Life insurance

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Questions About Life Insurance

Life Insurance: Get the answers you're looking for.

Why do I need life insurance?

To replace income, cover debts, and ensure financial security for dependents after your death.

Use a calculator based on income, debts, future obligations, and desired legacy. A common rule is 10×–15× your annual salary.

Term life covers a set period; Permanent (whole/universal) covers life and builds cash value.

Premiums depend on age, health, coverage amount, term length, and policy type. Quotes vary by insurer.

Many policies require medical underwriting; simplified issue or no-exam policies exist but cost more.

Can I have multiple policies?

Yes. You can stack employer-provided term coverage with a personal policy for more protection.

They submit a claim form and certified death certificate. Payout typically within a few weeks, often via direct deposit.

Common riders: waiver of premium, accelerated death benefit for terminal illness, child term rider, and accidental death benefit.

Generally no for individuals. Businesses may deduct premiums for group coverage under certain conditions.

Contact your insurer or agent to adjust beneficiaries, coverage amount, or riders. It’s recommended to review your policy annually or after major life events.

If you’d like personalized assistance, please provide your contact information and a member of our team will reach out directly to help you with any policy updates. You can also reach us at:

  • Email: support@simplestartinsurance.com
  • Phone: +1 786-730-9658

We’re here to guide you through any changes you need for your insurance coverage.