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How Do Life Insurance Companies Test For Nicotine? 27 Aug 2013 | 05:49 pm
Life insurance companies may use any one of several different types of tests to determine if you have nicotine in your system. They may take a blood sample, use a swab on your tongue, or take a hair ...
What Is The Normal Grace Period For A Life Insurance Policy? 26 Aug 2013 | 05:44 pm
The normal grace period for a life insurance policy is 30 calendar days, sometimes 31 calendar days. It’s important not to delay paying your life insurance premiums, so you don't chance losing your l...
Why Do Life Insurance Premiums Increase With Age? 25 Aug 2013 | 05:52 pm
The reason that life insurance premiums go up with age is because mortality rates (the chance of dying) increases the longer someone lives. When someone buys a 15 year term life insurance policy at a...
Does Term Life Insurance Have A Cash Surrender Value? 24 Aug 2013 | 06:09 pm
No, usually Term Life Insurance policies do not have a cash surrender value. Term life insurance has a low cost up front when you purchase your policy because it does not have a cash value accumulati...
What Is The Death Benefit Of A Life Insurance Policy? 23 Aug 2013 | 06:14 pm
The death benefit amount of a life insurance policy is the current face value of an "In Force" life insurance policy. It is the amount of money the beneficiary would receive from the life insurance p...
Can You Claim On Two Life Insurance Policies? 22 Aug 2013 | 06:01 pm
Yes, you can make a claim on two or more life insurance policies if you are named as the beneficiary of the policies. A person can have as many life insurance policies as they are financially qualifi...
How Can I Get Life Insurance Online In Texas? 21 Aug 2013 | 05:14 pm
Yes, you may be able to purchase life insurance online in Texas. There are plans available that allow you to buy life insurance direct online if you live in Texas, or other states in which the life i...
Why Get Life Insurance? 20 Aug 2013 | 05:27 pm
Life insurance helps to provide financial security for those you leave behind. Life insurance protects the people that depend on you and your financial support, whether it be your family, your busine...
Does A Non-Working Spouse Need Life Insurance? 19 Aug 2013 | 05:22 pm
Yes, you may need life insurance for your stay-at-home spouse. If there were a financial hardship if your spouse were to die, then you may need life insurance for your spouse. Let's say the wife has...
What happens when your life insurance lapses? 18 Aug 2013 | 05:51 pm
If your life insurance policy lapses, it means you haven't paid your premiums and you may lose your coverage. If your Term life insurance policy lapses, you have a one month "grace period" to pay the...
