Life Insurance FAQ’s

What you need to know about Life Insurance

Does Life Insurance have a co-ordination of benefits clause?

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No, They will ask on the application though if you have other coverage to prevent over insurance and to make sure there is insurable interest. So, if you need more coverage, buy it!!!!  It may or may not be advantages to cancel prior coverage.  It might have lower premiums as you were younger when you bought it and your health might have been better, etc.  It’s no problem to have two or more policies, one from employer, etc.

Video’s from  actual life insurance beneficiaries  Life Happens.org

Life Insurance Law FAQ’s – Free Advise.com

Free ONLINE Needs Analysis

LIFE INSURANCE BASICS

Why should I buy life insurance?
Do I need to take a physical exam?  freeadvice.com/
What should I expect and how do I prepare for the Paramedical Exam?

What are the principal types of life insurance?
What is a beneficiary?
General Beneficiary Designation

 

Do I or my beneficiaries have to pay Income Tax on the proceeds?

No,  IRC 101 A

Social Security Survivor Benefits

 

TYPES OF LIFE INSURANCE

What are the types of term life insurance policies?
What are the different types of permanent life insurance policies?
Why should I purchase permanent insurance?

BUYING AND SAVING MONEY

How should I choose what type of life insurance to buy?
How do I pick a life insurance company?
How can I assess the financial strength of an insurance company?
How should I choose a life insurance agent?
How can I save money on life insurance?

SPECIAL BUYING SITUATIONS

What is “burial insurance”?
Should I buy life insurance on my child’s life?
Do “empty nesters” need life insurance?

KEEPING YOUR LIFE INSURANCE CURRENT

  How should I organize and store my life insurance records?
How often should I review my policy?

HELP!

 

If I can’t pay my premium, what should I do?
Where can I get additional information on life insurance?

FACTS

Which companies are the largest writers of life insurance?

Related Information

Social Security Death Benefits

Instant Term Life Quotes - CA

 

What about suicide or euthanasia?

Oregon Measure 16?

Insure.com

2 year contestibility Kantor & Kantor  & suicide clause

§10113.5 

 

 Consumer LINKS

Free Advise.com Life Insurance Law

Medical Records & Privacy

insurance.ca.gov/

Medical Underwriting HIPAA Privacy

Get Instant Term Life Quote

Set up a phone, skype or face to face consultation 

Tools to help you figure out how much you should get

Life Insurance Buyers Guide

CA Department of Insurance

NAIC Buyers Guide

NAIC Life Insurance Buyers Guide

How much  life insurance you really need?

Life Screening Form

Please complete & return and we'll search and consult for you.  Or try this one from NAAIP.org

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3 comments on “FAQ’s on Life Insurance

  1. Hi Steve

    great website and great information on here.

    We did notice that you haven’t listed a resource for people who have diabetes, and turn to to find life insurance.

    http://www.diabeteslifesolutions.com

    Here’s an agency that was founded by people with Diabetes, and is the only agency out there who ONLY works with people who have Diabetes.

    I’m sure alot of your readers could benefit from this website.

    All the best!!!

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