied to one company?

No. I'm an independent agent appointed with several life insurance companies. Each one looks at age, health, and medications a little differently. That lets me match you with a company that's likely to approve you at a price you can keep paying.

What if nothing fits right now?

Then I'll tell you that. A straight answer is worth more than a policy that doesn't fit your life.

What should I expect from you?

Plain English, no pressure, and someone local you can reach when life changes. Not only on the day you sign.

P.03 · The PromiseJamel Lewis Sr.

PolicyPromise.

P.04 · DepartmentsCoverage options

What's available

Three questions. Three kinds of coverage.

Each one answers a different question. Many families only need one. We'll figure out which together, then compare a few amounts and prices side by side.

Life insurance

If I'm gone, will my family be okay?

Life insurance pays money to the people you choose if you pass away. It can help replace your income, cover bills, or pay for school.

  • Term life covers you for a set number of years. It's usually the lowest monthly cost for the most coverage, but it ends when the term ends.
  • Middle-ground plans cost more than term. Some are built so that if you keep them for the full period, you can get your premiums back or keep a smaller paid-up policy.
  • Whole life is meant to last your lifetime and builds cash value. It costs the most each month.

Ask about it ifsomeone depends on your paycheck.

Mortgage protection

Could my family keep the house?

Life insurance sized to your mortgage balance and the years left on your loan, so your family has money to keep the house if you pass away.

  • The money goes to the people you name, not the bank. They decide how to use it.
  • Some policies let you use part of the benefit early if you're diagnosed with a terminal illness. I'll show you which ones before you apply.
  • This is different from PMI, which protects your lender, not your family.

Ask about it ifyou own a home or are buying one.

Final expense

Who pays for my funeral?

A smaller whole life policy, often under $25,000, meant to cover burial or cremation and other final bills, so your loved ones aren't left paying.

  • Most plans ask a short list of health questions. No medical exam.
  • Level plans pay the full benefit from the first day the policy is in force.
  • If your health history doesn't qualify for level, some plans have a waiting period before the full benefit pays. I'll explain this before you apply.

Ask about it ifyou want to plan ahead for your family.

At a glance
CoverageHow long it lastsTypical purposeApplying
Term lifeA set number of yearsUsually the most coverage for the lowest monthly costHealth questions. Larger amounts may need an exam or lab work
Middle-ground plansA set period, with options at the endCoverage now, with a way to get premiums back or keep a paid-up policy if you hold it to the endHealth questions. Larger amounts may need an exam or lab work
Whole lifeYour lifetime, while premiums are paidLifelong coverage that builds cash valueHealth questions. Larger amounts may need an exam or lab work
Mortgage protectionUsually matched to the years left on your loanHelp your family keep the homeSame as the life policy it's built on
Final expenseYour lifetime, while premiums are paidBurial, cremation, and final billsA short list of health questions. No exam

General information only. Plan names, features, prices, and eligibility depend on the insurance company, your age, your health, and your state. Approval is never guaranteed. Graded or modified benefit policies may limit the death benefit in the first two to three years. Terms vary by carrier.

P.05 · The WorksheetBuild your number

How much do you need?

Start with the need. Not a random number.

  1. Add the need

    What would your family have to cover without you?

    IncomeMortgageDebtsSchoolFinal costs

  2. Subtract resources

    What's already in place to help?

    Work coverageSavingsOther policies

  3. Choose what fits

    Compare a few coverage amounts and prices, then pick one you can comfortably keep paying. Some coverage you keep beats more coverage you drop.

    TypeAmountBudget

Let's build your number.

Build my Protection Blueprint (opens in a new tab)Talk with Jamel

Answer a few questions and get a one-page plan for your family to keep. Takes about 5 minutes.

Coverage and availability depend on age, health, carrier, and underwriting.

P.07 · LettersQuestions, answered

Bring these to our first call

Plain questions. Plain answers.

  • How much coverage does my family actually need?
  • I have coverage through work. Is that enough?
  • What would it take to protect our mortgage?
  • What will my health history mean for my options?
  • How do I plan for funeral costs so my kids don't have to?
Does it cost anything to talk with you?

No. Talking with me is free and there's no obligation. You only pay a premium if you apply, get approved, and accept a policy.

What's the difference between term and whole life?

Term life covers you for a set number of years and usually has lower premiums in the early years. Whole life is a type of permanent insurance meant to last your lifetime. It builds cash value, so it costs more at the start.

Neither is right for everyone. It depends on what you want the coverage to do.

I have life insurance through work. Do I need more?

Maybe. Coverage through work is often smaller than what a family needs, and it may end if you leave that job. We can look at what you have and see if there's a gap.

Will I need a medical exam?

Often not. Final expense plans and many smaller life policies use health questions and a check of your prescription and medical records instead of an exam. Larger amounts, especially at older ages, may need an exam, lab work, or doctor records. I'll tell you exactly what to expect before you apply.

What's the difference between a level and a graded plan?

A level plan pays the full benefit from the first day the policy is in force. A graded or waiting period plan is for people whose health history doesn't qualify for level. It may pay a reduced amount if death from natural causes happens in the first two or three years, then the full benefit after that.

Every company handles this differently. I'll always check for a level plan first and explain any waiting period before you apply.

Is mortgage protection the same as PMI?

No. PMI (private mortgage insurance) protects your lender if you stop paying your loan. The mortgage protection I offer is life insurance sized to your mortgage. It pays the people you name, not the bank, and they decide how to use it.

Can I use part of the benefit while I'm alive?

Some policies include a feature, at no extra cost, that lets you use part of the death benefit early if you're diagnosed with a terminal illness. Limits and rules vary by company. I'll point out which options include it.

How do I know you're licensed?

My Illinois license number and National Producer Number (NPN) are both 20464462. You can look me up with the Illinois Department of Insurance before you share anything personal. I'll also give you the number on our first call.

What should I have ready for our call?

A pen and paper, a list of the medications you take, the name of the person you'd want to receive the money, and a monthly amount that feels comfortable. If you apply, most people set up payments by automatic bank draft.

Does sending the form mean I'm covered?

No. The form only asks me to follow up with you. Coverage begins only after you apply, the carrier approves your application, and your policy is in force.