Term Life Insurance FAQs

At Matrix Direct, our team of friendly, knowledgeable and licensed insurance agents listens carefully to your specific objectives, asks the right questions, provides straightforward term life insurance information, and guides you through the application process. We're here to support you every step of the way so that you'll be able to make informed decisions about protecting the long-term financial well-being of your loved ones.

Term Life Insurance Information You Can Depend On

Here are our most common life insurance FAQs with answers:

COVERAGE NEEDS

  1. How much life insurance do I need?
  2. What length of term life insurance is best for me?
  3. How long are life insurance premiums guaranteed to stay the same?
  4. Will term life insurance premium rates increase as I age?
  5. What's my likely life insurance underwriting (rate) classification?
  6. Will my term life insurance rate class ever change?

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GETTING STARTED

  1. How do I get a life insurance quote?
  2. How accurate will my initial life insurance quote be?
  3. Why is it important to speak with a licensed life insurance agent?
  4. What if I apply for coverage, but change my mind later on?
  5. Are there payment options for my premiums?
  6. Can you tell me more about the life insurance carriers from which Matrix Direct offers policies?
  7. How can I be confident that the life insurance company will be in good financial health to pay my claim?

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LIFESTYLE

  1. Does Matrix Direct sell smoker’s life insurance?
  2. I’m currently a smoker, but plan to quit. Should I wait to apply?
  3. I’m young and single — do I need term life insurance?
  4. I have a group life insurance policy through work. Do I still need an individual policy?
  5. I’m an in-home caregiver. Do I need a life insurance policy?

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THE MEDICAL EXAM

  1. Why do I need a medical exam to get life insurance?
  2. What does the medical exam cover?
  3. What does the blood test entail?
  4. How do I prepare for the life insurance medical exam?
  5. Can I get life insurance coverage without taking a medical exam?
  6. What else is good to know for my life insurance medical exam?

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ABOUT MATRIX DIRECT

  1. How is Matrix Direct compensated?

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Click here for a glossary of life insurance terms »