Questions
Questions people in Los Angeles ask
Plain answers to the term life questions Los Angeles households bring to the agency.
Should a stay-at-home parent have life insurance?
Often, yes. A parent at home does work the family would have to pay for if that parent died: childcare, school pickups, meals, care for a grandparent. A term policy on that parent can cover those costs for the years the children are young. You can quote it the same way you would for a working parent.
What happens when my term ends?
Coverage stops at the end of the term unless you act. Many term policies let you renew year by year at a much higher price, and many also let you convert to a permanent policy without new health questions during a set window. The details differ by carrier, so read the renewal and conversion sections of your policy.
Is the life insurance from my job enough?
It may help, but it is often not enough on its own. Group coverage through work is frequently a set amount or a multiple of salary that may fall well short of what your household would need, and it usually ends when you leave the job. A personal policy stays with you whatever happens at work. Check your benefits summary to see what you actually have.
Can a policy help with a loan I co-signed or family I support abroad?
Yes. If you share a loan with someone, such as a co-signed car or student loan, the death benefit can go to a beneficiary who uses it to pay that debt. If you send money to parents or relatives in another country, count that support when you choose an amount. Carriers have their own rules for beneficiaries who live outside the United States, so ask the agency before you name one.
What if I move out of California after I buy?
The quotes on this site are for California residents. If you buy a policy and later move to another state, most term policies stay in force as long as premiums are paid. Tell the carrier your new address so bills and notices reach you.
How long does an application take?
The online part is a set of questions about your health, history and work, and you can stop and resume whenever you need to. How long a decision takes varies by carrier: some decide from your answers and records, while others order an exam or ask your doctors for information, which takes longer. Nothing is in force until a policy is issued and you accept it.
Can I have more than one life insurance policy?
Yes. Many people hold more than one, for example coverage through work plus a personal policy, or two term policies with different lengths. Carriers ask about coverage you already have and usually look at the total when they decide how much to offer. A shorter term layered on a longer one can match coverage to a home loan you expect to clear before the children are grown.
Does using cannabis count as tobacco on the quote?
The tobacco question on the quote form is about tobacco and nicotine, so answer it for those. Carriers treat cannabis differently from one another, and how often and how you use it can matter. Answer the application’s questions about it honestly, and call (877) 411-5200 if you want help comparing carriers on this before you apply.
Something else on your mind? Call (877) 411-5200 or send a message.
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