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Frequently Asked Questions
Common Questions Answered for your convenience.
Why do I need life insurance?
Life insurance provides financial protection for your loved ones in case something happens to you. It helps cover expenses like mortgage payments, debts, children’s education, and daily living costs—giving your family peace of mind and stability when they need it most.
How much life insurance coverage do I really need?
A good rule of thumb is 10–15 times your annual income, but the right amount depends on your personal situation—such as your income, debts, lifestyle, and number of dependents. A licensed agent can help calculate the best coverage for your needs.
What’s the difference between term and whole life insurance?
Term Life Insurance covers you for a specific period (10, 20, or 30 years) and is generally more affordable.
Whole Life Insurance lasts your entire life and builds cash value over time, which you can borrow against or use later in life. Each has pros and cons depending on your goals.
Is life insurance expensive?
Life insurance can be very affordable, especially if you’re young and healthy. Many people are surprised to find they can get coverage for less than the cost of a daily cup of coffee. The sooner you get started, the lower your rates may be.
Can I get life insurance if I have a medical condition?
Yes. While certain conditions may affect your premium or options, many companies offer policies tailored for people with health issues. In some cases, you may even qualify for no medical exam or simplified issue policies.
What happens if I outlive my term life policy?
If you outlive the term, your coverage ends, but many policies offer options to renew, convert to permanent life, or buy a new policy. It’s important to review your needs before your term ends so you’re not left uninsured.