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Term Life Insurance pays a death benefit if the insured person dies within the term of the policy. Plans may be “simplified issue” or “fully underwritten.” Simplified issue means that you don’t have to get a physical or have lab work done to apply for coverage. Your answers to a few health questions determine your eligibility. Fully underwritten plans require the completion of a physical and lab work before coverage may be issued. By going through the underwriting process, including a medical exam, you can qualify for additional premium discounts for providing evidence of good health.
- Helps provide for your family’s loss of income
- Covers short-term debts and needs
- Provides additional insurance protection during the child raising years
- Provides longer term protection to help pay off a mortgage, or to help pay for a college education
How to Choose the Best Life Insurance for Every Stage of Life
Life is about much more than nostalgic moments. While you may cherish those intimate times with family and big celebratory get-togethers, there are also the less talked about necessities, like paying bills and doing your…Read More
Do You Need Life Insurance for Teenagers?
For a parent, the goal of purchasing life insurance is to create financial protection for your family. A well-planned policy can help your family pay off debts and loans, pay down mortgages, and even contribute…Read More
