LIFE INSURANCE QUESTIONS
Frequently asked questions about buying life
insurance in San Francisco
Q. What kind of life insurance is best for me and my
A: Permanent Insurance
Q. How much insurance should I get?
A: This depends on my total debt and what my family needs to
replace my income: $500,000
Q. How do I make sure the company I buy insurance from will
be around when I need them?
A: I verify the financial strength of the insurance company and
how long it has been around
Q. Is there such a thing as temporary life insurance?
A: Temporary insurance is term insurance
Q. Should I get life insurance for my wife also?
A: Yes, As she provides income for the household
Q. How does my family get paid if there is a death?
A: If we have life insurance, from that otherwise, nothing
Q. Why is life insurance getting cheaper?
A: We are living longer and are much healthier
Q. How is your company different from other on-line or local
life insurance brokers?
A: We provide a complete service making sure that we provide
the best rate possible by informing the underwriters of the
insurance companies information needed to issue quickly and the
best risk classification and therefore the best rate.
THE PROCESS OF BUYING INSURANCE
Q. How long does it take to approve my application?
A: Our goal is 21 days once all documents are obtained and
Q. Do I need to take a medical exam?
A: Depending on the type and amount of policy requested will
determine whether an exam is required by the insurance
Q. When does my policy start after I am accepted?
A: Policy start date will start upon approval of the insurance
company but can be amended by the client to a different
Q. Are there any up front costs?
A: No there is no up front cost
Q. How do I pay, monthly, quarterly or annually?
A: The best way to pay is annually as the premiums on monthly
(total) exceeds annual cost.