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Life insurance is based on 3 factors Age Health Amount and type of coverage

Life insurance comes in two basic forms: Whole Life – The insured person is covered until they reach a specific age. If the insured person doesn’t use the coverage, they are paid the face value of the coverage. Term Life- The insured person is covered for a specific amount of time.

We want to be your agent for life, and since life happens, we are here for you! It doesn’t matter if you have gotten married, had children, bought or upgraded a home, we are here to meet your needs. We provide a free annual risk assessment to ensure your coverage meets your unique needs.

erm life insurance provides coverage for a specified term (e.g., 10, 20, or 30 years) and is often more affordable. Permanent life insurance, on the other hand, offers lifetime coverage and includes a cash value component that can grow over time. Choosing between the two depends on your financial goals, budget, and coverage needs. Term insurance is often chosen for temporary needs, while permanent insurance can be a long-term financial planning tool.

Yes, it's possible to secure life insurance even if you have pre-existing health conditions. Insurance companies offer different policies with varying underwriting guidelines. While you may pay higher premiums or have some restrictions, it's essential to be transparent about your medical history when applying for coverage. Working with an experienced agent can help you find insurance options that suit your health situation.

A beneficiary is the person or entity you designate to receive the death benefit when you pass away. It's crucial to choose your beneficiaries carefully and keep your policy updated to reflect your current wishes. Beneficiaries can be family members, friends, charities, or even a trust. You can name primary and contingent beneficiaries, specifying how the death benefit should be distributed.

Filing a life insurance claim typically involves these steps: Notify the Insurance Company: Contact your insurance provider as soon as possible after the insured's death. Complete Claim Forms: The insurer will provide claim forms that you need to fill out. These forms may require information about the deceased, the policy, and the cause of death. Submit Necessary Documents: Along with the claim forms, you may need to provide a copy of the death certificate and any other documents requested by the insurer. Wait for Processing: The insurance company will review your claim and may conduct an investigation if necessary. Receive the Benefit: Once the claim is approved, the insurance company will disburse the death benefit to the designated beneficiary or beneficiaries. Being well-informed about the claims process can help your loved ones navigate it smoothly during a challenging time.