Life Insurance FAQs
Can I convert term life to permanent coverage later?
Many term policies include a conversion option for a set window, letting you switch to permanent coverage without a new medical exam.
What riders should I consider?
Popular riders include accelerated death benefit, waiver of premium, child rider, and term rider. Riders add flexibility for specific needs.
How much life insurance do I need?
It depends on income, debts, dependents, and long‑term goals. A common rule of thumb is 10–15× your annual income, adjusted for your mortgage and savings.
How quickly can I get approved for a policy?
Accelerated underwriting can approve some applicants the same day. Traditional applications typically take 1–2 weeks depending on underwriting.
Can I convert term life to permanent coverage later?
Many term policies include a conversion option for a set window, letting you switch to permanent coverage without a new medical exam.
What riders should I consider?
Popular riders include accelerated death benefit, waiver of premium, child rider, and term rider. Riders add flexibility for specific needs.
