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What does life insurance cover?By paying a monthly premium or a lump sum to your insurer for life cover, you can safeguard your loved ones from financial hardship if you die or suffer from one of a list of illnesses. The money can be put towards funeral costs, payment of a mortgage, debts, or your family's living expenses.
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Do I have to take a medical exam to get a life insurance policy?Yes, a medical exam is almost always part of the traditional life insurance underwriting process. There are a few no-medical exam life insurance policies out there, but they typically tout lower coverage amounts and higher prices than comparable policies subjected to the full underwriting process.
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What’s an underwriter?An underwriter works for the insurance carrier and is basically tasked with figuring out how risky you are to ensure — or what classification you belong in. As we mentioned, they’ll look at your paramedical exam results, medical records and even your motor vehicle reports.
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What’s a death benefit?The death benefit is how much the life insurance policy pays to your beneficiary, untaxed and in a single lump sum, should you die. That amount is considered the "face value" of the policy. Before you ask, "face value" is a fancy way of saying how much your policy is worth. And, just in case, your beneficiary is the person you designate to receive the death benefit.
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What is term life insurance?Term life insurance is a policy that covers you for a fixed period of time. So, if you die during the term, your beneficiary gets the death benefit. Permanent life insurance, on the hand, covers you permanently. Your beneficiary is still entitled to the death benefit when you die, but there’s also a cash value component you can borrow against or partially cash out after a period of time.
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How to cancel my CRM/DAILER Subscription?The flat fee recurring charge will continue until the customer cancels the CRM/DAILER Subscription. How to Cancel Your Subscription: Select the "Login/Signup" option on the top page Enter your email address. Consult your email for the login link to the Customer Portal. Choose "Cancel" and provide a reason for your termination. Your subscription will conclude at the end of the current billing cycle.
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How can I become a BHB agent?Please fill out an agent application: https://www.bhbhub.com/agent-application
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