Frequently Asked Questions
The following are some of the most common questions we are asked, when it comes to life insurance and why to use Life's Best Insurances. Contact us if you have additional questions. We are here to help you!
Ok, so how much life insurance do I need?
The amount of life insurance you should have is dependent upon a number of factors but you should always ask
- How much will be needed at death to meet immediate obligations such as medical bills, mortgage or loan balances, and funeral costs and
- How much future income is needed to sustain the household? Obligations such as child care, college costs, etc. should also be considered.
Why life insurance?
Life Insurance provides a valuable safety net for your family in the event of your death. Ask yourself, "what would happen to my family if my income were to suddenly stop?" And even if you are single, Life Insurance can help to care for aging parents or siblings and pay off outstanding student loan debt so that your surviving family members are not faced with that burden.
Who is LifeBrain?
LifeBrain is a powerful Life Insurance Quoter that allows you to personalize your quote to meet your unique needs. We work with the largest and most recognized Life Insurance carriers in the industry to bring you benefit-rich and competitively priced products. We have teamed up with your insurance agent to make purchasing Life Insurance fast, easy, and stress-free.
Don’t you have to go through a long medical process to get insured?
In many cases, Life Insurance can be obtained without having to undergo medical underwriting. If you are healthy, have a clean driving record, and do not smoke, chances are pretty good you can qualify for Life Insurance without medical testing. Even if you have some health issues though, we encourage you to run a quote and speak with our underwriting experts. You may be surprised at how easily attainable Life Insurance is.
Why should I get a policy from you as opposed to any of your competitors?
Life Insurance is a very personal purchase and Life Insurance products are not one-size fits all. While many companies offer cut-rate Life Insurance, you won't always get the coverage that meets your specific needs. It's important to work with an agency and a Life Insurance company that you know and respect. We are here for the long-term and will be available to revisit your coverage during major life changes such as marriage, the birth of a child, a new home purchase or retirement planning.
So what happens after I buy a policy from you?
After you have purchased your Life Insurance policy, expect to receive a copy of the policy from the Life Insurance carrier. Keep this in a safe place along with your other important documents. Periodically, expect to hear from our office checking in to be sure the coverage is still adequate for your needs. If you experience a life change that may necessitate a change to your coverage, please reach out to us and we will be happy to help you explore new options.
Have a question? Give us a call at 858-514-7132