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Life Insurance FAQ'S

Is There a Waiting Period?
Your policy is active when you make the first payment.

How Long of a Process is this? 
Depends.  It can take minutes or one month, depending on the life insurance company.


Does Life Insurance Require a Medical Exam?
Some companies yes, some no.  If you get a physical, the costs are covered by the insurance company, and will typically save around 30% off the premium.  Without a physical, the policy is issued faster and underwriting is not as strict.  On the other hand, if the physical uncovers more, the premiums will be more.

What is Better, Whole Life or Term?
It comes down to buying the right product for the right situation but term is normally a great start.
 

What Happens After The Level Term Period On My Policy? 

1.  You can renew your policy at higher rates.
2.  You can convert your policy into permanent policy usually till age 70.
3.  You can reapply again.
4.  You can cancel your policy anytime with no fees.
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