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The well-informed policy owner

Tips to get the most from your life insurance

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Quotacy, Inc. website assets: grayscale national news media logos.

Your Life Insurance Policy

 

How-to guide for policyholders

As your life evolves, so does your insurance

Your self-guided life insurance needs review
Review your own life insurance coverage needs via our eleven guided questions. No means your current coverage is golden. Yes means change your coverage or your beneficiary.

  1. Why did you originally buy life insurance? Has your protection goal changed?
  2. Have you increased your mortgage via a home or vacation property purchase?
  3. Have your increased your debt?
  4. Have you or your spouse/partner changed jobs? Did your income or benefits change significantly?
  5. Do you or your spouse/partner plan on taking early retirement soon?
  6. Did you get  married or divorced?
  7. Have you added children or grandchildren to your family?
  8. Have your kids moved out or returned home to live with you?
  9. Has anyone in your family had serious health issues?
  10. Have you done estate planning? Updated your will or power of attorney? Inherited money?
  11. Do you need to change the beneficiary on your life insurance policy?

Our life insurance agents can help your coverage evolve to match your changing lifestyle.

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: When Should You Review Your Life Insurance Policy?

 

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Your life insurance after a divorce

A divorce, especially one involving children, can be a change that impacts your life insurance needs. Our life insurance agents can help your coverage evolve to match your changing lifestyle.

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: Divorce and Your Changing Life Insurance Needs

 

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Your life insurance after new baby
Congratulations on your new baby. Look at your current policy to check if your beneficiary is the guardian of your child. If so, you do not need to make any changes to your beneficiary. Minors, like a new baby, cannot be life insurance beneficiaries, but be sure to update your will and living trust with your baby’s name. You may want to consider buying a second life insurance policy if you need more coverage. Our life insurance agents can help your coverage evolve to match your changing lifestyle.

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: Life Insurance for New Parents

 

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How to name or change your beneficiary
Contact your life insurance company to fill out a change of beneficiary form.

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: Your Life Insurance Beneficiary Review Guide

 

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If you need more coverage
If you currently own life insurance and need more, purchasing a new or an additional life insurance policy is common. For example, if you purchased a $250,000 life insurance policy after you got married and now ten years later have three children and decide you want $750,000 in coverage, you have two options: apply for a new $750,000 policy or apply for a second $500,000 policy. Talk to your agent to determine which option makes the most sense for your situation.

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: Purchasing Multiple Life Insurance Policies

 

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How to file a life insurance claim
Our Survivor’s Guide is a helpful resource if you are dealing with the loss of a loved one.

Here is a simple road map for filing a life insurance claim:

  1. Contact your life insurance agent or employer, if it’s a life insurance policy from a benefit’s package.
  2. Obtain a copy of the official death certificate.
  3. Complete a claim form from your insurance company.
  4. Submit your claim paperwork, IRS forms, and the death certificate to the insurance company.

If you need assistance, you can livechat, text, email, or talk with one of our advisors.

Learn more: How to File a Life Insurance Claim

 

Get your quote  Estimate your needs

Our advisors are here for you

Livechat, text, email, or talk with us

Quotacy, Inc. website assets: grayscale trusted life insurance carrier logos.
Quotacy, Inc. website assets: grayscale trusted life insurance carrier logos.
Quotacy, Inc. website assets: grayscale trusted life insurance carrier logos.
Quotacy, Inc. website assets: grayscale trusted life insurance carrier logos.