Life insurance questions

Top 5 Questions to Ask a Life Insurance Company

When looking to buy life insurance, how do you choose a company? Start by asking the right questions. Selecting a financial partner requires careful consideration and is especially true when you purchase a product with a long-term obligation such as life insurance. You want to feel confident that the company you choose can provide the security, experience and professionalism required to meet your needs. Following are a few questions to take into account: 1. Is the company financially sound? Look for a company that has demonstrated financial strength as judged by major rating agencies such as AM Best, S&P 500, Weiss and Moody’s. This is important because the financial ratings reflect the...

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Term Life vs. Whole Life? 10 Life Insurance Questions To Ask, Quotacy

Answers to 20 Life Insurance Questions (Maybe) You’re Too Shy To Ask If you’ve decided to get life insurance, choosing between term life vs. whole life is a matter of knowing which questions to ask. Of course, as the saying goes—you don’t know what you don’t know. So, we’ve taken the liberty of answering the 20 most frequently asked questions about term life vs. whole life that you might ask before getting a quote for your insurance policy. 1. Term life vs. whole life? Is there really a difference? Yes, there is a difference—the biggest being how long your coverage lasts. Term life insurance provides coverage for a specific time period (a term)—usually in increments of 10, 15, 20, 25...

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Common Life Insurance Questions for Small Businesses

You may not think life insurance and business insurance are related, but they are. Most small business owners (SBOs) carry a general commercial policy to protect against routine business risks – fire, employee theft, business interruption coverage, business liability and other protections against risk. Having a life insurance policy can protect the company against the sudden passing of a business owner or key employee. Why is life insurance on SBOs (and top level management) so important? It can help keep your business operational while the company adjusts to a new manager, or even a new owner. Life insurance takes care of families when the breadwinner passes on, but a life insurance...

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Common Questions, AIG Life Insurance

Common Questions What is Guaranteed Issue Whole Life Insurance? Guaranteed Issue Whole Life Insurance is a permanent life insurance policy that can help your family members pay for unforeseen costs such as funeral and burial expenses, unpaid medical bills, co-signed credit card debt, and other financial burdens. How much coverage is available? Coverage amounts ranging from $5,000 up to $25,000 are available. The maximum amount of Guaranteed Issue Whole Life Insurance coverage in all policies that an individual can have from American General Life is $25,000. What living benefits are included? American General Life provides two different living benefits with this policy: a Chronic Illness...

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Life Insurance Policy - The Five Most Important Questions In 2018

More than a third (35%) of U.S. households would feel a financial pinch within a month if the primary wage earner died, a new study finds. For September, National Life Insurance Awareness Month, I have Financial Security Expert Pamela Yellen, a two-time New York Times bestselling author, with important information on how to plan for the future from her consumer-friendly guide to life insurance policy tips. Consumer-Friendly Guide to Life Insurance Is there any reason I should consider owning a life insurance policy, other than for the death benefit? Many people own life insurance for other reasons. Do any of those reasons apply to you? When will my need for life insurance end? The answer to...

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Life Insurance Frequently Asked Questions, Human Resources University of Michigan

Life Insurance Frequently Asked Questions If I become ineligible to participate in the University Plan or Optional Plan, do I lose my life insurance? You do not lose your life insurance entirely if you become ineligible. Your insurance will terminate if: You become ineligible for the insurance; You discontinue your contributions; Your employment terminates; or Either the University Plan or the Optional Plan is terminated by the university. However, if your coverage terminates for any reason, your University Plan and Optional Plan life insurance benefits will be paid in the event your death occurs during the next 31 days after one of the events above or during the remainder of the period...

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5 Frequently Asked Life Insurance Questions

Five Frequently Asked Life Insurance Questions Because September is Life Insurance Awareness Month, we are utilizing our August Q&A to answer frequently asked insurance questions. As you recognize Life Insurance Awareness Month, consider reviewing your policies with your wealth advisor by providing them copies of existing policies, the reasons they were purchased, and who they should call in the event of your death. Finally, consider storing copies of your active policies in a secure location, such as a secure online vault and make sure that your family knows who to contact. Question #1: How often should I review my existing policies? Answer: You should review your policy anytime you...

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Your life insurance questions answered, Haven Life

Life insurance can be difficult to understand… We get it and can commiserate with you. Many members of our team went through the researching and buying process long before Haven Life came along. Which means we’ve been there, done that and can help you navigate the life insurance landscape to make a confident and informed decision of your own. Below, a few of the most common question we get from customers (along with our candid answers). Does term life insurance go up every year? Most term life insurance policies don’t go up in cost every year. One type that does is an “annually renewable” term life insurance policy. The premium in an annually renewable policy starts out inexpensive (...

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Universal Life Insurance, Frequently Asked Questions

Universal Life Insurance | FAQ Universal life insurance is a type of permanent life insurance, typically suited to high net worth individuals who need a high value life insurance policy. Universal life insurance is a hybrid type of insurance policy that combines whole of life insurance and a cash value account. You pay a premium to the life insurance company with a portion of this premium going towards the cost of the life cover and the remainder invested by the insurance company, with the aim of growing the cash value of your policy over time. What is Universal Life Insurance used for? Universal life insurance is used by high net worth individuals to provide a high cash lump sum upon their...

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Five Key Questions To Ask When Looking For Life insurance, Empire Life

In this Consent, "Empire Life" means The Empire Life Insurance Company and "Personal Information" means your contact information and any other personal information you provide to Empire Life so an insurance advisor can help you with your life insurance needs. By clicking "I agree" you are indicating you understand and agree with all of the following statements: I consent to Empire Life sharing my Personal Information with the advisor I select or, if I agree, with an advisor selected by Empire Life (the “selected advisor”) so he or she can contact me by email or telephone to help me with my life insurance needs; I consent to my Personal Information being sent to the Advisor by encrypted...

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