General Life Insurance Questions
	Life Insurance Articles
	Beneficiaries
	Buying life insurance
	Cancellation
	Eligibility
	Exclusions and limitations
	Death claims
	Government regulation
	Physical examination
	Rates
	Tracking down missing policy and benefits
	Types of life insurance

   Long Term Care
   Property Insurance
   Viaticals

    FAQs

• Are there any limitations on what an insurance company can charge for insurance?
• Can an insurance company cancel my policy for any reason it chooses?
• Can I cancel my policy at any time and will there be a penalty?
• What is an ‘insurable interest’?
• What am I required to do when I have a claim?
• What factors are considered in individual life insurance underwriting?
• Is a physical exam needed?
• What is group life insurance?
• Can I buy a policy on someone else's life? What is an ‘insurable interest’?
• Can I name any beneficiary I choose?
• What happens if the insured person dies?
• Do I need a lawyer to help me file a death claim?
• Can a life insurance company deny a claim on a valid policy if the insured dies?
• What are ‘exclusions’ and ‘limitations’ and how do they affect my life insurance coverage?
• Why are life insurance companies regulated by the government?
• Can an insurance company refuse to sell me insurance for any reason it chooses?
• Life insurance seems complicated -- what are the basics?
• What is a life insurance policy?
• What problems might we run into when filing a death claim?
• What if the insured lied about a heart attack?
• What if the insured lied about his age?
• What if the insured lied about his smoking?
• Who regulates them?
• What is individual life insurance?
• If I miss a premium payment and get a cancellation notice, is there anything I can do to be able to keep the policy?
• If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?
• I am pretty sure that my deceased grandmother had a life insurance policy, but I have no paperwork or other record. Is there a way that I can find out?
• Should a minor child be named as a beneficiairy of life insurance proceeds?
• I have a large term-life policy in which my sister and brother-in-law are sole beneficiaries. On my behalf, they are paying the annual premium. Are there any tax consequences if they remain (1) beneficiaries or (2) joint owners of the policy? Is it necessary to inform the insurance company that my beneficiaries are paying the premium?
• I was denied life insurance recently because, as a minor, I had been committed for attempted suicide. That incident occurred a number of years earlier. Can the company after a lapse of so many years use mental health as a reason to deny my application?
• Life insurance companies do a process called ‘underwriting’. What does that entail?
• My mom is applying for a life insurance policy for my father who, up until now, has been the picture of health. A recent medical examination however showed an inoperable growth, which may be cancerous. What happens if my mom lies on the medical questions?

    FAQs

• The Importance of Dates in Your Insurance Policy
• Knowledge of the Health Insurance and Life Insurance Agent
• The Life, Disability and Health Insurance Agent
• The Insurable Interest in a Life Insurance Policy
• The Making of a Life, Health and Disability Income Insurance Policy

    FAQs

• Can I name any beneficiary I choose?
• My friend was a beneficiary on her ex-husband's life insurance policy. In trying to collect for funeral expenses, she was told her divorce released her automatically as a beneficiary. Why?
• Should a minor child be named as a beneficiairy of life insurance proceeds?
• I have a large term-life policy in which my sister and brother-in-law are sole beneficiaries. On my behalf, they are paying the annual premium. Are there any tax consequences if they remain (1) beneficiaries or (2) joint owners of the policy? Is it necessary to inform the insurance company that my beneficiaries are paying the premium?
• I purchased a life insurance policy to be used for my childrens' college education. I don't know how to safely designate how the money should be given out. Can I just name an executor?
• After my father died, we found 2 life insurance policies which my mother collected on. We have reason to believe someone may have had an additional insurance policy and collected the benefits. Is there any way to find out if there was an insurance policy, what was the company, and who collected the benefits?
• In 1993 I was made beneficiary of a prepaid life insurance policy. Two years later the policy owner died and I had moved and forgot all about it. How do I find out if I am entitled to the payout of the policy after all these years?
• We are missing the statement of beneficiary from my father's life insurance policy. As a consequence, the insurance company wants to pay the benefits to my father's estate. Is it not the responsibility of the insurance company to make sure that beneficiaries are designated for the policies they sell?
• If an insured designates a specific person as the irrevocable beneficiary of a life insurance policy, does the person so designated acquire a vested interest in the policy?
• Does a life insurance beneficiary description reading ‘to my wife, joan’ remain payable to her even though we are divorced?

    FAQs

• What is an ‘insurable interest’?
• What factors are considered in individual life insurance underwriting?
• Can I buy a policy on someone else's life? What is an ‘insurable interest’?

    FAQs

• Can an insurance company cancel my policy for any reason it chooses?
• Can I cancel my policy at any time and will there be a penalty?

    FAQs

• What is an ‘insurable interest’?
• What factors are considered in individual life insurance underwriting?
• Can I buy a policy on someone else's life? What is an ‘insurable interest’?
• Can an insurance company refuse to sell me insurance for any reason it chooses?
• Can I be denied life insurance because of a previous stay in a mental health facility or taking anti-depressives over 2 years ago?
• I was denied life insurance recently because, as a minor, I had been committed for attempted suicide. That incident occurred a number of years earlier. Can the company after a lapse of so many years use mental health as a reason to deny my application?

    FAQs

• What are ‘exclusions’ and ‘limitations’ and how do they affect my life insurance coverage?

    FAQs

• What am I required to do when I have a claim?
• What happens if the insured person dies?
• Do I need a lawyer to help me file a death claim?
• Can a life insurance company deny a claim on a valid policy if the insured dies?

    FAQs

• Why are life insurance companies regulated by the government?
• Who regulates them?

    FAQs

• Is a physical exam needed?

    FAQs

• Are there any limitations on what an insurance company can charge for insurance?

    FAQs

• Could you avoid probate by leaving a deed filled out and notarized but not filed until death?
• How can I find my deceased brothers annuity or life insurance policy?
• In 1993 I was made beneficiary of a prepaid life insurance policy. Two years later the policy owner died and I had moved and forgot all about it. How do I find out if I am entitled to the payout of the policy after all these years?
• After my father died, we found 2 life insurance policies which my mother collected on. We have reason to believe someone may have had an additional insurance policy and collected the benefits. Is there any way to find out if there was an insurance policy, what was the company, and who collected the benefits?
• We are missing the statement of beneficiary from my father's life insurance policy. As a consequence, the insurance company wants to pay the benefits to my father's estate. Is it not the responsibility of the insurance company to make sure that beneficiaries are designated for the policies they sell?

    FAQs

• What is group life insurance?
• What is individual life insurance?
• Some people try to buy types of life insurance that does not ask any medical questions. What kinds are those?