Life Insurance FAQ

Find professional answers to common questions about life insurance in Ohio, from beneficiary rules to choosing your coverage peak.

How much life insurance to I need?

Most people need enough coverage to replace income, pay debts, and support dependents. A common starting point is 10–15 times annual income, adjusted for personal goals.

What do I need to know about beneficiaries?

Beneficiaries receive the policy payout. Name primary and contingent beneficiaries and review them after major life events. Beneficiary designations override wills, so accuracy is critical.

Do policies renew automatically, and do they ever stop?

Term life policies cover a set period and may expire or renew at higher rates. Permanent policies can last for life if premiums are paid.

What should I know about the underwriting process?

Underwriting determines eligibility and pricing using health, age, and risk factors. It may include health questions, medical records, or a medical exam.

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