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What is life insurance, and why do I need it?
Life insurance provides a financial payout to your beneficiaries when you pass away, helping cover debts, funeral costs, and living expenses.
What are the main types of life insurance?
• Term Life: Affordable, covers a set period (e.g., 10-30 years). • Whole Life: Permanent coverage with a cash value component. • Universal Life: Flexible, permanent policy with adjustable premiums.
How much does life insurance cost?
Costs depend on age, health, lifestyle, and coverage type. Term life is typically cheaper than whole or universal life.
Do I need a medical exam to get life insurance?
Some policies require a medical exam, but no-exam options exist, usually with higher premiums.
Can I change my beneficiaries?
Yes, you can update your beneficiary at any time unless they are listed as irrevocable.
Is the death benefit taxable?
Generally, no. Life insurance payouts are tax-free unless paid to an estate, which may be subject to estate taxes.
Frequently Asked Questions
Common Questions Answered for your convenience.
