Life Insurance FAQs
How much life insurance do I need?
Many households start with 10–15× annual income, then adjust for debts, education goals, and savings. Our guide shows quick and detailed approaches.
What’s the difference between term and whole life?
Term life covers you for a set period at lower cost; whole life lasts your entire life and builds cash value with higher premiums.
Can I get coverage without a medical exam?
Yes—some companies offer accelerated or no‑exam underwriting, typically with limits and health questions.
What affects life insurance pricing?
Age, health, tobacco use, coverage amount, term length, and policy type. Financial ratings and riders also matter.
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