Question 1

How fast can I get coverage?

Accepted Answer

You can get a quote, compare options, and apply in just five minutes. Policies are typically issued within days—no medical exams, bloodwork, or medical records required.

Question 2

What happens when my policy term ends?

Accepted Answer

Your coverage expires at the end of the term, but depending on your policy, you may have the option to renew or convert it to permanent life insurance.

Question 3

Can I adjust my coverage amount later?

Accepted Answer

Many policies allow adjustments, but it's best to choose an amount that fits your long-term needs from the start.

Question 4

How are premiums determined?

Accepted Answer

Premiums are based on factors like age, health, coverage amount, and term length. Since no medical exam is required, rates are determined through a simplified underwriting process.

Question 5

Will my premiums ever increase?

Accepted Answer

Premiums for term life insurance policies typically stay the same throughout the policy term. However, if you renew or buy a new term policy after the initial term ends, premiums can increase due to factors like your age and health at that time. This is because the risk for the insurance company rises as you get older.

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