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Life Insurance Basics
Life insurance involves making regular payments to a provider like Surevix, who will offer a financial payout to your loved ones in the event of your passing.
Term life insurance offers a simple and cost-effective way to secure life insurance coverage for a specific period, known as the “term.”
If you’re married, have children or dependents, own a home, or run a business, life insurance is likely essential for you.
The right policy depends on your individual circumstances. Understanding your coverage requirements will help you determine which type of life insurance is best suited for you.
Certain life milestones often indicate it’s time to secure life insurance. Additionally, getting a new policy can provide peace of mind during these important moments.
It’s likely that your work-provided coverage isn’t enough. Plus, this insurance usually expires if you leave the company.
Your coverage requirements depend on your unique situation. When selecting a policy, assess what you’re protecting to determine the appropriate amount of coverage.
The ideal term length varies based on factors such as your children’s age, how close you are to retirement, and the duration of your mortgage.
A rider is an add-on to a life insurance policy that provides extra coverage or benefits.
Underwriting is the process through which life insurance companies assess your eligibility for coverage and determine the cost of your policy.
A beneficiary is the individual or individuals who will receive the policy benefits if you pass away while your coverage is active.
A death benefit is the lump-sum payment your beneficiary receives upon your passing. In most cases, it is not subject to taxes.
Yes, you can designate multiple beneficiaries for your life insurance policy.
Accidental death insurance only offers coverage if death occurs as a result of a covered accident, whereas life insurance provides broader protection.
This policy is typically ideal for individuals over the age of 65.
Guaranteed Issue Whole Life policies offer numerous benefits, making them a popular choice for many individuals.
This policy offers several advantages, including no medical exams, fixed premiums, cash value accumulation, and guaranteed approval.
Life insurance coverage can be understood in two ways: the expenses it helps cover and the types of death it provides protection for.
Permanent life insurance provides lifelong coverage and usually includes a cash value component that grows over time.
Surevix
Surevix simplifies the process for families to obtain affordable life insurance coverage, ensuring the protection of their loved ones.
US citizens and permanent residents between the ages of 20-85 can apply for coverage in every US state, except New York.
The death benefit is ultimately available for the beneficiary to use at their discretion.
Yes, all policies come with a 30-day money-back guarantee. After the initial period, you can cancel at any time without incurring additional fees.
Application
You can easily apply for personalized coverage online in just a few minutes. If you have any questions, our team is here to assist you.
Once submitted, underwriters will review your application and either approve it, request additional information, or deny it.
You can start an application and withdraw at any time without facing any penalties.
Surevix
You can access your policy details after activation through your Surevix portal at app.surevix.com/login.
No, all term policies offered by Surevix have level premiums, meaning your rate will remain the same throughout the term.
To update your beneficiaries, simply email us at [email protected], and we’ll assist you with the changes.
To update your contact details, send the changes to [email protected].
To manage your policy, log in to your account or contact customer care for assistance.
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