How WEDOIT Works
We educate before we sell. Whether you're protecting a young family, planning for retirement, or just trying to understand a policy you already have, the process is the same: four simple steps, at your pace, with no pressure.
01 Tell Us About the Goal
Every family is different, so we start by listening. In a free conversation, usually by phone or video, we'll ask about what matters to you:
- Who depends on you, and what they would need
- Your income, debts, mortgage, and any coverage you already have, including through work
- Your budget and your timeline
- What worries you most, whether that's a loss, a serious illness, or retirement
You share only what you're comfortable sharing. There's no cost and no obligation.
Why this step matters: Good options start with a clear picture of your goal, not with a product.
02 Explore Available Options
Next, we explain the options that may fit, in plain language. That can include term life, whole life, indexed universal life, final expense coverage, living benefits, or fixed and fixed indexed annuities. We'll cover what each one does, what it costs, and its limits.
Options depend on your state, your health, and underwriting. Availability varies by state and carrier.
Why this step matters: You deserve to see the trade-offs, not just the highlights. You can also browse the Learning Center anytime.
03 Choose With Confidence
The decision is always yours. Take the time you need, ask every question, and talk it over with the people you trust. If you decide to apply, we'll help you complete the application and walk you through underwriting, which may include health questions, records, or an exam depending on the policy.
The insurance company makes the final decision on approval and price. When a policy is issued, we'll review it with you. Most states give you a "free look" period after delivery to review the policy and cancel if it isn't right. The length varies by state and policy.
For tax or legal questions, such as how a policy fits with a will or trust, consult a tax or legal professional.
Why this step matters: A policy only helps if you understand it and can comfortably keep it.
04 Stay Connected
Life changes, and your coverage should keep up. We encourage a review:
- After a marriage, divorce, new baby, or new home
- When your income or debts change
- When you retire or change employers
- At least once a year for policies with flexible features, such as IUL
We'll help you check beneficiaries, review annual statements, and answer questions when they come up. If a family member ever needs help filing a claim, we'll help them know where to start.
Why this step matters: Coverage set up years ago may not fit the family you have today.
Learn with us every Thursday
Every Thursday at 7 PM Mountain Time, Joel hosts a free educational presentation on Zoom. Reserve your free seat at /event-list, and the Zoom link will arrive in your confirmation email.
What you can expect from us
- Honest explanations, including costs and limits
- No pressure, ever
- Respect for your time and your budget
- A licensed agent who puts your family's needs first
WEDOIT education, led by Dr. Joel M Tchafack, PharmD, a pharmacist and licensed life insurance agent in NM, CO, MD, NC, SC, TN, TX, VA and WY (NPN 19623090). We can offer insurance only in states where Joel is licensed. WEDOIT LLC, Carlsbad, New Mexico · 575-266-3119 · info@wedoitinsurance.com
This content is for education only and isn't tax, legal, or investment advice. Availability varies by state and carrier. Coverage is subject to underwriting and policy terms. "PharmD" refers to a pharmacy doctorate, not a medical, legal, tax, or financial-planning credential.