FAQs
Got questions about health and life insurance? Check out these FAQs for answers.
Health Insurance FAQS
Owning a business doesn’t restrict the kind of options you have available. In some cases even if you have a small team individual policies may provide you with the best value. A broker can go over your options with you and create a plan for your specific circumstances.
To get a quote for Health Insurance a credit report is not required.
No need to worry, there are many options available to you, whether it be an individual, family, or ACA plan. Also, in most cases you can be issued a plan before your COBRA even expires, so you never need to worry about a lapse in coverage.
A broker has various plan options and the ability to pull quotes from multiple insurance companies. After listening to your particular needs a broker is in the best position to find you the best value in both price and coverage. As an industry expert they will advise you impartially based on your specific circumstances and can compare quotes from top insurance companies instantly. No guesswork required.
Laws in most states prevent brokers from charging their clients any additional fees. As such, you will not incur any added cost for using a broker, so the rate the insurance company provides is what you pay.
Life Insurance FAQS
A person will take out a life insurance policy if they have significant assets, debt, or want to provide for their family in the event of their death. This can pay for final expenses, cost of living, or paying off any debts accrued through the insured person’s lifetime.
You can get a new policy, however, it will renew at a substantially higher premium.
Most insurance companies will provide coverage immediately if you make your initial payment when you fill out your application. Otherwise, it can take anywhere between 4-12 weeks to be processed.
There are no restrictions to how the death benefit can be used. Common examples are:
Cost of living (Groceries,
mortgage, car payments)
Final Expense
College
Debt
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