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What is Non-Medical Life Insurance? |
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Tuesday, 10 March 2009 13:09 |
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What is Non-Medical Life Insurance? Non Medical Life Insurance is for those who want the quickest possible coverage without going through a longer underwriting policy. To get the best rates require some form of medical underwriting. This often involves a medical examiner who comes to your home or office to ask medical questions, |
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Last Updated on Tuesday, 10 March 2009 13:25 |
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Can I access my death benefit if I become terminally ill? |
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Friday, 06 March 2009 22:24 |
Can I access my death benefit if I become terminally ill?
With many companies and policies, the answer is "yes." Please be aware though, that you need to choose an insurance company that offers this benefit. Some companies automatically include this provision for the states where it is approved, but be sure to check with your licensed online specialist. There is generally no additional cost for this benefit.
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What if I become disabled and cannot pay my premium? |
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Friday, 06 March 2009 22:23 |
What if I become disabled and cannot pay my premium?
If you are worried about this please ask our online specialist for a rider called "waiver of premium". If you pay the extra premium for this coverage, the insurance company will waive your premium if you become disabled as defined by your policy. This is not available in some states so please be sure to ask.
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Friday, 06 March 2009 22:23 |
What is a rider?
A rider is simply an additional provision that can be added on your policy. Some riders are free of charge and others add significantly to your premium. Our licensed online specialist will inform you of any riders that can be added to your policy.
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What if I am only an occasional smoker? |
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Friday, 06 March 2009 22:22 |
What if I am only an occasional smoker?
If this is the case, please let our online specialist know so that he can find you the best company and best life insurance quote for your situation. As a smoker, the rates for life insurance are much higher so it is important that you choose a company with a more lenient attitude toward the occasional smoker.
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Life Insurance FAQ's
