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The average processing time to be approved for a life insurance policy is 2-6 weeks. Insurance companies process applications differently and some are faster at processing. Your process may also be delayed if you have a complicated medical history.
Always name a contingent, or secondary, beneficiary just in case you outlive your first beneficiary. Select a specific beneficiary rather than having the proceeds of your life insurance paid to your estate. One of the great advantages of life insurance is that it can be paid to your family immediately. If it is payable to[…]
Typically, it involves a quick blood draw, a urine sample, a blood pressure reading, and height and weight measurements. Some insurance may require additional testing.
If you miss a premium payment, you typically have up to a 31-day grace period during which you can pay the premium with no interest charged. If you own a term policy and fail to pay your premium within the grace period, your insurance company will typically terminate the policy. If you own a permanent policy and fail to[…]
Life Insurance is the best way to provide your family a financial peace of mind in case anything were to happen to you. If you have financial dependents, you may want to consider insurance to maintain their current standard of living under any circumstance.
You will be assigned to one of DrDisabilityQuotes.com’s financial insurance professionals as soon as you submit an online application or request a paper application. We will closely work with you to ensure your application process goes through smoothly and minimize any issues that may arise.
Permanent Life Insurance has 3 main types: Whole, Universal, and Indexed Universal Life Insurance. Whole Life Insurance provides you with the certainty of a guaranteed amount of death benefit and a guaranteed rate of return on your cash values. And you’ll have a level premium that is guaranteed to never increase for life. Another valuable benefit of[…]
Figuring out how much life insurance you need requires an analysis of your current and future financial responsibilities as well as the resources your family could tap. Some future obligations may include what it would cost to help your surviving family members meet immediate and ongoing needs such as funeral costs, taxes, food, mortgage expenses, clothing, utilities, and any[…]
It’s hard to say because it depends on your own circumstances and financial goals. Generally, Term Life Insurance offers the greatest coverage for the lowest initial premium and is a great solution for individuals with a temporary need or a very limited budget. Permanent Life Insurance might make more sense for individuals looking for lifelong[…]