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Top 5 Questions To Ask When Looking For Life Insurance
Finding and choosing the right life insurance policy can be tricky, especially with the sheer volume of providers, brokers and “advice websites” out there offering quotes and services.
No question, but the better informed you are coming into the process, the better the policy you will end up with. And further no doubt, the devil is in the details.
There are many particulars to take into consideration, and as they say, “forewarned is forearmed”. Today we’re running down the Top Five Questions you should ask before taking the plunge into Life Insurance. Of course the best thing to do is to work with an independent broker who can source the best options and help you compare policies from the top life insurance companies. Regardless of what path you choose, this short primer will nonetheless help your decision making.
1. How Is The Rate Calculated?
This is a common trap that many life insurance shoppers fall into as some companies may try to sell you an adjusting rate policy. This should be a red flag. It is very similar to a mortgage or loan, where you may choose between a fixed or variable rate. When answering this question for life insurance, it’s important to make sure the policy you are asking for is one that falls into the category of “level term”. Feel free to ask an agent if this is the case. This type of policy means that your rate stays the same for the entire length of the term. Regardless of the duration of the policy (i.e. 10 years, or 15 years), the rate should remain the same for the entire duration of that pre-determined term. Be sure to check the fine print that may well reveal hidden increases in your rate after a period of time.
2. Can The Policy Be Converted To Permanent Coverage?
While it isn’t always essential, it’s good to ensure as much flexibility as you can with your life insurance policy. For example, as you get older, you may decide that you want to convert your term policy to a permanent policy. This is an important consideration, particularly if you are over 50. As one’s health deteriorates it naturally becomes more difficult to find a new insurer and a good insurance policy, therefore, securing the option of being able to convert your term policy to a permanent one is the best option. Remember to inquire about the policy’s conversion rules, and how long they will remain valid and in effect. Make sure, if possible, to retain the flexibility to convert the policy and what the frame allowance might be. Lastly, be sure to inquire as to whether it can be converted to a universal policy or whole life policy.
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3. Is There A Waiting Period Before Full Death Benefits Are Paid?
Each insurance policy is different, and some have a duration of time that defines a delay before the full death benefit (100% of coverage) will be paid. This, like any component of an insurance policy, will change the cost structure, and it’s an important consideration, particularly if you are considered a “high risk” applicant – many high risk life insurance policies have waiting periods before coverage is in effect.
Most waiting periods are for two years and the risk criteria can vary, but it is important to understand those factors. Chances are nothing will happen to you in the first two years of having the policy, but if something does happen it could be detrimental to your family.
4. What Kind Of Company Am I Dealing With?
Just because you haven’t heard of an insurance company doesn’t mean it’s not a valid company. Conversely, some companies, even some of the best-known brands, aren’t always progressive when it comes to serving customers.
The best way to make sure you are with the right provider is by doing some research and getting a clear picture of the company you are dealing with and its culture. Here are some questions you might ask. What is their “A.M. Best Rating“, which is an indication of an insurance company’s financial strength. Also, be on the lookout for an “A” or “A+” rating, which is generally an indicator of being a top provider. Lastly, it’s best to only consider life insurance companies that have been established for 50 years or more.
5. Do You Need A Medical Exam For A Policy?
Many insurance companies allow you to secure a policy in the range of $250,000 to $350,000 without an exam, but not all of them do. If this is the range you are looking for, coverage within this range should be easy to find with a provider that doesn’t require an exam. That said, it’s best inquire at the outset of a quote for whatever amount you want to determine whether or not you will need to have a medical exam. Note that insurance policies without an exam may cost more than a policy that does require an exam.
No Medical Exam Plans
No one wants to take a medical exam, especially for a life insurance application. So the idea of getting coverage without having to take an exam seems like a great idea until you consider the disadvantages.
Insurance companies require medical exams because certain health factors are a higher risk of leading to death than others. The companies have highly complicated systems they use for ranking and rating applicants based on their health risks, and the amount of premium an applicant is quoted depends on how much risk the company comes up with for that particular applicant. The higher the risk the higher the cost. Without doing the medical exam process, the company is going to assume they’re taking a higher risk, so the premiums will be much higher for a no-exam policy than they would be for the same policy with an exam. Cost is a major disadvantage.
Another disadvantage to no-exam policies is the amount of death benefit coverage you can get. Most companies only offer up to $250,000 of coverage without an exam. Depending on your family situation, that is probably not enough. Before jumping into a no-exam plan, determine how much coverage your family will need. Be sure to include enough coverage to pay off debts and replace your income for up to ten years.
The greatest benefit of a no-exam plan is the fact that you can typically get approved much more quickly than with a traditional plan. Getting approved for a traditional policy can take up to a month, while a no-exam policy might only take a few days. If your main objective is to get a life insurance policy quickly, a no exam plan is your best option.
Working With An Independent Insurance Agent
The process of getting insurance can be very confusing and frustrating. There are so many companies to choose from, and each company has so many options to choose from. The only way to make sure you are getting the best option for you is to gather multiple quotes and compare the pros, cons, and costs.
Traditional agents represent individual companies and seek to sell you only what those companies offer. Don’t limit your options to only what one company sells. That company might have a drastically different rating system than other companies and therefore might have the highest costs regardless of the plan options they have to offer. Every company is different in that regard. They all look at the risk factors differently and base the cost to the client accordingly.
Comparing multiple companies and all their multiple offers can be a very time consuming and arduous process. You could do it on your own, eventually, but it makes way more sense to expedite the process as much as possible. The fastest and easiest way to compare multiple life insurance companies and all the different policies they offer is to work with an independent agent.
As independent agents, we work with lots of highly rated companies and make it our everyday mission to get our clients the lowest premiums for the most fitting coverage to meet their needs. We help people every single day to save time and money.
Let us put our connections and experience to work for you. Contact us today to get your questions answered and let us make the difficult search a breeze.