Life insurance is a contract between you and an insurance company to provide you with coverage based upon your payment of premiums. Life insurance provides a death benefit to your named beneficiary upon your unfortunate death. When you pass away, your beneficiary files a claim with the insurance company to submit proof of your passing. After the insurance company receives all the documents, then your beneficiary will be issued the death benefit payout.
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The beneficiary of the policy has to file a claim to the company. The death certificate of the insured is sent to the company.
Yes, most of the time life insurance signed up for through your employer is not enough. You also lose that coverage if you stop working.
Yes, most of the time a medical exam is needed for determining your monthly premiums for your policy. No-exam policies usually offer less coverage.
It's the amount of money that the policy is worth. This lump sum is payed out when the insured has died.
Life insurance brokers. We're not tied down to an insurance company. We work with an assortment of companies to find the best deal.
A broker works on behalf of the insured while an agent works on behalf of insurance companies.