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Frequently Asked Questions
Common Questions Answered for your convenience.
Should I choose Term Life or Permanent Life insurance?
Term Life is best if you only need coverage for a specific period (e.g., while you have a mortgage or young children). It is generally less expensive. Permanent Life (like Whole Life) is better if you need coverage for your entire life and want the policy to build a cash value that you can use later.
Will I need to take a medical exam to get coverage?
Many policies require a free medical exam to determine your health classification and secure the most competitive rates. However, many carriers now offer no-exam policies for certain age groups and coverage limits, often with slightly higher premiums.
Can I get life insurance if I have a pre-existing medical condition?
Yes, absolutely. Many insurance companies specialize in covering individuals with pre-existing conditions. While your premium may be higher than average, it is still possible to secure reliable coverage.
What is the difference between an IUL and a Whole Life policy?
Whole Life offers guaranteed, fixed premiums, a guaranteed death benefit, and cash value growth at a set, conservative interest rate. IUL offers flexible premiums, a flexible legacy benefit, and the cash value has the potential for greater (though capped) growth tied to a market index, with protection from market losses.