Frequently Asked Questions(FAQ)

Frequently Asked Questions(FAQ)

What if I have Diabetes? High Blood Pressure? HIV Infection? Can I still get Life Insurance?

At Epiphany Insurance Company, we have policies that fit anyone's condition or diagnosis. Depending on your diagnosis, you can still qualify for Guaranteed Issue Life Insurance policies that do not require any medical exam. Your premiums may be a little bit higher but we can help you find the cheapest premiums available to you from one of our top rated carriers.

 

Can I buy a Life Insurance policy without taking a medical exam?

At Epiphany Insurance Company, we have policies that do not require any medical exam. You may have to answer a few questions to help us determine which plan will best suit your needs.

 

Do I have enough life insurance?

At Epiphany Insurance Company, we believe you can never have too much life insurance. Our agents will sit down with you and your family and help you custom tailor a policy that will fit your budget and your life insurance needs.
One of the goals of Life Insurance is to make sure your family would have the financial support you would have provided, if something should happen to you unexpectedly.
You should have a number in mind by adding up your debts, such as your mortgage, student loans, car payments and any other bills that your family would have to take over if you’re not around.

 

How can I check the ratings of my Life Insurance carrier?

It is always a good idea to buy a policy from a well known carrier with a good rating. At Epiphany Insurance, we try to work with top rated insurance companies.

You can check our carriers rating at www.ambest.com. They provide credit rating and all types of financial information about insurance products.

 

What is the difference between Term Life and Whole Life Insurance?

Term Life Insurance provides:

  • Also called Temporary Insurance
  • Can be a 10, 20 or 30 year term
  • Pays a death benefit to your beneficiaries during a specific amount of time
  • More affordable than Whole Life
  • Premiums will go up after the term has ended
  • Does not build cash value

Whole Life Insurance provides:

  • Also called Permanent Insurance
  • Builds cash value over a period of time
  • Increases your net worth
  • Premium remain constant throughout life of policy
  • You can borrow against your whole life policy.

These are just some of the benefits and differences between the two. An agent would love to come by your home and go over more options with you and your family.

 

When should I buy Life insurance?

At Epiphany Insurance, we understand that tomorrow is not guaranteed. As such, we encourage you to buy Life insurance as soon as you can. There are numerous policies that will fit your needs and your budget.

Don’t put off for tomorrow, what you can do today.

Our favorite saying is: “It’s better to have it and not need it, that to need it and not have it”.

Please contact one of your agents today, and we can have someone come to your home or wherever you choose within 24 hours.

 

How can I sign up for Obamacare?

In order to start the Enrollment process, you usually have to wait for the Open Enrollment Period which starts on November 1, 2017.

But you may still qualify for Obamacare outside of the Open Enrollment Period if you qualify through a Special Enrollment Period. Call one of our agents today for more information at 305-783-1487.

 

How do I know if I qualify for Obamacare through a Special Enrollment Period?

These are just some of the life changes that may qualify you for the Special Enrollment Period. :

  • If you lost coverage through your job
  • If you lost COBRA coverage
  • If you lost your Medicaid or CHIP eligibility
  • If you lost your Medicare coverage
  • If you changed jobs
  • If you got married
  • If you have a new baby, adopted a child or placed a child in foster care.
  • ...and so many more

Call today for more information at 305-783-1487.

 

How can I buy Life Insurance from Epiphany Insurance?

You can call us at (305) 783-1487 and an agent will be more than happy to come to you.

 

If you don't see the questions (FAQ)you're looking for, please contact us and we will add them to this page.

Email us at: epiphanyinsures@gmail.com