what questions do i need to ask when buying life insurance?
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?']
105798
['1 - How does paid time off (PTO) accrue? ... ', '2 - When does medical coverage start? ... ', '3 - What health benefits are covered? ... ', '4 - What, if any, transportation costs are covered? ... ', '5 - How realistic is that target bonus? ... ', '6 - Can the sign-on or relocation bonus be taken back?']
813760
You should have the original death certificate on hand (preferably along with a few certified copies), the original application with the policy number, and the benefits claim form on hand when you contact the insurance provider. It usually takes life insurance companies anywhere from 30 to 60 days to process a claim.
424398
['How much have you loved? ... ', "What do you love doing that you aren't doing? ... ", 'What person or type of person would you choose as a life companion? ... ', 'Where do you want to live? ... ', 'What do you want to accomplish? ... ', 'What do you want to be remembered by? ... ', 'What kind of life would make you jealous? ... ', 'What adventures do you want to have?']
1365020
['What Services Do You Provide?', 'What and How Do You Charge?', 'How Do You Determine Prices on the Merchandise?', 'Are You Insured? ... ', 'Are You Bonded?', 'How Will You Keep the Property Secure?', 'When and How Do You Discount the Merchandise?']
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?']
1370055
['How long is my quote valid for?', 'How long will my policy last?', 'How much can I save by comparing?', 'How many providers do you compare?', 'Why do I need to give you my phone number?', 'Why do you need to know my address?', 'Why do you need to know if I smoke?']
718502
["What's your net worth? ... ", 'How much should you save in your emergency fund? ... ', "What's a credit score? ... ", "What's an APR? ... ", "What's the difference between stocks and bonds? ... ", "What's a 401(k)? ... ", "What's the difference between a premium and a deductible? ... ", 'How much can you comfortably spend on housing?']
1119626
['Do I really need whole life insurance? Whole life serves a purpose, but not everybody needs it. ... ', 'Can I afford whole life insurance? ... ', 'How much coverage do I need? ... ', 'How will the cash value grow? ... ', 'How strong is the insurance company?']
467567
['What are my business risks? Firstly, think about your business activities. ... ', 'What types of insurance do I need? ... ', 'How much insurance do I need? ... ', 'What are the terms and conditions of the policy? ... ', 'Where can I buy business insurance?']
1303616
['How Long Have You Been Trading? ... ', 'How Happy Are Your Customers? ... ', 'What Services Can You Offer? ... ', 'How Flexible Are Your Services. ... ', 'If I Need More Work From You, Do You Have The Capacity To Meet Demand? ... ', 'What Do You Charge? ... ', 'Is Insurance Included?']
477619
['Q: Does the plan cover congenital, breed-specific, and chronic issues? ... ', 'Q: Does it cover exam fees? ... ', 'Q: Does this plan cover bi-lateral conditions? ... ', 'Q: Does it cover holistic care/alternative therapies? ... ', 'Q: Is there a per-incident or lifetime limits?']
647031
["Before you retire, ask when you'll have to pay taxes on money saved within your plan. ... ", 'Ask about what benefits will continue when you retire. ... ', "Ask about what you'll need to consider when planning for 10-20 years out. ... ", 'Ask about any gaps you may be responsible for.']
437988
["What's Covered and What's Not? ... ", 'Will a Renters Policy Cover my Roommate? ... ', "What's the Difference Between Cash Value and Replacement Coverage? ... ", 'Will Owning a Dog Affect my Renters Coverage?']
711518
['How much will you earn?', "What's the initial deposit requirement?", 'Are there minimum balance requirements?', 'What fees could you be charged?', 'Are money market options available?', 'Is the account compatible with financial apps?']
147544
["Your age. Insurance companies look at your age because that can predict the likelihood that you'll need to use the insurance. ... ", 'The type of coverage. ... ', 'The amount of coverage. ... ', 'Personal information.']
1171751
['Who am I, really?', 'What worries me most about the future?', 'If this were the last day of my life, would I have the same plans for today?', 'What am I really scared of?', 'Am I holding on to something I need to let go of?', 'If not now, then when?', 'What matters most in my life?']