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Life Insurance Common Questions and Answers
Does my health affect the price of my life insurance policy?
It depends on the type of life insurance policy.
We offer a Final Expense Life Insurance, which is guaranteed acceptance-no medical questions or health exam.
For our other products, your health does affect the price. Depending on your health status,
We will get you the best price for the kind of policy you need and your current situation. For example, there will be a difference in policies for someone who is a heavy smoker compared to someone who has never smoked.
Some companies charge a lot higher premium than others do for tobacco users.
(This is why we have so many companies!)
What are the benefits of permanent life insurance?
Permanent life insurance is protection for your entire life, as long as sufficient
premiums are paid. Properly structured and maintained permanent life insurance
builds equity in the form of cash value which you can use as you see fit.
There are many different options and flexible policies to choose from to suit various needs (whole, variable, and universal life, to name a few.)
What kinds of life insurance are there, and how do they differ?
The two main types of life insurance are term life insurance, which offers coverage that may be purchased for a specific time period, and permanent life insurance, which offers protection for an entire lifetime. We offer affordable term life insurance (On Instant Quote Tool!) and several types of permanent life
insurance, including whole life insurance, universal life insurance, variable universal life insurance, and survivorship life insurance.
(We can get you anything you need and the best rate from multiple Top Rated Companies)
How many years (term) should I choose for my policy?
It depends. The period of time you’ll need coverage for should be equal to the period of time your policy lasts. For example, if you have young children, you may want a 20 or 30 year term life so your children are covered for college or other future financial endeavors. On the other hand, if your children are out of
college and supporting themselves, a shorter term policy might suit your needs better.
(You are always welcomed to call and let us help you with that information. We have been helping people for over a decade!)
What are the benefits of term life insurance?
Term life insurance is life insurance coverage for a specific time period, typically between 10 and 30 years. Term life insurance is an affordable way to get
maximum coverage throughout that time frame, and so are great covering specific financial responsibilities, such as paying for a mortgage or saving for college expenses.
What are some basic life insurance terms I should know?
The policy owner is the person who owns the life insurance policy. In most cases, the policy owner is also the person who is insured by the policy. However,
the policy owner may also be a relative of the insured, a trust, partnership, or a corporation.
A beneficiary is the person(s) selected by the policy owner to receive the life insurance payments upon the death of the insured.
Premiums are the payments made to the insurance company to purchase and keep a policy active.
A death benefit is the amount paid to the beneficiary at the time of the death of the insured.
The face amount of the policy is the amount of the death benefit as stated in the policy. This does not include additional amounts that the policy may have
accumulated or how much cash value the policy has.
Insurability refers to how likely an applicant is to be offered coverage based on current health, medical background, family history and other factors.
How much life insurance do I need?
Consider what your spouse and dependents would need in order to cover day-to-day bills and larger expenses, to live comfortably and to have financial stability. Don't forget to include savings for college and retirement. Also consider the effect of inflation over time; the amount needed for college, say, twenty years from now is likely to be significantly higher than today.
Simply call us and we will help you. 1-877-793-4354
How can life insurance be more affordable?
To keep your premiums as low as possible and save money in the long run:
Buy it now.
Premiums for the same coverage increase the older you become. And the longer you wait, the more you risk developing a health condition that could increase your premium further, or make you uninsurable.
If you want permanent life but you're on a budget, consider some term for now.
You can save money initially by buying some term life in combination with permanent life. Then later, if your budget increases, consider converting the term policy to permanent life.
Consider group life insurance offered through your employer.
It may be available at a low cost. But keep in mind that your group coverage may end or become more expensive when you leave your job or as you get older.
What if I already have insurance coverage?
If you already have a life insurance policy, it's a good idea to review it every few years to make sure it still meets your needs. Check to make sure all
beneficiaries and other information are current.
You may need to calls us for an evaluation if you:
Were recently married or divorced
Have a child or grandchild who was recently born or adopted
Provide care or financial help to a child or parent
Need to provide assistance or long-term care for a loved one
Purchased a new home recently
Have children or grandchildren who are about to enter college
Refinanced your home mortgage in the past six months
Received an inheritance
Retired or your spouse has retired
Started a business
Again, we have been helping people for over a decade not only save money by getting the best rate,
but helped people save money by preventing them from becoming "Over Insured".
You may be pleasantly surprised just how much we can save you!
Call today for a no obligation Life Insurance Evaluation.