PRODUCTS
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HOW IT WORKS
Understanding the Life
Insurance Journey
Policy Purchase
You, as the policyholder, purchase a life insurance policy from an insurance company. You can choose the coverage amount (the death benefit) and the duration of the policy (term life or whole life).
Premium Payments
In exchange for the coverage provided by the policy, you pay regular premiums to the insurance company. These premiums can be paid monthly, quarterly, annually, or in a single lump sum, depending on the terms of the policy.
Death Benefit
If you pass away while the policy is in force, the insurance company pays out a lump sum of money, known as the death benefit, to your designated beneficiaries. This money can be used by your beneficiaries to cover expenses such as funeral costs, mortgage payments, debts, and living expenses.
Policy Types
Term Life Insurance: Provides coverage for a specific period, such as 10, 20, or 30 years. If you die during the term, your beneficiaries receive the death benefit. If you outlive the term, the policy expires, and there is no payout.
Whole Life Insurance: Provides coverage for your entire life as long as premiums are paid. It also has a cash value component that grows over time, which you can borrow against or withdraw under certain conditions.
Underwriting
When you apply for life insurance, the insurance company assesses your risk factors, such as age, health, lifestyle, and occupation, to determine your premium rate. The healthier and younger you are, the lower your premiums are likely to be
Beneficiaries
You designate one or more beneficiaries who will receive the death benefit when you pass away. Beneficiaries can be individuals, such as family members, or entities, such as a trust or charity.
Claims Process
When you die, your beneficiaries or your estate must file a claim with the insurance company to receive the death benefit. They typically need to provide a death certificate and other required documentation.
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Frequently Asked Questions
Life insurance is a financial product that provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured person’s death. It helps replace lost income, cover funeral expenses, pay off debts, and provide financial security for loved ones.
Life insurance is a financial product that provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured person’s death. It helps replace lost income, cover funeral expenses, pay off debts, and provide financial security for loved ones.
Life insurance is a financial product that provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured person’s death. It helps replace lost income, cover funeral expenses, pay off debts, and provide financial security for loved ones.
Life insurance is a financial product that provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured person’s death. It helps replace lost income, cover funeral expenses, pay off debts, and provide financial security for loved ones.
Life insurance is a financial product that provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured person’s death. It helps replace lost income, cover funeral expenses, pay off debts, and provide financial security for loved ones.
Life insurance is a financial product that provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured person’s death. It helps replace lost income, cover funeral expenses, pay off debts, and provide financial security for loved ones.
Life insurance is a financial product that provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured person’s death. It helps replace lost income, cover funeral expenses, pay off debts, and provide financial security for loved ones.
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