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Common Life Insurance Questions
What is Term Life Insurance?
Term life insurance is the most basic form of life insurance. It provides coverage for a specified period of time (e.g. 1, 5, 10, 15, 20, 25, or 30 years) in exchange for a specified premium. If the death of the insured individual occurs within this period of time or term period, the insurance company will pay the death benefit. If the term period expires while the insured individual is still living, the policy terminates and no death benefit will be paid.
What is the difference between term life insurance and other types of life insurance? Term life insurance will pay a benefit if the policy holder dies within a certain amount of time. Permanent life insurance will pay a benefit for as long as the policy is active. Term life insurance is normally less expensive than permanent life insurance, but will not allow you to use your policy as an investment vehicle.
What can I use my life insurance policy for?
The amount paid to your beneficiary can be used for a number of things, funeral expenses, debt repayment, estate tax, probate costs, income replacement, education and many other things.
How much life insurance do I need?
This is a question that should be carefully considered. You will need to discuss this with your financial planner to estimate how much will be required by your beneficiaries after your death. There are many factors to consider, such as how large your family is, how many children you have that will need higher education, how much debt you have, etc.
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