Questions people ask Cole

No. This is separate from your home, auto and farm policies, and nothing here changes them. Life insurance, retirement income (annuities), long-term care and disability coverage are offered through DAG Insurance, an independent insurance brokerage. When you book a call, you talk with Cole's partner team at Highpoint Insurance.

Someone on Cole's partner team at Highpoint Insurance. They can shop coverage from more than one insurance company through DAG Insurance. They go over your number with you, answer your questions, and you decide what happens next. You pick the time.

No. They show an estimate of your gap in today's dollars, the math behind it, and where each default number comes from. They don't quote a price, recommend a product, or say whether you'd qualify for coverage. For real prices, book a call with Cole's partner team.

Start with what your family would need: your income for the years they'd depend on it, the mortgage, other debts, college, and final expenses. Then subtract the life insurance you already have, including coverage through work. A common rule of thumb from Life Happens is 10 to 15 times your income, plus $100,000 per child for college. The life calculator does this math with your numbers.

In 2025, the middle cost of a shared room in an Oklahoma nursing home was $84,315 a year, and a private room was $93,075. Assisted living was $73,800 a year, and full-time help at home (44 hours a week) was $75,504. That's from the CareScout Cost of Care Survey 2025. Costs in your town may be higher or lower.

Not for most of it. The U.S. Department of Health and Human Services says Medicare doesn't cover most long-term care costs. The care calculator shows what care would cost in your state and how long your savings would cover it. For Medicaid questions, talk with an elder law attorney.

When someone applies for Medicaid to pay for long-term care, Medicaid looks back 5 years at money and property they gave away. That's federal law. Cole's partner team doesn't give Medicaid advice. For planning around the look-back, talk with an elder law attorney.

Many plans wait about 3 months, or 90 days, before they start paying, according to the Council for Disability Awareness. During that time your bills come out of savings. Many work plans pay about 60 percent of your pay before taxes. Check your own plan for its waiting period and amount.

One research estimate from Morningstar (December 2025) put a starting withdrawal of about 3.9 percent a year, raised for inflation after that, at about a 90 percent chance of lasting a 30-year retirement. It's an estimate, not advice, and a longer retirement may need less. The retirement calculator shows what it means for your numbers.

Only if you ask. Running a calculator doesn't sign you up for calls. You can book a call, ask for your number by email, or do nothing. Calls and texts only happen if you check the box that says we can, and you can reply STOP to any text.