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Life insurance can be used: We are licensed to sell Insurance Products in the following states: Securities and investment advisory services offered through Signator Investors, Inc. The policy only pays a death benefit if the insured individual dies before the policy expires. Cannot find what you are looking for? The completed application is then sent to you for review and signature.
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Securities and investment advisory services offered through Signator Investors, Inc. Is A Medical Exam Required? How Much Do I Need? However, this rule of thumb does not account for current assets or any special needs you and your family may have. Your rates are only estimates based on your age, sex, and basic medical information. For most applications, the insurer requires several weeks to collect and evaluate data from your physician and perhaps other sources of information. As an independent company, we can explore many carriers for our clients dependent on their needs. These policies carry minimal cash value and allow for flexible payments of any amount at any time up to certain government-stipulated maximums. Homemakers need coverage for at least as long as their dependents children, invalids, etc. Life insurance can be divided into three basic categories: Here are the steps a life insurance buyer typically undertakes to obtain life insurance:. The policy owner is responsible for paying premiums in order to maintain the policy in force. Term Life Insurance — Provides coverage for a fixed duration of time e. The medical exam can be completed at your home or any other convenient location of your choice and typically minutes to complete.