Mechanicsburg, PA 17050
Life Insurance FAQ, Information & Guides
Beneficiary - Changing
Q: How do I change the beneficiary on my life insurance policy? Read Answer
Beneficiary - Non-relative
Q: Can I name someone other than a relative as the beneficiary of my life insurance policy? Read Answer
Cigars & Smokers' Rates
Q: I don't smoke cigarettes, but I smoke cigars occasionally. Will I have to pay smokers' rates for life insurance? Read Answer
Company Went Bankrupt
Q: My life insurance company has become insolvent. What should I do? Read Answer
Disabled Child
Q: I have a disabled child. Is there any government or private insurance product that will help me save for and fund his future care? Read Answer
Donating Policy to Charity
Q: Can I donate my life insurance policy to my favorite charity? Read Answer
Employer vs. Separate Company
Q: What are the advantages and disadvantages of buying life insurance coverage through my employer vs. buying through a separate company? Read Answer
Group Life Insurance
Q: I've heard that group life insurance is the most affordable way to get life insurance coverage. What is it and where can I get it? Read Answer
Insurable Interest
Q: What does insurable interest mean on a life insurance policy? Read Answer
Life Insurance if You're Single
Q: I'm single. Do I need life insurance? Read Answer
Lowering Costs
Q: Can I do anything to lower the cost of life insurance? Read Answer
Medical Exam
Q: What is a life insurance medical exam and how should I prepare for it? Read Answer
Pension Benefits
Q: I'm about to retire and start receiving pension benefits. Should I elect a single life annuity or a joint and survivor annuity? Read Answer
Permanent Life Policy - Converting
Q: My insurance agent advised me to convert part of my term life insurance to permanent life insurance. How does this work? Read Answer
Permanent Life Policy - Rate Return
Q: I'm unhappy with the rate of return I'm receiving on my permanent life insurance policy. Should I change or replace the policy for another? Read Answer
Separate Policy for Child
Q: Do I need to buy a separate life insurance policy for my child? Read Answer
Smoking
Q: Do life insurance companies really check out if I'm a smoker? How? Read Answer
Variable Life Policy
Q: Is it true that after 10 years the proceeds of a variable life policy and the cash value are tax-free if you want to withdraw the money? Read Answer
When to Buy
Q: When should I buy life insurance? Read Answer
Riders Available!
We have a number of riders that you can choose from to customize your insurance coverage. Some riders available are:
- Return of Premium
- Child Rider
- Accidental Death
- Waiver of Premium
- Long Term Care
- Spouse Rider