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Frequently Asked Questions

Do I need life insurance? 

If you have a family that depends on your income, the answer would be yes. Life insurance in its simplest form is designed to replace your income at some level. Life insurance is used in many ways; however, the majority of life insurance is bought to financially support your surviving family members.  

How can I save money when buying life insurance? 

Today, Life insurance companies compete for your policy. So, yes you can work with a life insurance brokerage company that will shop for you, in essence trying to find you the best company for the best price. Each Life Insurance company has a cost per thousand based on your underwriting criteria (Your age, male/female, health status, height/weight). Living a healthy lifestyle could have a significant impact on cost. 

How does the insurance company determine my premium? 

Each Life Insurance company and their actuary departments have schedules for life insurance. There is a cost per thousand based on your personal underwriting information. 

What is a permanent policy? 

Unlike Term Life Insurance which comes in 10,15, 20, and 30-year increments, permanent Life Insurance is designed to last your entire life. Another way to say it, it is designed to be there to pay your beneficiaries when you pass, whenever that 85, 90, even 106 years old.  

Once I buy the policy, will I even need to change my insurance coverage? 

Getting married, having children, making more money, buying a bigger house, taking on more debt are indicators that would trigger an increase in coverage. 

How much coverage do I need? 

Most insurance planners and insurance companies recommend 7 to 10 times your annual income. 

What type of life insurance do I need? 

There are many different types of life insurance policies and many designs to accommodate the consumer today. Term insurance is a popular choice because it is cost effective. However, for those with insurance needs or wants for lifetime coverage, whole life, indexed life, and variable life provide excellent solutions for the consumer. 

Do I need a medical exam? 

Technological advancements and innovation have had a tremendous impact in the Life Insurance business. These insurance companies have a lot more information on us than you know. Good or bad, they have it and that has made the underwriting process streamlined and efficient. No medical exam, no phone calls, the entire process is done with electronic applications. Now, only certain applicants qualify for this. A general rule, you must be under 60 and applying for $1,000,000 or less of death benefit.  

Does it cover only if I die? 

Life Insurance companies continue to manufacture new products. One of the more recent advancements is the addition of a “Chronic Illness rider”. Each company has a different rider but in general, you would be able to access your death benefit while you were living if you had a chronic health issue and would not be able to perform activities of daily living(ADL’s). These living benefits are new and are riders on your policy. 

Who can be the beneficiary? 

Beneficiaries are usually close family members, business partners or banks for debt obligations but the key here is that there is a reasonable link to you as the insured and owner of the policy. 

How would my beneficiary get the money? 

In general Life insurance proceeds go to the designated beneficiary or beneficiaries’ tax-free. After death, and proof of death, the insurance companies usually will wire or send a check to your beneficiaries.

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