How do I determine what coverage is right for me?
Determining what type of coverage is best for you would depend on what your concerns or needs are right now. Some individuals are interested in getting several polices to cover different concerns such as more permanent policy with an investment component, a critical illness policy in case of a critical illness and/or annual travel package. Some are looking for assistance with their mortgage. One way to help you determine what is best for you would be best to sit down with a financial broker/advisor to discuss your financial goals and needs.

Is there any benefits going to an Insurance Broker/Advisor?
Yes. A broker/advisor represents you the client to find you the best coverage and best cost from several insurance providers. An insurance agent represents only one insurance provider.

Is my policy effective right away?
The actual effective date is determined once the underwriting process is done and the provider approves the policy. If you've given a payment with your application, you may qualify for temporary insurance

Is the application form the only thing needed to apply for insurance? Will anything else be required?
The insurance company uses the application form to obtain family history and medical data information. These details help the providers determine if a policy can be issued. Applications may not contain all the information required to issue a policy. Additional information from other sources including your physician or additional medical test may also be required at times.

Why would I need disability insurance if I have workers compensation?
Worker's compensation only applies if you are hurt on the job. Statistically, you are more likely to be injured doing a recreational activity like playing baseball or basketball.

When can I retrieve cash value within my policy?
If your policy contains cash value, it can be retrieved at the surrender of your policy. It is important to note that the value may be less any applicable surrender charges.

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