| 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? |
| A
physical exam will usually be required to qualify for a life insurance policy.
BUYER BEWARE: Be very careful when applying for life insurance
that requires a physical exam, especially if you feel that your health could
be better. Insurance companies can and will decline you. This can make it
very tricky should you ever want to reapply, even if you apply with
a different insurance company. |
| 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? |
| |
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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