Life Insurance needs can best be determined by consultation with an experience Life Insurance Professional.  To request assistance please contact us 952-469-0414

Can I have more than one Life Insurance Policy?

Yes. You could have a permanent life insurance policy and add a supplemental term life policy for a short-term need.

Are Medical Exams always required to purchase Life Insurance?

No. Group policies don't usually require medical exams unless you are buying Supplemental Group Life, or asking for a higher amount than the standard coverage level for the policy. Some companies may issue personal policies with benefits up to $100,000 or $150,000 without requiring a medical exam. They will however require you to release your medical information so that they can determine if you are eligible.
Can I buy a policy on the Life of someone else?

Yes, but only if you have an "insurable interest" in that person. This usually means a relative, a husband or wife, domestic partner, live-in companion, or a business partner. There are specific products available for special situations. Call us and we would be happy to assist you in determining the best product for your needs.

Do I need Life Insurance if I'm a Young, Single Person?

An advantage to buying life insurance now is your premiums will be low. If you have dependents in the future, you will have locked in the lowest rates, and you will have guaranteed "insurability" because you won't have to take a medical exam for life insurance in the future.