Name: Life Insurance
Brand: FIG Insurance

Question 1

What is the difference between term and whole life insurance?

Accepted Answer

Term life provides coverage for a set period (10, 20, or 30 years) and is more affordable. Whole life provides lifetime coverage and builds cash value over time but costs more. FIG agents help you determine which is right for your situation.

Question 2

How much life insurance do I need?

Accepted Answer

A common guideline is 10–15 times your annual income, but the right amount depends on your debts, mortgage, dependents, future education costs, and final expenses. FIG agents can help you calculate the right coverage.

Question 3

Can I get life insurance with pre-existing conditions?

Accepted Answer

Yes. Many carriers offer life insurance to people with pre-existing conditions, though premiums may be higher. Some policies don't require a medical exam. FIG works with multiple carriers to find options that fit your health profile.

Question 4

When should I buy life insurance?

Accepted Answer

The best time is as early as possible — premiums are lowest when you're young and healthy. Key life events like marriage, buying a home, or having children are also ideal times to purchase or increase coverage.

Question 5

How do life insurance beneficiaries work?

Accepted Answer

You name one or more beneficiaries who will receive the death benefit when you pass away. Beneficiaries can be individuals, trusts, or organizations. You can change beneficiaries at any time by contacting your carrier or FIG agent.

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