Life Insurance FAQs
Can I get coverage without a medical exam?
Yes. Some carriers offer no‑exam policies for eligible applicants—often with lower coverage amounts or slightly higher premiums.
What happens if I stop paying my premium?
Your policy may lapse after a grace period. Some permanent policies can use cash value to keep coverage active for a limited time.
Will smoking or vaping increase my premium?
Usually yes. Tobacco or nicotine use typically places you in a higher rate class. Some carriers treat occasional cigars differently—disclose usage accurately.
What’s mortgage protection insurance?
It’s term coverage designed to help pay off or cover mortgage payments if the insured dies—often matched to the loan balance and term length.
Can I get coverage without a medical exam?
Yes. Some carriers offer no‑exam policies for eligible applicants—often with lower coverage amounts or slightly higher premiums.
What happens if I stop paying my premium?
Your policy may lapse after a grace period. Some permanent policies can use cash value to keep coverage active for a limited time.
