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Frequently Asked Questions
Common Questions Answered for your convenience.
Do I have to take a blood and urine exam?
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How long does it take to qualify for a life insurance policy?
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What type of life insurance is best for my family—term or whole life?
It depends on your needs and budget. Term life is affordable and covers a set period, like 10, 20, or 30 years, while whole life offers lifelong coverage with cash value accumulation but has higher premiums. Term is best for temporary needs, while whole life is better for long-term planning.
Premiums depend on age, health, lifestyle, the type and amount of coverage, and the length of the policy. Riskier factors, like smoking or high-risk hobbies, may increase premiums.
Yes, most policies allow riders for added benefits, like critical illness, accidental death, or waiver of premium. Riders add flexibility but may increase premiums. living benefits
Health plays a big role in determining eligibility and rates. Healthier applicants usually qualify for lower premiums, while pre-existing conditions may lead to higher rates or limited options.
Yes, many insurers offer policies for people with health conditions, though premiums may be higher. Guaranteed-issue policies may be available, but they typically come with waiting periods and lower coverage amounts.
A broker represents multiple insurers, offering a range of options to help you find the best policy for your needs. A direct provider represents only their products, limiting your options to what they offer.
Will my policy have a 2 year waiting period?
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How much life insurance coverage do I really need?
A general rule is 10-15 times your annual income, but this can vary based on debts, living expenses, education costs, and future needs. Calculators can help, or you can speak to an advisor for a personalized assessment.
How long should my life insurance policy last?
It depends on your financial goals. Term policies should cover you until major expenses, like mortgages or children’s college costs, are paid off. Whole life lasts your lifetime, so it can be ideal if you want lifelong coverage.
Generally, yes, but policies may have exclusions, like death by suicide within the first two years or death related to illegal activities. Accidental death riders provide additional coverage for accidental deaths.
When a term policy ends, coverage stops. Some policies allow renewal at higher premiums, while others offer a conversion option to switch to a permanent policy before the term ends.
Generally, no. Life insurance death benefits are typically tax-free for beneficiaries, though there may be exceptions with estate taxes or certain policy structures.
For term policies, premiums are fixed for the policy term but may increase if renewed. Whole life policies have fixed premiums, so they won’t increase over time.
It varies. Some policies are approved instantly, while others, especially those requiring a medical exam, may take several weeks for approval and issuance.
Look for providers with strong financial ratings from agencies like A.M. Best, S&P, or Moody’s. Customer reviews, the company’s history, and available products are also important factors.