How do I file a death claim?
Most life insurance claims can be processed upon receipt of a claimant’s statement completed by the named beneficiary(s) and a...
Can I make changes or obtain information on my spouse/child/parent’s policy if I took out the policy and pay the premiums?
Due to federal policy laws, we must speak with the policy’s listed owner. If you are the owner, you may...
How do I change my name or address?
Name change and address change requests need to be made in writing and submitted via mail or fax. Unified Life...
Can I change the owner of my policy?
Only the current owner of the policy has the rights to change ownership and will be required to sign off...
What is a beneficiary and how do I name one?
Your beneficiary is the person who receives your life insurance benefits if you die. You can have more than one...
How does life term insurance differ from permanent coverage?
Permanent life insurance is intended to provide protection for your entire life. Generally, the premiums for permanent life insurance are...
What is “convertible” term life insurance?
Some term life insurance policies can be described as “convertible.” The conversion provision allows the owner of the term life...
Does my term life insurance policy have cash value?
No. Term life insurance policies do not have a cash value or any amount that you may borrow against.
What happens to the cash value in my policy when I die?
When you die, the insurance company will pay the death benefit, regardless of the cash value of the policy that...
What is a participating policy?
Participating policies are policies that may pay you dividends, meaning you have a chance to participate in the company’s earnings....