FAQs
Date	Description	Department	Type
05.25.11	I consider myself a younger individual. Is there a value in purchasing Life Insurance now? When to buy life insurance depends more on your individual circumstances and your personality than on any hard-and-fast rules. Life insurance premiums increase dramatically as you get older. If you buy permanent life insurance while you're younger	Life Insurance	FAQs
04.21.11	I have a fear of medical exams. Are there cases in which I don't have to take a medical exam to buy "Simplified issue" life insurance policies require that you answer some medical history questions but don't require an exam.	Life Insurance	FAQs
04.21.11	If I (or a family member) already have an existing health issue, is it too late to apply for life in Dave Ramsey can obtain an indication on your behalf and avoid negative information appearing on your MIB (Medical Information Bureau records). He will assist in maintaining your privacy, discreetly discuss your medical issue, while obtaining the best off	Life Insurance	FAQs
04.21.11	If you already have a life insurance policy in place, is the death benefit adequate for your existin When determining the amount of coverage you should have, a review of your personal circumstances is necessary. A more simplified approach includes calculations based on a multiple of your income.	Life Insurance	FAQs
04.21.11	Is it important for me to do due diligence about the company that writes my life coverage? Before purchasing life insurance, our clients can sit with David Ramsey and review the financial strength of the insurance company that we have recommended as well as its ethical reputation. We quote companies that are highly rated by the major independen	Life Insurance	FAQs
04.21.11	My employer now provides life insurance as an employee benefit. Isn't this sufficent for my needs? When group term insurance is provided through your employer, the employer may pay for most (and in some cases all) of the premiums. The amount of your coverage is typically equal to one or two times your annual salary.	Life Insurance	FAQs
04.19.11	Why do I need to consider purchasing life insurance? Most people buy life insurance to replace income that would be lost at the death of a wage earner. Proceeds from a life insurance policy also can help ensure that your dependents are not burdened with significant debt when you die. The money could mean	Life Insurance	FAQs