Before you consider a new policy, it helps to ask the same few questions every time.
What is this option designed to do?
Ask what the option is designed to do, what it does not cover and what conditions apply.
What could change over time?
Discuss costs, eligibility and what could change over time. The written materials for the option under consideration describe its actual terms.
Does the conversation include what I already have?
If you already have coverage, make sure the conversation considers it.
Key takeaway: a clear explanation should include limitations as well as features.
Where to go next
The life insurance page lists the questions that usually start the conversation. When you’re ready, send a message.
