What coverage does term life provide?
The standard term life policy covers death by any cause at any time in any place, except for death by suicide within the first two policy years (one year in some states), as long as it’s within the term of your policy. You will need to discuss heart disease, cancer, diabetes and other serious illnesses during the application process. Expect to also be asked about heart disease or cancer in your family and whether or not you engage in any risky hobbies or activities, as well. A brief face-to-face interview with a paramedic technician is usually required for coverage amounts above $250,000.
