Here's what new parents should know about life insurance:
Traditionally, buying life insurance often meant filling out a lengthy questionnaire,and waiting for the insurer to get your medical records. Some policies still use this process, with the underwriting process taking a month or more.
To adjust, many life insurance companies have loosened their rules for who needs a medical exam. If you’re younger and healthy, there are An experienced independent life insurance agent or advisor should help you shop multiple companies for quotes and make sure that your choice ofSome advisors sell policies only from one company. While it can be valuable to get a price from them, you also want to know what the competition is offering. The free life insurance calculators available online can help you pinpoint how much life insurance you need. Your agent can also help you.
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