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Frequently Asked Questions

• How much life insurance do I need?
• What is the difference between term and whole life insurance?
• Should I buy life insurance for my husband/wife or children?
• Why should I buy life insurance through a separate company if I already have life insurance through my employer?
• I'm not in the best of health. Can I get life insurance at an affordable rate?
• I'm going through a divorce. What life insurance issues
  should I be concerned with?
• What health considerations are important in getting favorable life insurance coverage?
• What happens at the end of my term policy?

Q. I'm going through a divorce. What life insurance issues will affect my situation?

A.Be sure to read your policy carefully. Ask yourself these questions: "Are you covered with a spousal rider? Who owns the policy? Who is the person responsible for paying? Will your policy lapse? What -- if anything -- does your divorce decree specify?" Then talk it over with your personal insurance advisor to see how we can help you during and after your divorce.