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Colorado Insurance Blog

Life insurance FAQs

If you think it is time to look into life insurance and have lots of questions, you are not alone. Taking a "How to choose life insurance" course would be great if such a thing existed. But since it doesn’t, you have to count on the internet or your local independent insurance agent. In Colorado, Integrity First Insurance has a team of knowledgeable agents who can help you make this critical decision. 

What type of life insurance should I purchase?

The type of life insurance you purchase depends on what you want from it. If you are looking at a long-term lifetime financial plan, then whole life is a good option. If you need a large amount of insurance for a period in your life, then term life insurance fits the bill. 

How much life insurance do I need?

You need enough life insurance to provide the protection for your loved ones they will require. This is a very personal decision and depends on many factors, including how much you can afford to pay. If you have small children, that increases the amount you will need to get them through to adulthood. 

Does being a smoker affect my ability to get life insurance?

Being a smoker won’t stop you from being able to get life insurance. However, it will affect your premium. The good news is, if you quit smoking, you can change the classification on your policy and likely lower your premium. 

What can cause my life insurance to be canceled?

The most common reason for life insurance policy cancelation is failure to pay the premium. If you are having financial difficulties, contact your carrier. They may be able to work with you to get you through a difficult time. If you put untruthful information on your application for life insurance, and it is discovered, your policy will be canceled. 

Contact Integrity First Insurance in Colorado for your life insurance needs. 

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