Most people overpay for life insurance — or skip it entirely — because of bad information. These guides change that.
These are the things people believe that stop them from getting covered. Let’s fix that.
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Having coverage is the first step — these tips help make sure it actually works the way you intend when the time comes.
When the time comes, your family will need more copies of the death certificate than they expect — typically 8 to 12. Each institution (insurance company, bank, mortgage lender) usually requires its own original. Order extras upfront to avoid delays.
Store your policy documents somewhere your beneficiaries can actually find them — a fireproof safe, a shared folder, or a printed copy with your will. The most common reason claims are delayed is that families can't locate the policy number or carrier information.
Life changes — marriage, divorce, new children, deaths in the family. Your beneficiary designation overrides your will, so an outdated name on file can send your death benefit to the wrong person. Review it every year and after any major life event.
Every carrier has a different process for filing a claim. Ask your carrier now — while things are calm — exactly what your beneficiaries will need to do. Write it down and keep it with your policy documents so they're not figuring it out in a crisis.
Your life changes, and so should your coverage. A raise, a new home, another child, or a change in health can all mean your current policy is either too small or possibly overpriced. A free review with me takes one call and costs you nothing.
If you have a whole life or IUL policy, you may have accumulated cash value you're not aware of. This can be borrowed against for major expenses without surrendering your policy. Check your latest statement or call your carrier to see where you stand.
Some policies have riders or provisions that are triggered by qualifying health events. If you've been diagnosed with a serious illness, contact your carrier — you may be entitled to accelerated benefits that can help cover care costs while you're still alive.
Billions of dollars in life insurance go unclaimed every year because beneficiaries didn't know a policy existed. Make sure the people named on your policy know it's there, who the carrier is, and where the documents are stored.
If it's been more than a year since you looked at your coverage, let's make sure it still fits your life. One call, no cost, no obligation.
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