Find answers to common questions about coverage, policies, and how our services work.
Auto insurance typically covers liability for bodily injury and property damage, collision coverage for your vehicle after an accident, comprehensive coverage for non-collision incidents like theft or weather damage, and medical payments or personal injury protection depending on your location and policy choices.
Standard home insurance covers many perils like fire, windstorms, and hail, but typically excludes floods and earthquakes. Separate policies or endorsements are usually required for those specific natural disasters. Always review your policy details to understand what’s included.
Yes, you can have both. Medicare often serves as the primary payer, with private insurance covering remaining costs or additional services not included in Medicare. Coordination of benefits ensures you receive appropriate coverage without duplication.
Premiums are based on factors such as age, health status, lifestyle habits, coverage amount, and type of policy (term vs. permanent). Accurate disclosure during application helps ensure fair and appropriate pricing.
Final expense insurance is a type of life insurance specifically designed to cover end-of-life costs such as funeral expenses, medical bills, and outstanding debts. It typically offers smaller coverage amounts and simplified underwriting compared to traditional life insurance.
Consider your expected medical needs, preferred providers, prescription requirements, and budget. Plans vary in networks, deductibles, copays, and covered services. We help compare options to find the best match for your situation.
Yes, most policies allow updates during renewal periods or qualifying life events. Contact us to review changes in your circumstances—we’ll help adjust your coverage to maintain appropriate protection.
Most policies include a grace period (typically 30 days) to make the payment without penalty. If unpaid beyond that, coverage may lapse. Some policies offer reinstatement options. It’s best to contact your provider immediately if you anticipate a delay.
Under current regulations, health insurers cannot deny coverage or charge more due to pre-existing conditions. However, coverage details and waiting periods may vary by plan and provider—always verify your specific policy terms.
Term life provides coverage for a specific period (e.g., 10–30 years) and is generally more affordable. Whole life offers lifelong coverage and includes a cash value component that grows over time, but premiums are significantly higher.
In most cases, your personal auto policy extends to rental vehicles for similar coverages like liability, collision, and comprehensive—but always confirm with your insurer. Rental companies also offer supplemental coverage options.
Yes, but you’ll need a different policy type—such as landlord insurance for rental properties or vacant home insurance for unoccupied residences. Standard homeowner policies typically require the property to be your primary residence.
Medicare Advantage (Part C) is an alternative to Original Medicare, offered by private insurers. It bundles Parts A and B, usually includes Part D (prescription drugs), and may offer extra benefits like dental, vision, or gym memberships.
Generally, the death benefit paid to beneficiaries is not subject to federal income tax. However, if the payout is delayed and includes interest, or if the policy was transferred for value, portions may be taxable. Consult a tax advisor for your situation.
While premiums are typically higher for young drivers due to risk, discounts are often available for good grades, driver education courses, or being added to a parent’s policy. We help identify the most cost-effective options.
A deductible is the amount you pay out-of-pocket before your insurance coverage kicks in. Higher deductibles usually mean lower premiums, and vice versa. Choose based on your ability to cover unexpected expenses.
Yes, most health plans are required to cover mental health and substance use disorder services at parity with medical/surgical benefits. Coverage details (copays, session limits) vary by plan—review your Summary of Benefits.
Yes. You can designate primary and contingent beneficiaries and specify the percentage each should receive. This ensures your wishes are honored and provides flexibility in estate planning.
Auto and home insurance are state-regulated, so you’ll usually need to update your policy or obtain a new one in your new state. Notify your insurer before moving to ensure seamless coverage continuation.
No, flood damage is excluded from standard home insurance. Separate flood insurance—typically through the National Flood Insurance Program (NFIP) or private insurers—is required for flood-related losses.
Yes, you can usually cancel at any time, though some insurers may charge a short-rate fee. Refunds for unused premiums are typically prorated. We recommend securing new coverage before canceling existing policies.
Guaranteed issue policies require no medical exam or health questions and are often used for final expense coverage. They typically have lower death benefits and a waiting period (usually 2 years) before full payout.
Standard auto policies usually exclude coverage while you’re logged into a rideshare app and available for rides. Special rideshare endorsements or commercial policies may be needed—check with your insurer.
Traditional underwriting may take 4–6 weeks, but simplified issue or accelerated underwriting can approve policies in days. Final expense policies often provide same-day coverage with minimal paperwork.
Yes, though premiums will likely be higher. Some insurers specialize in high-risk drivers, and completing defensive driving courses may help lower costs over time. We compare options to find the most competitive rates.