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Frequently Asked Questions

What are examples of life insurance?

One of the most common examples of life insurance concealment is when an individual does not tell the insurance company that he smokes. The individual could smoke two packs of cigarettes per day and then not tell the insurance company this when he fills out the application for a life insurance policy.

What is standard life insurance policy?

Standard life insurance is any life insurance that does not have limitations on the manner of death. If the person who is insured dies during the term of the policy, the insurance company is obligated to pay the life insurance benefit.

What are the parts of a life insurance policy?

Parts of an insurance contract Declarations - identifies who is an insured, the insured's address, the insuring company, what risks or property are covered, the policy limits (amount of insurance), any applicable deductibles, the policy period and premium amount.

What are the basics of life insurance?

The basic concept of life insurance is simple: a person (insured) contracts with a life insurance company (insurer)to provide a specified amount of money to people (beneficiaries)he or she designates in the event of the insured’s death. The insured agrees to pay a specified amount of premium to the insurer to cover its costs of insurance.


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