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Life FAQ

Life Insurance FAQs Library


What is Life Insurance?
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What is a policy’s “face amount?”
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What is a policy’s “death benefit?”
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What is a beneficiary and why is it important to designate one?
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What happens if my primary beneficiary dies?
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What is term Life Insurance?

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What is Permanent Life Insurance?
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Why do I need Life Insurance?
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Would there be sufficient money to cover all these expenses without requiring loans or, worse, driving your household to bankruptcy?
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My company provides automatic Life Insurance coverage as part of my benefits package. Do I need more coverage?
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My company offers additional Life Insurance coverage for a premium. Should I take out this coverage?
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What amount of Life Insurance coverage do I need?
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How many years of Life Insurance coverage do I need?
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How much should I expect to pay for Life Insurance?
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Is there anything I can do to make Life Insurance coverage for me and my family less expensive?
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I’ve heard there are certain tax advantages associated with Life Insurance. Is that true? What are they?
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I’ve already got some Life Insurance coverage. Why would I need more?

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Have those needs changed over the last year?
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My provider requires a medical exam to gauge my “insurability” before a policy can be issued. What is insurability?
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Who buy a Life Insurance Policy on my life?
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Is the beneficiary I name required to have an insurable interest?
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My agent told me that my permanent policy will be “fully paid up” when I turn 65. What does fully paid up mean?
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What becomes of the cash value after a policy is fully paid up?
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What is the current cash value of my policy?
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Who gets my policy’s cash value after I die?
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What is an accelerated death benefit? How does this type of benefits work?
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Will I need to take a medical exam to receive Life Insurance coverage?
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What are policy riders?
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Can I purchase a policy for my children?
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How long does approval take?
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How soon does the coverage start?
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