F.A.Q.

20 Frequently Asked Questions

By James Tobin 

Below are brief  answers to 20 of the most common questions asked about life insurance.  For more in-depth  discussion of the question follow the links  provided in the answers. if you need help you can always call the Life Insurance Help Desk.

20 Questions

What Types Of Life Insurance Are There? 

How Much Life Insurance do I need?

how Much Does Life Insurance Cost?

what is The Application Process

Do I need to take an Exam

How Long Will Underwriting take?

Will My Driving History matter?

What About SCUBA Diving or Other Risky Activities?

how Long do I Need to Quit Smoking to be a "non-smoker"?

What are the best Life Insurance Carriers?

What are policy riders?

Do all policies have living benefits?

Is there a cost break if I pay annually?

How long before a beneficiary is paid out?

Can I change the beneficiary?

Can I sell or gift the policy?

Is there any cash accumulation in  the policy?

Should I just bundle my life insurance with my home and auto?

Why should I use an independent broker?

More questions...more answers

Should you have questions that need answers, we are here to help. Please contact us at the Life insurance Help Desk or call  (203) 424-1100.