Frequently Asked Questions
Have you ever had any of these questions about your insurance? Click on the questions for our answers!
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When is policy replacement beneficial, and when can it be a mistake? |
I don’t pay any more premiums, why should I review my policies? |
I have many policies, from different companies, and the agents call and just want to offer me their brand of insurance! |
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I don’t have time to analyze all the different updates in the insurance industry. How can I find an unbiased resource? – |
I have heard about a next generation of “NO-LAPSE” Life Insurance policies, which cover you past age 100. How does that work? |
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Can insurance protect my business, against loss from disability? |
I was refused insurance before, what are my options now? |
What is an in-force illustration and how do I get one? |
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What are my options when the term period expires?
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When can I stop paying my premiums? |
How do I get an impartial analyis of my policies? |
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How can I get an impartialanalysis of my existing policies? |
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Call Us today for answers to all your insurance questions. |
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What is a Conversion privilege? |
Are “own occupation” disability contracts available again? |
I could go online and get insurance. Isn’t that the way to get the comparisons and lowest price? |
Many times it is just that, a privilege! A conversion privilege provides the option of a permanent plan of life insurance, without health or avocation requirements. This option may be very valuable, if your health has changed, or if you wish to continue the coverage beyond the term period. |
Yes, depending on your job title and duties and nature of business. An “own occupation” definition of disability means that you are covered, if you cannot perform the regular duties of your own occupation. |
The missing piece is an expert and unbiased viewpoint. Your underwriting classification is the MOST IMPORTANT variable in insurance premiums. Getting the company to issue at the lowest rates takes knowledge of the insurers standards, as well as your personal medical history. Our underwriting specialists match you with the best company, for your circumstances. Guaranteed! |
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