Frequently Asked Questions
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Term Life Insurance
Universal Life Insurance
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How long do the premium rates stay the same?
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What happens after the level premium period?
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What is universal life insurance?
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What are the advantages of universal life insurance?
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What effect will a withdrawal or loan have on my universal life policy?
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Does term life insurance offer any cash value?
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What is universal life/term?
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What is return of premium (ROP) term life insurance?
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How much coverage do I need?
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What type of policy should I buy, term life or universal life?
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Is a physical examination required?
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How is my health class determined?
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How long does the entire process take?
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What payment options are available?
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Can my policy ever be cancelled due to my health?
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What if I smoke?
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When does my life insurance coverage begin?
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If I am replacing an existing coverage, when can I cancel my current policy?
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How do I know the company I have selected is a good company?
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Where do I begin?
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