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Is there any reason a policy wouldn’t pay out?
Insurance companies typically have rules excluding payouts in fraud cases, such as lying on the application or suicide within the first two years of coverage, with specific details varying by policy. However, you'll have the opportunity to review these terms and conditions before finalizing your agreement, allowing you to understand the exclusions and ensure you know the policy's limitations before signing.
Can I cancel or make changes to a policy?
You can cancel your policy anytime and easily update your personal details, beneficiaries, or payment information as your needs change. Modifications to your coverage amount or term length can be more complex, but our experienced agents can guide you through the process and explore your options.
What happens when a policy expires?
To avoid potential rate increases due to age, consider selecting a term length that aligns with your longest financial commitment, such as a mortgage or a child's education expenses, ensuring that your coverage remains in place for the duration of your financial obligations without the need for renewal at a higher rate.
