FREQUENTLY ASKED QUESTIONS
FREQUENTLY ASKED QUESTIONS
Life Insurance 101
Term life insurance offers numerous benefits, and the key is to tailor it to your specific needs. Our agents can guide you through a quick and easy needs analysis to identify the most suitable term for you.
Term life insurance serves various purposes, including:
- Income Replacement
- Covering Debts and Expenses
- Estate Planning
- Business Continuation
- And more
Deciding whether you need life insurance depends on your personal circumstances and financial goals. Here are some factors to consider:
- Do you have dependents?
- Do you have significant debt and financial obligations?
- Are you the primary breadwinner in your household?
- Proper estate planning: How will your assets be managed after your death?
- Business ownership: How will your business continue after your death?
- Financial goals and retirement plans: Are they in place and adequately funded?
- Health and age: The cost of insurance is largely influenced by these factors. The younger and healthier you are, the less expensive it is. Conversely, the older you are and the more health issues you have, the higher the cost may be.
Considering these factors can help you determine if life insurance is right for you.
Yes, even if you are a stay-at-home individual, life insurance can still be relevant and beneficial for several reasons:
- Non-traditional income contributions: Your efforts in the household are valuable and often include tasks that would need to be replaced if you were no longer there, such as childcare, housekeeping, meal preparation, transportation, and more.
- Funeral and final expenses: Covering these costs can prevent financial strain on your family.
- Debt and financial obligations: Ensuring these are managed can provide financial stability.
- Long-term planning: Securing your family's future and financial well-being.
The amount of coverage you need depends entirely on your individual needs and current situation. Our agents will guide you through a quick and easy needs analysis to determine the right amount of coverage for you.
About Infinite
The coverage amount will vary based on your needs. Our agents will guide you through a quick and easy needs analysis to determine the right amount of coverage for you.
Absolutely! We help countless families get insured all the time. The process is simple and quick.
We have active over 50+ agents. Who are trained and well versed in both Life & Health Insurance services. Our experts are available and ready to assist you right now!
Application Process
Most insurance carriers follow similar payment guidelines, which may include:
- EFT (Electronic Funds Transfer using banking account and routing information)
- Credit/Debit card payments (depending on the carrier)
- SSN Direct Express Card or Social Security Direct Billing
Insurance carriers require an application submission to determine a client's eligibility based on medical records, motor vehicle reports, and background history.
Reasons why Social Security is needed:
- Medical records: Insurance companies run a Medical Information Background check to determine health risks and prescribed medications. This information is underwritten directly using Social Security, and no credit checks are pulled.
- Identity purposes: Social Security numbers are used to pull background history checks for the appropriate individual.
Reasons why a Driver’s License is needed:
- Motor Vehicle Reports: The insurance company uses the driver’s license to request the necessary reports.
- Identity verification: The driver’s license helps verify the identity of the individual.
Other Questions
That’s no problem! We are partnered with several "A" rated insurance carriers. Our agents will assist you in finding the right coverage options that meet your budget.
Our agents are experts at finding the best coverage options at the most competitive rates. Life insurance doesn't need to be expensive. Our agents will help identify your needs and match you with the right coverage options that fit your budget.
Contact Us
Available: Monday - Friday
9am - 6pm EST
Contact Us
Available: Monday - Friday
9am - 6pm EST