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Here are some questions we're often asked about our LifeChoice®,
Simplified Whole Life Insurance. If there's something more you'd
like to know,
contact us.
Do I need a physical?
Will my rate go up every year?
As I get older, will you reduce my
benefit?
Can you cancel my coverage?
Is there a waiting period before
the full benefit takes effect?
Will this plan pay benefits even if
I have other insurance?
Does this plan build cash value?
What if I apply for coverage, but
change my mind later?
How do I get in touch with you for
customer service?
Does it pay to act now?
What does simplified issue mean?
What type of payment options do you
offer?
Do I need a physical?
You don't have to get a physical now or ever. Your answers
to a few health questions will help determine your eligibility.
Will my rate go up every year?
No, once you're insured, your rate will never go up.
As I get older, will you reduce my benefit?
No. After your coverage begins, your benefit will not
decrease as you grow older or if your health changes.
Can you cancel my coverage?
As long as you pay your premium, only you can cancel your
coverage.
Is there a waiting period before the full
benefit takes effect?
Your policy becomes effective on the day your application
is approved, and you're covered in full from day one.
Will this plan pay benefits even if I have
other insurance?
Of course. This plan will pay benefits directly to your
beneficiary in addition to any other insurance you might have.
Does this plan build cash value?
Yes, after your first year of coverage, your LifeChoice®
coverage begins to accumulate cash value -- money you can borrow against for
any reason.
What if I apply for coverage, but change my
mind later?
Count on our 30-Day Money Back Guarantee for peace of mind.
If you decide this coverage isn't for you, just return your insurance documents
within 30 days after receiving them for a complete refund, no questions asked.
How do I get in touch with you for customer
service?
We've built our reputation on satisfied customers. When you
receive your insurance documents, you'll also receive a customer guide with our
toll-free service hotline. This special toll-free number will put you directly
in touch with our service team. Your guide will also include information on how
to change your payment plan, change a beneficiary, or file a claim.
Does it pay to act now?
Your rates will never be lower than they are right now. The
younger you are when your coverage starts, the lower your rates will be for
life.
What does simplified issue mean?
Simplified issue means that you don't have to complete a
lengthy health questionnaire or get a physical to apply for coverage. Your
answers to a few health questions will help us determine your eligibility.
What type of payment options do you offer?
When you apply online
for coverage you can either use a credit card or pay by direct bill.
If you select the direct bill option we'll send you a bill with your policy,
and then continue to bill you monthly or annually, depending on the frequency
you select. If you change your mind later, you can switch to the billing method
that's most convenient for you.
In addition to direct and credit card billing,
we also offer automatic deduction from your checking or savings account
in most states. This option is not yet available for online
applications, but you can easily switch to it after you've made your first
payment.
It's so easy to take the next step. There's absolutely no
obligation on your part.
Questions? Call us toll free 1-877-860-4261
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