As the pandemic continues to spread, more and more people are faced with their mortality and are wondering what steps they should take to ensure their loved ones are secure and protected in the future. Life insurance is just one topic that has been rising.
Some may have questions regarding how to go about securing a life insurance policy in Roseville during these times when many insurance offices may be closed or continue to social distance. We are here to answer some of these questions for you.
Can I Still Get Life Insurance During a Pandemic?
The world hasn't stopped, and neither has the insurance industry. While you may not find many offices open to the public, many are still working remotely to help you find the insurance policy you need. Simply call the insurance company in Roseville and inquire about how to start an application. They can answer any questions you have about the process or coverage. Most of this can be done over the phone or through email to help minimize physical contact.
Applying for Life Insurance Online
Yes. You can also apply for life insurance online. However, you still want to reach out and speak to a life insurance agent when possible so you can discuss your options, your budget, and the coverage you need. The agent can then send you a quote for your life insurance policy as well as an application through email.
What About the Physical Exam?
With more states opening up, it may be easier to book an appointment to get the physical exam you need for life insurance out of the way. However, depending on the amount of coverage you want, the physical exam may not be a requirement. Many companies are streamlining their policies and are making it easier for people to find the right life insurance.
If you are applying for a coverage amount that falls under the insurance company's predetermined limits, you are younger than 50 and are in reasonably good health, then a phone interview and questions about your medical history may suffice.
Does COVID-19 Affect the Policy?
The application and underwriting processes have not changed much during the pandemic. However, some companies may have just added an additional step in the process. Some will simply ask applicants to sign a statement of health and attest that they currently do not have COVID-19.
Finding the Policy You Can Afford
To help you find a policy you can afford, it is essential to speak to an experienced insurance broker. They can guide you through the process, explain the coverage amounts, and help you find a policy that is manageable with your current budget and circumstances.
It is always better to have something rather than nothing. So, even applying for a simple and basic life insurance policy in Roseville is better than not taking steps to have coverage in place at all. Many policies can be moved to a more permanent policy and solution later on as your situation changes, and your budget changes. Keep this in mind also as you find the right insurance policy for your needs right now.
For more information on life insurance and how to find the best policy for you, contact the professionals at https://asurea.com today to get started.