A: There are several types of life insurance, each with its own features and benefits the most common being: ·Term Life Insurance (Fixed/ Decreasing): Provides coverage for a specific term, such as 10, 20, or 30 years It is generally more affordable than permanent life insurance. · Permanent (Whole) Life Insurance: Coverage for the entire lifetime of the insured.

A: Yes, a standard life policy can expand to include coverage for: ·Permanent Total Disability due to (Accident and/ or illness). ·Permanent Partial Disability due to (Accident and/ or illness).

A: The underwriting process is a method to assess your risk based on the medical exam (if needed), answers on the application, to conclude whether or not to approve, deny, or rate up a life insurance policy.