Frequently Asked Insurance Questions
Answers to the Questions Our Clients Ask Most
At D.R. Wolf Agency, we believe that no question is too small — especially when it comes to protecting your future. Whether you're brand new to insurance or just exploring your options, we’re here to simplify the process and give you real, honest answers.
Based in Erie, PA, we help individuals, families, and professionals navigate the world of insurance with clarity and confidence.
While tobacco use may affect your life insurance rates, you may still qualify for non smoker rates depending on the type and frequency of use. We work with carriers that understand the difference between a daily cigarette smoker and someone who occasionally enjoys a cigar.
Below are answers to some of our most frequently asked questions.
Common Insurance Questions We Hear
Do I Really Need Disability Insurance if I’m Young and Healthy?
Absolutely. Disability can happen at any age due to injury, illness, or unforeseen events. Disability insurance protects your income — and your independence — when you’re unable to work. Think of it as a financial safety net, especially if you're a high-income earner or self-employed.
Will My Tobacco Use Affect My Life Insurance Rates?
Yes, but that doesn’t mean you're uninsurable. At D.R. Wolf Agency, we work with carriers who understand real-life situations and offer competitive rates for tobacco users. We’ll help you find a policy that works for your lifestyle and budget.
How Much Coverage Do I Actually Need?
That depends on several factors — including your income, debt, dependents, and future goals. We walk you through a step-by-step needs assessment to calculate the right level of protection for you and your family.
Can I Still Get Insurance if I Have a Pre-Existing Condition?
Yes. While every situation is different, many insurance providers offer policies with reasonable terms for people with medical histories. We’ll help you find the most understanding and flexible carriers.
How Do I Know I’m Getting the Best Deal?
As an independent agency, D.R. Wolf Agency shops the market on your behalf. We’re not locked into one carrier, so we compare quotes from multiple providers to ensure you’re getting the best value — not just the cheapest rate.
Still Have Questions? Let’s talk.
Insurance doesn’t have to be confusing. We’re here to give you peace of mind — one question at a time. At D.R. Wolf Agency, we make the complex simple and the decisions easy.
Contact Us
Call us at 814-879-0942 or email ditermlifeguy@gmail.com to speak with someone who’s ready to help — not sell. We’re here to support you every step of the way.