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Sep 13, 2024 · Life insurance is a financial safety net for loved ones if you die. Our guide will help you determine if life insurance is worth it for you.
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Are you required to do a physical exam?
Not necessarily. “It really depends on your age and the coverage amount you are applying for,” Roy says. Either way, you’ll likely be asked a lot of health questions, so that the insurer can better determine your level of risk, based on your habits, medical history and family medical history. Have that info ready and don’t be surprised when they ask.
What isn’t covered by life insurance?
Some causes of death, such as death by suicide within the first two years of signing your policy, may not be covered. Exclusions may also be made for certain high-risk activities, like extreme sports (think: rock climbing and parasailing). Finally, misrepresenting yourself or lying to your insurer will void your coverage.
Does age affect your insurance premiums?
Yes. The older you are, the sooner you are likely to pass away or encounter health problems. With that higher risk comes higher premiums. However, if you have term life insurance, your premiums are set for the duration of the term; it’s at the time of renewal that they may increase. And with certain permanent life insurance policies, your premiums remain the same for life—but this means paying more at a younger age.
So, do you really need life insurance? The answer, as we hope the above makes clear, is not a simple yes or no. A lot depends on your situation, financial obligations and goals—whether or not you have kids or a large mortgage, for example. You may not need life insurance if you are single, live a modest lifestyle and are good at saving. But in many...
Sep 17, 2024 · Life insurance is a contract between an insurance company and a policy owner in which the insurer guarantees to pay a sum of money to one or more named beneficiaries when the insured person...
Nov 5, 2024 · You may need life insurance if children or other people in your life rely on you financially. Here’s what you need to know.
Oct 16, 2023 · Why do you need life insurance? A life insurance policy works so that if you die while the policy is active, your beneficiaries will get a lump sum of money, tax-free. Your beneficiaries will be able to use the death benefit for whatever they need.
Nov 12, 2024 · Compare Quotes. Key Takeaways: Life insurance provides a financial safety net to your beneficiaries, business, or estate after you pass away, so it can be a good investment if you have a...
Jun 1, 2024 · Life insurance is one way you can provide financial support for loved ones after you die. When you open a policy, you will pay a regular premium – often monthly or annually – in...
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related to: Why do you need a life insurance policy?Educate Yourself On The Factors That Go Into The Cost Of Life Insurance. Use Our Insurance Needs Calculator To Find Out How Much Income Protection You Need.
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1216 Lexington Ave, Mansfield, OH · Directions · (419) 756-8777Life Insurance You Can Afford. No Medical Exam - Simple Application. No Waiting Period. No Medical Exam-Simple Application. As Low As $3.49 /Mo. No Waiting Period. Buy Direct.
