Should I have life insurance? If you’re already asking yourself whether you need life insurance, the answer is clear: yes, you do. However, unlike most policies where you simply call the company, provide your information, and obtain the contract, the process for life insurance is a bit different.
Most companies will require the interested party to answer several questions about their health status and undergo a medical examination. This is to determine whether someone is insurable or not. The key is to tell the truth when answering the questionnaire. Any false information will invalidate the benefit payment to your family in the event of your death.
With this information, insurers will assess factors that can influence the premium price, such as age, gender, place of residence, and profession of the insured. As you can understand, it’s not the same to insure a Formula One driver as it is to insure a children’s story writer.
Next, it is up to the interested party to choose the type of life insurance they wish to have: term life insurance for 10, 15, 20, or 25 years, or any of the other variations such as permanent life insurance, savings-linked life insurance, or life insurance with living benefits.
If you find yourself wondering, “Should I get life insurance?” when you look at your children, it’s time to call Univista Insurance and discuss with the specialists the types of life insurance that would be beneficial for your family. Should I have life insurance?
Call us today for a full qualification! (305) 728-6352. You can also quote for free here.
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