Welcome to FAQs

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 The types of life insurance policies include term life and whole life insurance. Each type offers different benefits and features to suit various financial goals and needs. 

You can file a claim by contacting me directly or calling our home office phone number.

Your insurance premium may be affected by factors such as your age, gender, health, monthly income and the type of coverage you choose.

Consider factors such as your financial goals, budget, and coverage needs when selecting a life insurance policy. Evaluate policy options carefully and check out the budget or life insurance calculator to help determine the best fit for your situation.

Life insurance premiums can typically be paid monthly, quarterly, semi-annually, or annually, depending on the policyholder's preference. Premium payment options and methods vary by insurance company. 

A beneficiary is the person or entity designated to receive the death benefit from a life insurance policy upon the insured's death. Policyholders can name one or more beneficiaries. It's important to review and update beneficiary designations regularly to ensure they align with your current wishes. 

 If you have a permanent life insurance policy that accumulates cash value, you may be able to borrow against the cash value through policy loans or withdrawals. Keep in mind that borrowing against the cash value can affect the death benefit and policy performance, so it's essential to understand the terms and implications before taking any action. 

 Life insurance plays a crucial role in protecting your loved ones' financial security and ensuring your legacy. It can help replace lost income, cover outstanding debts, and provide liquidity for estate taxes and other expenses. Incorporating life insurance into your financial plan can provide peace of mind and security for you and your family.