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5 Questions You Should Ask Your Life Insurance Company in Charlotte

The Jordan Insurance Agency
5 Questions You Should Ask Your Life Insurance Company in Charlotte

Life insurance can protect you and your family from unanticipated challenges that life brings. However, when you plan to buy one, you may feel baffled going through countless options available. But life insurance is a crucial form of financial coverage and therefore, it is important that you thoroughly understand everything about the policy. So, before you buy one, ask these five questions to your life insurance company in Charlotte.

Which life insurance policy will best fit my needs? 

There isn’t a one-size-fits-all approach when it comes to buying life insurance. Therefore, the insurer will first evaluate your needs and then recommend the most suitable plan and coverage. Are you looking for long-term life insurance coverage? Or do you need a policy that covers your short-term financial needs? Do you have pre-existing health conditions? How many children or dependents do you have? How much can you pay as a premium? 

The insurance company will assess your answers to these questions and find a policy that best suits your needs & budget. 

What does my health insurance plan cover? 

This is a vital question to ask your life insurance company in Charlotte – what does the plan cover? Depending on your requirements, health insurance plans may cover the following:

  • Hospitalization, medical, or surgical expenses 
  • Long-term or short-term disability coverage 
  • Vision and dental coverage 
  • Diagnosis tests, doctor consultations, and prescription drugs    

You can have other benefits included in the plan depending on the coverage you want. 

Does my life insurance plan provide maturity benefits? 

Often, people would refrain from buying life insurance thinking they will not get any return if they do not die during the coverage period. Instead of extending your coverage, consider a life insurance plan that provides maturity benefits. In this case, you will get survival benefits at the end of the policy maturity period. 

Does the policy cover critical illness? 

Ideally, life insurance plans do not cover critical illness. However, some providers offer critical illness as an inclusion in their life insurance products. 

How efficient is your claim settlement process? 

The efficiency and promptness with which you can make a life insurance claim determine the professionalism of the insurer. Check reviews and ask about their claim settlement ratio. 


Not feeling confident about buying a life insurance policy? An expert insurance broker in NC can help you find the right coverage and benefits that match your needs.

The Jordan Insurance Agency
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