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Homemakers need coverage for at least as long as their dependents children, invalids, etc. The completed application is then sent to you for review and signature. As an independent company, we can explore many carriers for our clients dependent on their needs. The policy only pays a death benefit if the insured individual dies before the policy expires. The policy owner is responsible for paying premiums in order to maintain the policy in force. Generally, the younger you are, the more insurance you need to replace a loss of lifetime income for your beneficiary. Is A Medical Exam Required? If the insurer is willing to accept your application, they will send you an offer. Most life insurance companies require a medical exam as part of the life insurance application process. The policy owner is responsible for paying premiums in order to maintain the policy in force. Whole Life Insurance — These policies guarantee coverage up to a certain age usually age 95 or and provide cash value, which means that they can be liquidated for cash in the event the insurance is no longer needed. There are four parts to a life insurance contract:

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