Life insurance questions

5 Questions to Ask Before You Buy a Life Insurance Policy - NerdWallet

Life insurance policies are their own special breed. Unlike car or homeowners insurance policies, they don’t come up for renewal each year, so when you buy one, you’re typically making a long-term commitment of 10, 20 or even 30 years. That’s why it’s important to do your research before you buy life insurance, and that includes asking your insurance agent the right questions. Start with these five if you’re in the market for life insurance. How will you determine the amount of insurance I need? Although you may have heard different “rules of thumb” about how much life insurance you need — for example, 10 times your annual income — the death benefit that’s right for you is a very individual...

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Five Key Questions to Ask Your Life Insurance Agent - Low Cost Life Insurance

Five Key Questions to Ask Your Life Insurance Agent Everyone should have life insurance at some point in their life. Unfortunately, simply resolving to purchase a life insurance policy isn’t enough to take care of your loved ones if you suddenly pass away. You have to follow through with this decision by doing some preliminary research – and you have to ensure that you keep up with the parameters of your policy as you age. Today, we’re discussing the importance of re-evaluating your existing life insurance policy and how you can help optimize it for your current needs. Let’s dive in! To help, we have assembled some important talking points you will want to discuss...

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Seguro De Vida Para Personas Mayores – 5 Preguntas Que Todos Deben Hacer, Lincoln Heritage Life Insurance Company®

El seguro de vida es una de las formas más confiables de velar por los intereses de sus seres queridos una vez que haya fallecido. Pero decidir qué póliza es la adecuada para usted puede ser un desafío.¿Qué tipo de seguro de vida debería tener? ¿Cuánto es suficiente? ¿Cuál es el mejor tipo de seguro para su situación? El seguro de vida para personas mayores es diferente de una compañía a otra. La siguiente lista puede ayudarle a encontrar una póliza adecuada para usted. 1. ¿Necesita usted un seguro de vida? Lo primero que tiene que determinar es si un seguro de vida es lo adecuado para usted. Pregúntese: ”¿Hay alguien que dependa de mí financieramente?” Piense en su cónyuge, hijos, nietos,...

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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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