| Protection |
Shopping
for mortgage protection insurance, life insurance, or annuities can be
tedious and frustrating. There are so many different types of insurance,
how will you know what is right for your family? Your Asheville
area mortgage protection case worker will answer all of the hard questions
for you. For the basics, though, please look over the following questions
that are on the minds of many mortgage holders here in Western North Carolina.
|
Mortgage
Protection Insurance |
|
| What
is Mortgage Protection Insurance? |
|
| Does
the amount of the death benefit decrease annually along with the mortgage
balance? |
| Is
the death benefit payable to the bank? |
| What
happens if I sell my house, move, or refinance? |
| What
is Return of Premium? |
| |
Life
Insurance |
| What
types of life insurance do I have to choose from? |
| What
is required to qualify for life insurance? |
| Should
I apply for a Term life insurance policy? Or a Permanent life insurance
policy? |
| |
Disability
Coverage |
| What
is Disability coverage?
|
| Do
I need Disability coverage?
|
| Is
there a waiting period before benefits take effect? |
| In
most cases your policy will have an "elimination period".
This is the period of time that must pass before any benefit will
be paid. Your standard disability policy will have a six month, or 90
day, elimination period. Remember, the shorter the period, the more premium
you pay. |
| |
Annuities
and Retirement |
| What
is an annuity? |
| Is
there any way I can loose my money in an annuity? |
| How
do I qualify? |
| Can
I transfer funds from a savings, CD, 401K, or from other investments? |
| >>
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