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The amount of life insurance you need can vary based on a number of factors. Generally speaking, to find the amount of life insurance you might need by calculating your long-term financial needs and obligations and then subtract your assets. The remaining amount is how much your life insurance policy would need to cover.
There are different types of life insurance policies - the main ones include term life insurance, whole life insurance, and universal life insurance.
A life insurance premium is the recurring payments you make in order to maintain your insurance policy. Your premium is set by your insurance company, is based on a number of factors and can be paid for in monthly, semi-annual or annual payments. You make these payments for the duration of the policy as set by your insurance company.
Yes, a health exam is required in order for the insurance company to determine if you are insurable and helps to determine the policy premium.
A life insurance beneficiary can be a family member, friend, business partner, charitable organization or a legal entity such as an estate or trust.