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Life insurance is a contract with an insurance company that provides a death benefit to your beneficiaries upon your passing. It helps ensure financial security for your loved ones by covering expenses like mortgage payments, education costs, and everyday living expenses.
The amount of life insurance you need depends on factors such as your income, debts, future obligations (like college tuition), and the financial needs of your dependents. A common rule of thumb is to have coverage that’s 5-10 times your annual income.
The main types of life insurance are term life and whole life. Term life provides coverage for a specific period (e.g., 10, 20, 30 years), while whole life offers lifelong coverage and includes a savings component. There are also variations like universal life and variable life insurance.
Yes, you can still get life insurance with a pre-existing condition, though it may affect your premiums or the types of policies available to you. It’s best to discuss your specific health situation with an insurance agent to find the best options.
Life insurance premiums are determined by factors such as your age, health, lifestyle, occupation, and the amount of coverage you need. The healthier and younger you are, the lower your premiums will typically be.
The time it takes to get life insurance coverage can vary. Once you submit your application and undergo any required medical exams, it typically takes a few weeks for the insurance company to process your application and issue a policy. Some policies, like no-exam life insurance, may offer faster approval.
