No pushy sales meetings: To get covered, determine your insurance need here, compare prices, and apply within 10 minutes! We guarantee that we wouldn't recommend anything that we wouldn't buy (or don't already own). David Drummond has been our financial consultant for decades and he has been very supportive in terms of developing a planning strategy with us for our retirement.
He would meet with us often to review our investments and is transparent in changes he makes to our respective investment portfolios. Dave and his office staff have been very responsive to our phone calls when we required assistance. We recollected that Dave drove to our house once to deliver a cheque that we required very quickly.
He would meet with us often to review our investments and is transparent in changes he makes to our respective investment portfolios. Dave and his office staff have been very responsive to our phone calls when we required assistance. We recollected that Dave drove to our house once to deliver a cheque that we required very quickly.
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There are only 2 things in life that you know for certain: you will pay taxes and you will die (at least for now). Life Insurance is an insurance contract designed to protect your family and other people who depend on you for financial support (your dependents). It does this by paying a tax free lump sum to the beneficiary(s) you've named on your policy when you die.
Quick Answer: Life Insurance pays your beneficiaries a tax-free lump sum of money when you die. A life insurance policy is a contract between you and the insurance company. In this contract, the insurance company promises to pay your listed beneficiary(s) a lump sum of money if you die while the policy is active.
When it comes to Life Insurance, there are 2 general types: term and permanent (or whole life) policies. Term insurance, as the name implies, lasts for a specific number of years. You can pick the length but if it passes and you're still alive, the policy terminates. Permanent life insurance lasts your whole life - as long as you're paying your premiums regularly.
Quick Answer: An underwriter at the insurance company looks at your application and decides. When you've made the decision to purchase some form of life insurance, here's what you should expect. The insurance company needs to ask you a series of questions. They need to get to know you, so they can figure out whether you qualify for coverage, and if you do, how much to charge.
As a general rule, the younger and healthier you are, the better your rates will be. But even if you have some chronic health problems, don't assume you'll be turned down - you have option and we're here to help. We know which companies will provide a good rate for your particular condition. Every insurance company has their own underwriting standards and some will be OK with medical conditions that others would deny.
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Deeksha Sharma
Jun 04, 2018
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