The amount of life insurance you need depends on various factors, including your income, debts, family situation, and long-term financial goals. A common rule of thumb is to have coverage that's 10-15 times your annual income. Our agents can help you determine the right amount for your specific situation.

If you have dependents who rely on your income, life insurance provides essential financial protection for them. It can cover expenses like mortgage payments, education costs, daily living expenses, and outstanding debts if something happens to you. Even if you're single, a policy can help cover your funeral expenses and any debts you leave behind.

Most policies have a grace period of 30-31 days after your premium due date. If you pay during this grace period, your coverage continues uninterrupted. If you don't pay by the end of the grace period, your policy may lapse, meaning your coverage ends. Some policies offer reinstatement options if you act within a certain timeframe.

Yes, many policies allow you to change your coverage amount. Increasing coverage may require additional underwriting, while decreasing coverage is usually straightforward. Contact customer service to discuss your options for adjusting your policy to meet your changing needs.

Once a claim is filed with all required documentation, most beneficiaries receive the death benefit within 30 days, often sooner. The process is designed to be straightforward and efficient during a difficult time for your loved ones.