Life Insurance FAQ

	Basics What Is Life Insurance? What Is The Connection Between Risk And Life Insurance? Do I Need Life Insurance? Why Buy Life Insurance? ...
	How Much Do I Need? Is There A Certain Amount Of Life Insurance I'm Required To Buy? I Have A Hard Time Saving Money. Should I Buy Life Insurance As A Form Of Forced Savings? What Should I Do If I Have Problems In Getting Coverage? What Is A “Needs Analysis”? Do I Need One To Determine How Much Life Insurance I Should Have? ...
	Group Plans What Are The Basic Types Of Group Life Insurance? What Are Some Of The Contrasts With Individual Insurance? What Are The Limitations Of A Group Plan? What Are The Advantages Of A Group Plan To The Employee? ...
	Naming Beneficiaries Who Can Take Out A Policy On My Life? Naming Beneficiary(Ies) Changing Beneficiary Number Of Beneficiaries ...
	Types Of Life Insurance Policies What Is Term Insurance? What Are The Common Policy Variations Of Term Life Insurance? My Insurance Agent Recommended A Term Policy. What Are Some Considerations? What Is Cash Value Life Insurance? ...
	Effect Of Age, Sex, And Health What Is The Importance Of Age/Sex/Health? ...
	The Life Insurance Contract Can I Change My Mind And Get A Refund? Can The Insurance Company Cancel My Policy? Can A Company Refuse To Pay A Claim? Can A Company Void My Policy If I Lie Or Make A Mistake In Completing The Application? ...
	Basic Life Policy Provisions Type Of Policy Face Value Length Of Coverage Cash Value ...
	Paying The Premium What If I Miss A Premium Payment-- Do I Lose My Insurance? Cash Value Build-Up How About The Automatic Premium Loan Clause? What If I Become Disabled And Cannot Pay? ...
	Collecting Death Benefits Is The Company Required To Pay Death Benefits If The Insured Commits Suicide? What Are Settlement Options? What Are The Typical Settlement Options? What If I Am Not Ready To Decide? ...
	Choosing The Insurance Company Should I Worry About The Company’s Financial Soundness? How Do I Check Up On A Company’s Financial Strength? What Happens When A Company Becomes Insolvent And Is Liquidated? What Is The “Cost Index”? ...
	Tax And Estate Implications Are There Tax Benefits Associated With Life Insurance? Can I Gift A Policy? ...
	Switching Companies/Policies I Want To Cancel A Life Insurance Policy And Purchase A New One. Anything Wrong In That? My Agent Suggested Switching Term Every Couple Of Years To Take Advantage Of A Company’s Promotional Rates. What Are Some Of The Things I Should Consider? ...
	Selling Policies--Viatical Settlements What Are They? How Is The Sales Price Determined? How Much Is The Payout? What Should Be Considered In Such An Arrangement? ...
	Miscellaneous Questions Are The Values Of My Life Insurance Policy Exempt From The Claims Of Creditors Or From Bankruptcy Proceedings? I Was Treated For Cancer About 8 Years Ago And The Physicans Have Said That I Was Completely Cured. Can I Be Turned Down For Coverage? I Got A Loan From My Insurance Policy, But Never Paid Back The Interest. What Will Happen? What Happens If My Outstanding Loans Plus Interest Due Exceed The Policy Loan Value On My Policy? ...
	Glossary Glossary Of Life Insurance ...

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