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FAQs
What is life insurance, and why do I need it?
Life insurance provides financial protection for your loved ones by paying a lump sum to your beneficiaries when you pass away. It helps cover expenses like mortgage payments, debts, funeral costs, and lost income.
How do I know how much coverage I need?
Consider your income, debts, future expenses (e.g., mortgage, college tuition), and funeral costs. A good rule of thumb is 10-12 times your annual income.
Can I have more than one life insurance policy?
Yes! Many people have multiple policies to cover different financial needs.
Can I name multiple beneficiaries?
Yes! You can designate multiple beneficiaries and specify what percentage of the payout each one receives.
Can I get life insurance if I have a pre-existing condition?
Yes! Some policies accept people with health conditions, though premiums may be higher. Guaranteed issue policies require no medical exam.
Can I customize my life insurance policy?
Yes! You can adjust coverage amounts, add riders, and choose beneficiaries based on your specific needs.