Frequently Asked Questions
What are the different types of life insurance?
Term Life Insurance: Covers you for a set period (10, 20, or 30 years).
Whole Life Insurance: Lifetime coverage with cash value that grows over time.
Universal Life Insurance: Flexible coverage with investment options.
What is the difference between term and whole life insurance?
Term life is more affordable and lasts for a specific time.
Whole life is permanent and builds cash value that you can borrow against.
Can I access my life insurance money while I’m alive?
Yes! If you have a policy with living benefits, you can withdraw funds in case of critical illness, disability, or terminal illness.
Whole life and universal life policies build cash value that you can borrow against.
Can I get life insurance if I have health conditions?
Yes! Even if you have diabetes, high blood pressure, or other conditions, there are policies available. Some no-exam or guaranteed issue policies may be best for you.
Do I need a medical exam?
No-exam is required and approval in most cases is instant issued.
How do my beneficiaries receive the death benefit?
Your loved ones will receive a tax-free lump sum payment after filing a claim with the insurance company.