Life insurance is what everyone should have but many people have questions about it. This isn’t something that gets talked about a lot over the dinner table or anywhere else for that matter. That is why you need a good independent insurance agent who can help you sort out the facts and myths about life insurance. At David King Insurance Services LLC in Coppell, TX, we put the customer’s needs first and work hard to make sure we provide all the customer service you require.
Life Insurance: What You Need To Know
If I’m not married, do I need life insurance?
Marriage is not the only determining factor for having life insurance. Does anyone depend on your income? Do you have any debt and have you put aside money for your final expenses? You probably don’t need a lot of life insurance, but you should have some as part of your final planning.
Can I buy life insurance without a physical exam?
It is possible to buy a policy without getting a physical exam but, you will not get the best rate. You will also not have nearly as many options for policies as you would if you agree to get a physical.
Do I have to answer questions about my health honestly?
Yes, it is very important that you answer all questions on your application truthfully. If it is discovered that you answered anything untruthfully, your policy can be canceled. It isn’t worth taking a risk.
If I get life insurance at work do I need to buy my own?
Simply stated yes, do you want to leave someone in your HR department in charge of your family’s financial security? Do they understand what your family will need to survive without you? What if you change employers? It is always a good idea to have at least some of your own life insurance.
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Contact David King Insurance Services LLC in Coppell, TX with all your life insurance needs.
