Life insurance companies generally need a simple in home medical evaluation before final approval. Two key factors used in determining the cost of your policy are age and medical condition. The better your health the lower the cost. The sooner you decide to get this physical the quicker the true cost of your life insurance policy will be determined and the quicker you’ll have protective coverage.
There are two major types of life insurance term and whole life. Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, universal life, variable life and variable universal life. Life insurance products for groups are different from life insurance sold to people.
Life insurance in its simplest form protects your loved one’s from the financial ruin of an unexpected death. Having a mortgage, sending kids to college, providing financial support for others are among the more common reasons to buy life insurance.
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