Forthview Financial Group -

Joseph ‘Troy’ Whedbee
Licensed Broker & Underwriter
Contact: 561.285.1980
NPN# 1977772
FL. License: W710849

Insurance Made Simple.

Straight Talk. Real Options. Most people don’t have the time—or patience—to compare a dozen insurance companies, and they shouldn’t have to. I shop top carriers for you to find the right fit with better rates, better benefits, and clear answers so you always know exactly what you’re getting.

Easy

Getting covered shouldn’t be a hassle. I take the guesswork out. In under a minute, I search top companies to find what actually works for you – not some generic quote. Real results, real fast.

Affordable

Your budget comes first. I start with what you’re comfortable spending, then find the best coverage to match. No upselling, no pressure. Just a plan that works – because the best policy is one you can actually keep.

I’ve Got Your Back

Coverage is just the start. I’m here for the long haul – policy support, help when it matters. Most people don’t realize only the original agent can handle a death claim. If that moment comes, I’ll walk your family through every step.

How it works:

Get coverage for your home in 3 easy steps:

01. Start with a few quick questions.

Takes about 10 minutes – age, health, mortgage details, existing coverage. Just enough so I can see what you qualify for. No medical exams, just basic health and lifestyle stuff.

02. See your pre-qualified options.

I’ll compare offers from top carriers based on your info. We’ll look at a few solid options together and pick one that protects your family and fits your budget. Zero pressure.

03. Apply for coverage when you’re ready.

Like one of the options? I’ll help you apply for coverage with the carrier. Once you get approved—which typically takes 1-3 days—you’ll receive your policy along with 30 days to review everything risk-free.

Only the Best Carriers. One Simple Process. Zero Guesswork.

Access to 25+ top life insurance companies – all in one spot. No shopping around, no pricing games. You pay the same rates as going direct, but with expert guidance and options built around you.

What to expect when we meet:

What info should I have ready?

To make this quick and easy:
• Driver’s license
• Social Security number
• Medical history (major stuff, past procedures)
• Current prescriptions
• Your doctor’s name and number

Why do you need this info?

Your license and Social Security number help verify your identity—preventing fraud and speeding up approval. Your medical history and prescriptions give the carrier a clear health picture, so you can skip the medical exam in most cases. Everything stays secure and completely private.

Is my information kept confidential?

Absolutely—your information stays 100% private.
I only share your application with the insurance company you choose to apply with. I’m licensed and legally required to protect your information. All data is encrypted using industry-standard security. Your information is never sold, shared with third parties, or exposed.

What questions will you ask me?

Expect questions about:

• Your health
• Legal and driving history
• Prescription
• Job and income
• Lifestyle and hobbies
• Drug/alcohol use

Will I need a medical exam?

Usually no—just health questions. If you’re applying for high coverage (typically $1 million+), they might request a quick health check. It’s free and convenient—a licensed examiner comes to you, checks your height, weight, and blood pressure, plus takes a small blood and urine sample. The whole process takes about 20-30 minutes.

How long will our appointment take today?

About 15-25 minutes. We’ll go through some quick questions, look at your options, and see if there’s a good fit. Got questions? I’ll answer them all. No pressure and nothing to pay today.

Alex P.

Hey Troy, that was way easier than I thought it’d be. Last time I got insurance it felt like pulling teeth, but you made it simple. Thanks for walking me through everything – definitely not what I expected!

Tina B.

Troy thanks for keeping it quick today. 20 minutes and done – exactly what you said. Appreciate you not dragging it out with a bunch of sales stuff.

Andrew K.

Troy really came through when I thought nobody could help. Had some issues and figured I was screwed after my last experience with insurance companies. But Troy kept his word – found me coverage and took care of my family like he promised. If you need life insurance, Troy’s your guy. Already told my friends to call.

Antonio & Blanca C.

Just had my first good experience with insurance shopping. Troy took care of mortgage insurance and also saved me $60 a month on my life insurance with better coverage. My wife thinks he’s a magician. This was the simplest and easiest insurance I’ve ever bought – old insurance companies need to step into the current century! Troy gets it.

Rosa D.

Troy – thank you so much for helping us get through this. I was expecting a fight with the Insurance but having you in our corner made all the difference. This went better than I thought it would go. Thanks for being there for us.

What to expect after you apply:

What happens after I apply?

Once we submit everything, underwriters review your information and make their decision. Most approvals take 1-3 days, though some happen same-day when everything’s straightforward.

Need more info? They might ask a few follow-up questions or, in rare cases, request a medical exam. If that happens, I’ll walk you through the entire process.

First carrier says no? No problem—we’ll pivot to one of your backup options. You won’t have to start over.

Once you’re approved, I’ll reach out to confirm all the details. Sometimes approvals come with adjustments—a lower coverage amount or a slightly different rate. You’ll see the exact offer before anything moves forward. Nothing happens without your approval.
Like the terms? We’ll confirm everything and get your policy issued.

What if my application gets declined?

No problem—we’ll pivot to one of the backup options you’re already qualified for. You won’t have to start over, and I’ll guide you through the next steps to keep everything moving smoothly.

What payment methods are accepted?

Most companies accept bank transfer (ACH)—a secure auto-withdrawal from your checking account, just like your mortgage payment. This keeps your coverage active even if credit cards expire or get lost. It’s the most reliable way to protect your policy.

Can I cancel or change my mind later?

You can pull your application anytime before approval—no penalties, no fees. Once you’re approved, you get 30 days to review everything, make changes, or cancel for a full refund. You’re always in control.

How long does approval take?

Some applications get approved instantly. Most take 1-3 business days, depending on how quickly they receive any additional information. If they need anything extra, I’ll help speed things along.

What if I’m approved with different terms?

You’ll see the exact offer before anything happens. Nothing moves forward without your approval. Like the new terms? We’ll confirm everything and get your policy issued.

Mortgage Protection 101:

Does this cover both me and my spouse?

Absolutely. Each person applies separately based on their age and health, but we’ll look at all your options together—whether that’s a shared plan or separate policies, whatever works best for your situation.

Will this affect my credit score?

Nope. Some carriers might do a soft credit check for identity verification on larger policies, but it won’t impact your score at all.

How does this insurance actually work?

Simple—it pays your family a lump sum if you pass away, so they can cover the mortgage and keep the house. Some plans also include disability or job loss benefits. It’s life insurance designed specifically to protect your home.

Why get this if I have Homeowners or PMI?

PMI and homeowners insurance protect the lender and the property—not your family. Mortgage protection pays your loved ones directly so they don’t lose the house. It protects people, not banks.

Is mortgage protection required by my lender?

No. Lenders require PMI, which protects them. Mortgage protection is optional coverage that ensures your family keeps the home no matter what. It’s peace of mind, not a requirement.

How is this different from regular life insurance?

Most people have some life insurance, but it’s often too little, tied to their job, or not enough to cover the full mortgage. This is designed specifically to pay off the loan so your family isn’t caught off guard.

What is a replacement policy?

It’s new life insurance that replaces your existing coverage—usually because the original policy doesn’t meet your needs anymore. I’ll help you see if we can improve your current coverage or cost with something better.

Is work life insurance enough?

Work coverage is nice, but it ends when you leave and typically only pays 1-2 years of salary. That’s often not enough to protect the home or give your family real time to recover. This fills that gap.

How much coverage could I get

Anywhere from 10% up to your full mortgage amount—it depends on your age, health, and what you qualify for. I’ll show you what’s available and help you find the carriers that fit your needs and budget.

How would a payout work?

If you pass away, the insurance pays your beneficiary a lump sum. They can use it for the mortgage, bills, or whatever they need. No restrictions.

What if I refinance or move homes?

Most policies follow you, not the loan. If you move or refinance, you can keep the same policy or adjust it as needed. I’ll help you make any changes so your coverage always fits.

What type of mortgage solutions do you offer?

Term life insurance for your early homeownership years
Term life insurance offers customizable short-term and mid-term protection—giving you maximum coverage when your mortgage balance is highest and you need it most.

Long-term insurance for the full length of your mortgage
81% of adults agree that buying a home is the best long-term investment in the U.S. That’s why the mortgage protection solutions I offer include long-term options like whole life insurance or universal life insurance. These provide lifelong coverage and build cash value you can tap into for major expenses as your protection needs change over time.