Here are honest answers to the questions people ask most often about life insurance.
Can I get life insurance with pre-existing conditions?
Usually yes. Conditions like diabetes, high blood pressure, and high cholesterol don't disqualify you - but they may affect your premiums. Well-managed conditions are viewed more favorably. Some conditions (like certain cancers or recent heart attacks) may require waiting periods.
Does life insurance cover suicide?
After the contestability period, yes. Most policies have a 2-year contestability period. After that, the policy covers all causes of death including suicide.
What happens if I lie on my application?
It can void your policy. During the 2-year contestability period, the insurance company can investigate claims and deny benefits if material misrepresentations are found. Always be truthful on your application.
Can I have multiple life insurance policies?
Yes. Many people layer policies - for example, a $1M 20-year term for their peak earning years, plus a $250K 30-year term for mortgage protection.
Do I need life insurance if I'm single with no kids?
Maybe not - but there are reasons to consider it. If anyone would be financially impacted by your death (aging parents, a partner, co-signed loans), coverage may make sense. Also, buying young locks in low rates for the future.
How long does it take to get approved?
1 day to 6 weeks depending on the type. No-exam policies can be approved in hours. Fully-underwritten policies with a medical exam typically take 2 to 6 weeks. Ready to explore your options? Visit our life insurance page or schedule a free consultation.