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We’ve got you covered. Find answers to common life insurance questions here.
What can my life insurance cover?
Your policy can cover after death expenses that your loved ones would otherwise have to face. It can cover other expenses as well, such as a mortgage, debts, college tuition, and everyday expenses. The payout can be used to pay for anything your beneficiary needs.
Does life insurance cover a death by COVID-19?
Deaths related to COVID-19 are covered by life insurance. Additionally, life insurance rates are not increased by the onset of the virus. Once your application is approved, you will be considered covered when your first payment is made.
How do I calculate the amount of life insurance I need?
An easy way to calculate how much life insurance you’ll need is to multiply your yearly income by 10. Another way you can come up with an appropriate estimate is to subtract your assets from your financial obligations; the difference will be the amount that the life insurance needs to fill.
Do I still need life insurance if my employer provides it?
Policies that are employer-sponsored usually only account for one or two times your annual salary. However, experts recommend having a policy that covers ten times your annual salary. To supplement this gap, many people purchase individual term policies.
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