The questions people actually ask, answered straight.
Free calculators, plain-language courses and a community for protecting your family, your home and your future, and growing your savings tax-free, all from one licensed, independent broker.
What is LifetimePlan?
A free set of calculators and a free membership built around three things families put off: protecting the house, covering a funeral, and giving the kids a head start. Behind it is Alek Sarkis, who compares options across several carriers so you do not have to.
Which calculator should I start with?
If you have a mortgage and someone depends on your income, start with Keep the House. If you are over 50 and thinking about not leaving the kids a bill, start with Cover the Goodbye. If you want to set a child up for life with a small monthly amount, start with Kids Head Start. Members can run all three.
Do I need to give my email to see the number?
No. Every calculator shows the result on the page. Joining is only needed to save it, track it, use the member tools and message your adviser.
Is this a quote?
No. The calculators show the amount your family would need and the months of runway, from the numbers you enter. A quote comes from a carrier after health questions. Alek Sarkis requests real quotes across several carriers on your free call.
Is membership really free?
Yes. No card, no trial, no fee. The dashboard, the community, the tools, the courses and the strategy call are all free. If you decide to start a policy, that is a separate choice you make with your adviser.
What is the Family Ready Score?
A 0 to 100 score inside the membership. Ten questions about coverage, beneficiaries, wishes and paperwork. It only goes up as you finish things, and it tells you the next three moves. Levels run Aware, Prepared, Protected, Secured and Legacy.
Which states do you serve?
Alek Sarkis is licensed in California. If you live somewhere else, join anyway, use the tools, and you will be pointed to a licensed agent for your state.
How do I talk to a real person?
Join free and request a call from your dashboard, call or text (818) 254-7227, or email alek@lionsinsurance.com. Calls are 30 minutes, free, with no obligation.
Is LifetimePlan actually free to use?
Yes. The calculator, the free membership, the courses, the tools and the community cost nothing. There is no card on file and no trial that converts to a paid plan. The only paid service is the one you choose, like a specific insurance policy, and there is no obligation.
How much does life insurance actually cost?
It depends on your age, health class, coverage amount and the length of the term, so there is no single answer. The calculator gives a planning estimate for a healthy applicant in their 30s to 40s. A real quote takes about 10 minutes on the free strategy session, and there is no obligation to buy anything.
How does the calculator actually work?
You pick a path, protect my family or grow tax-free, then set a monthly number and a number of years. For protection, it multiplies your monthly income by 12 and by the years to get a coverage target, then estimates a monthly cost. For growth, it compounds your monthly amount at an assumed rate. Both are estimates, not quotes.
Is LifetimePlan right for me if I already have some coverage?
Yes, and it is often more useful then, because you can compare what you already have against the number the calculator gives you and see the gap, if any. It is not the right fit if you are looking for investment advice or a guaranteed return, since LifetimePlan offers insurance and tax preparation, not securities.
What is the difference between term life, whole life and final expense?
Term life covers you for a set number of years at the lowest cost, and is usually the right fit for income replacement while a mortgage or kids are in the picture. Whole life lasts your whole life and builds cash value at a higher cost. Final expense is a smaller, easier-to-qualify-for policy meant to cover funeral and end-of-life costs, not to replace income.
What is an IUL and how is it different from a 401(k)?
An indexed universal life policy is life insurance with cash value that can grow based on an index like the S&P 500, with a floor so you do not lose value in a down year and a cap that limits the upside. A 401(k) is a retirement account invested directly in the market, with no floor and no cap, and withdrawals are taxed as ordinary income. Loans and withdrawals from a well-funded IUL are generally not taxed while the policy stays in force.
What happens after I use the calculator?
You can see your number without giving any information. If you join free, your number is saved to a dashboard you can track, and you get access to the courses, tools and community. From there, you can message Alek Sarkis or book the free 15-minute strategy call whenever you want, with no pressure to do either.
How do I reach a real person?
Call or text (818) 254-7227, email alek@lionsinsurance.com, or book the free 15-minute strategy call from your free member dashboard once you join.
What states does LifetimePlan serve?
Alek Sarkis works with clients in California. Ask on your call whether an in-person meeting is available where you live.
Will using the calculator sign me up for anything?
No. Seeing your number does not create an account, does not sign you up for insurance, and does not submit any application. Joining the free membership only creates a member account. Nothing is purchased or applied for without a separate conversation and your explicit sign off.
How much life insurance do I actually need?
A common starting point is enough to replace your income for as long as your family would need it, plus anything that pays off the mortgage. The calculator's protection path does exactly this math using your monthly income and a number of years you choose.
Is the growth in an IUL or annuity actually guaranteed?
No. The growth number is a hypothetical projection based on an assumed crediting rate, and actual results depend on the index's performance, the specific policy's caps, floors and participation rates, which are set by the carrier and can change. No product or carrier is named or guaranteed by this calculator.
What is mortgage protection insurance and do I need a separate policy for it?
Mortgage protection insurance is a type of life or disability coverage designed specifically to pay off or pay down a mortgage if you die or become disabled. It can be a standalone policy or accomplished with a properly sized term life policy, which is often less expensive for the same protection.
What is final expense insurance?
Final expense insurance is a smaller whole life policy, usually $5,000 to $25,000, meant to cover funeral costs, medical bills and other end-of-life expenses without leaving that burden to your family. It is generally easier to qualify for than larger policies, including for older applicants.
Can I run the numbers for someone else, like a parent or a spouse?
Yes. Nothing in the calculator requires the plan to be about you personally. Many members run a number for a spouse's income or a parent's final expense costs and save it to compare later.
How is LifetimePlan different from an insurance comparison website?
Comparison sites collect your information and sell it to multiple agents who then call you. LifetimePlan is one independent team, so you get one relationship and one point of contact, not a flood of calls.
Do you offer annuities and fixed indexed annuities too?
Yes. Annuities and fixed indexed annuities are part of Alek Sarkis's insurance offerings, alongside life insurance and IUL. The growth path in this calculator applies the same honest, floor-and-cap style math whether the eventual product is an IUL or an annuity.
What is the free 15-minute strategy call actually like?
It is a conversation about your specific situation, your calculator number if you have one, and what options exist. No product is presented and no application is opened unless you ask for one. You can book it from your free member dashboard once you join, or request one from the intake form.
How is my information kept private?
Your calculator answers and any information you submit are used to respond to you and, if you consent, to follow up about your request. Details are in the
privacy policy. LifetimePlan does not sell your information to other agents or brokers.
Do I need good health to qualify for life insurance?
Good health generally lowers your cost, but it is not required to get coverage. Simplified issue and guaranteed issue policies exist for people with health conditions, and final expense policies in particular are built to be accessible for older applicants and common conditions.
What happens to my saved number if I do not join right away?
If you save a plan without joining, you get a private link to come back to. If you never save it or return, nothing is kept beyond what was needed to show you the result on screen that day.
Can I change my answers after I see my number?
Yes, at any time. Selecting adjust my answers reopens the calculator with your previous choices in place, and running a new number never overwrites a plan you already saved unless you choose to update it.
