what questions to ask when getting life insurance?
320488
['Do I need life insurance if I already get it through work? ... ', 'How much does life insurance cost? ... ', 'How much life insurance should I consider? ... ', 'How are death benefits paid? ... ', 'Will my premiums change or increase over time? ... ', 'How can I save money and still get the coverage I want?']
9467
['What is the insurance plan monthly and annual premium? ... ', 'Is there a waiting period before coverage goes into effect? ... ', 'Are there circumstances where benefits are not paid? ... ', 'Does the plan require a physical exam? ... ', 'What lifestyle factors can impact your life insurance policy before and after the plan goes into effect?']
1314911
['You must be 16 years or older (as of last birthday)', "You must be the current life-insured /person covered of an Eligible Policy/Certificate or the insured member/covered member under your employer's Corporate Solutions policy;"]
229249
["What are my coverage gaps? Another way to ask this is, “Does my major medical insurance plan cover 'enough' for me and my family?” Your first step is to understand your existing coverage. ... ", 'Am I financially prepared for the “what ifs?” ... ', 'What are my supplemental insurance coverage options?']
385912
["Generally, life insurance proceeds you receive as a beneficiary due to the death of the insured person, aren't includable in gross income and you don't have to report them.", 'However, any interest you receive is taxable and you should report it as interest received.']
343397
['How old is the child?', "How much is spent on the child's food, clothing, and educational needs?", 'How much for visits to the doctor, to the dentist, to the optician?', 'How much for child care, for a nanny or babysitter?']
27518
As an 18-year-old, you can get a whole life insurance plan for around $150 a year. The last option is to buy a term insurance plan. Getting a 30-year-term insurance policy is a great way to get the coverage that you need at an affordable price.
1037438
["Death certificate: The insurer will need a certified copy of the policyholder's death certificate. ... ", 'Policy document: The policy document has all of the pertinent information about the life insurance policy: the term, the death benefit amount, policyholder details, and so on.']
617411
['What Kind of Things Does My Renters Insurance Cover? ... ', 'What Types of Events Does Renters Insurance Cover? ... ', "What Does 'Peril' Mean? ... ", 'How Can I Figure Out How Much My Stuff Is Worth? ... ', 'Does My Insurance Cover My Roommate? ... ', 'What About Pets? ... ', 'Does My Insurance Cover a Bedbug Infestation?']
215587
['Have you ever done business under a different name? ... ', 'What is your license number? ... ', 'How can I get in touch with you? ... ', 'Can I have a copy of your insurance policy? ... ', 'How much will this project cost? ... ', 'How many projects like mine have you done in the last year?']
311324
We recommend you purchase a term life insurance policy for 10–12 times your annual income. That way, your income will be replaced if something happens to you. This is the cheapest way to protect your family long-term. More on that later.
884605
['Do I Have All the Coverage I Need? ... ', 'Am I Getting All the Discounts and Savings I Can? ... ', 'What Is Covered if My Car Is in an Accident or Gets Damaged? ... ', 'What is Covered if My Car Is in an Accident and Someone Is Injured or Dies?']
1386221
['Are title insurance prices regulated? ... ', 'How much coverage do I need? ... ', 'Who usually pays for title insurance? ... ', 'Is the seller pushing a specific title company? ... ', 'Whom do I trust? ... ', 'How much reassurance do I need?']
3208
['Are you a fiduciary? ... ', 'How do you get paid? ... ', 'What are my all-in costs? ... ', 'What are your qualifications? ... ', 'How will our relationship work? ... ', "What's your investment philosophy? ... ", 'What asset allocation will you use? ... ', 'What investment benchmarks do you use?']
626038
['Do you have a list of customers who would be willing to verify the quality of your work? ... ', "Do you cover all of your employees with Workman's Compensation Insurance? ... ", 'How will my house be prepped for painting? ... ', 'What grade of paint will be used? ... ', 'How many painters will be on the job and how long will the job take?']
1085222
['What kind of heart condition do I have? ... ', 'Do I need any further tests? ... ', 'What type of lifestyle changes do I need to make? ... ', 'Should I change any of the medications I am currently taking? ... ', 'What are the risks associated with my condition?']
212771
Most insurance companies say a reasonable amount for life insurance is six to 10 times the amount of annual salary. Another way to calculate the amount of life insurance needed is to multiply your annual salary by the number of years left until retirement.