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Life insurance seems complicated -- what are the basics?
What is individual life insurance?
What factors are considered in individual life insurance underwriting?
Is a physical exam needed?
What is group life insurance?
What is a life insurance policy?
Can I buy a policy on someone else's life?
What is an ‘insurable interest’?
Can I name any beneficiary I choose?
What happens if the insured person dies?
What am I required to do when I have a claim?
Do I need a lawyer to help me file a death claim?
What problems might we run into when filing a death claim?
Can a life insurance company deny a claim on a valid policy if the insured dies?
What if the insured lied about a heart attack?
What if the insured lied about his age?
What if the insured lied about his smoking?
What are ‘exclusions’ and ‘limitations’ and how do they affect my life insurance coverage?
If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?
Why are life insurance companies regulated by the government?
Who regulates them?
Can an insurance company refuse to sell me insurance for any reason it chooses?
Are there any limitations on what an insurance company can charge for insurance?
Can an insurance company cancel my policy for any reason it chooses?
Can I cancel my policy at any time and will there be a penalty?
If I miss a premium payment and get a cancellation notice, is there anything I can do to be able to keep the policy?
I have a large term-life policy in which my sister and brother-in-law are sole beneficiaries. On my behalf, they are paying the annual premium. Are there any tax consequences if they remain (1) beneficiaries or (2) joint owners of the policy? Is it necessary to inform the insurance company that my beneficiaries are paying the premium?
Should a minor child be named as a beneficiairy of life insurance proceeds?
I am pretty sure that my deceased grandmother had a life insurance policy, but I have no paperwork or other record. Is there a way that I can find out?
My friend was a beneficiary on her ex-husband's life insurance policy. In trying to collect for funeral expenses, she was told her divorce released her automatically as a beneficiary. Why?
When I was married to my ex, our wills listed our children to receive our life insurance. Now I have remarried but have not changed my original will. If anything happens to me, would my ex and his kids reap the benefits of the life insurance money?
Life insurance companies do a process called ‘underwriting’. What does that entail?
My mom is applying for a life insurance policy for my father who, up until now, has been the picture of health. A recent medical examination however showed an inoperable growth, which may be cancerous. What happens if my mom lies on the medical questions?
I was denied life insurance recently because, as a minor, I had been committed for attempted suicide. That incident occurred a number of years earlier. Can the company after a lapse of so many years use mental health as a reason to deny my application?
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