If I have term life insurance and dont die within the term, will I get a refund of the premium?
Yes. There are Return of Premium Life Insurance policies that do return the premium. These policies usually charge premiums up to 40% higher (or more) for the same amount of term life coverage. • Does life insurance pay benefits for any type of death? No. Usually suicide is not covered by your policy if it occurs within 2 years of policy inception. In some states this requirement may only be one year. • If I have an existing medical condition, will I be able to get life insurance? Yes. Some life insurance companies specialize in finding coverage for people with existing medical conditions. Its best to request quotes from a few quote providers, though, because your rates may vary dramatically from one insurer to another. If you are unable to get accepted, you may want to consider Guaranteed Acceptance Life Insurance. • What is an Accelerated Death Benefit? Learn how you may benefit from having an Accelerated Death Benefit on your life insurance policy. • Who can you insure for life insu
