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Frequently Asked Questions
Can I get life insurance if I have a pre-existing health condition?
Yes! Many insurers offer coverage options for people with health conditions such as diabetes, high blood pressure, or past illnesses
How much does life insurance cost?
The cost of life insurance depends on several factors, including: Your Age. the younger you are, the lower the premiums. Health Condition good health means lower rates. How much coverage do you want? Higher coverage = higher cost. Type of Insurance as well! Term life is cheaper, while whole life costs more but builds cash value, Universal life is right in the middle!
Example: A healthy 30-year-old can get $500,000 in term life coverage for as low as $20/month!
Do I need life insurance if I already have coverage through work?
Great Question! While employer provided life insurance (group insurance) is a great perk, it may not be enough for full financial protection. Most workplace policies only cover 1-2 times your salary, which may not be enough for long-term security or to even cover your debts. If you leave your job, you lose the coverage. Lastly You can’t adjust the policy to meet your personal needs.
Supplementing your workplace coverage with a personal life insurance policy ensures your family is fully protected, no matter what happens.