If you are purchasing life insurance you may be wondering what isn't covered by a life insurance policy.

Well, life insurance pays out a death benefit to your beneficiary upon your death if you die while your policy is In Force, and subject to the terms, conditions and exclusions stated in your life insurance contract (policy).

There are several reasons why a life insurance death benefit claim may be denied, including fraud, misrepresentation of a material fact on your application for coverage,...

If you're shopping for a life insurance policy you may be wondering what it is life insurance covers you for.

Actually, a life insurance policy pays out a death benefit to your beneficiary upon your death, subject to the terms, conditions and exclusions stated in your life insurance contract.

A covered cause of death may include natural causes, accidents and suicide, if the suicide occurs after the suicide exclusion period - usually 2 years, but one year in some states.

Learn more about what lif...

Term life insurance is a type of life insurance policy that provides temporary protection lasting for a specific number if years.

Usually, term life offers coverage for a period of 1 to 30 years.

Most life insurance policies for term life coverage are either 10 or 20 years in duration.

However, you may be able to choose a policy "term" of 10, 15, 20, 25 or 30 years, depending on your age.

Learn more about how many years term life insurance has.

Are you wondering if guaranteed life insurance is right for you?

It may be, but it depends on your situation.

Guaranteed issue life insurance means you cannot be turned down for coverage if you meet the age requirements and can pay the premiums.

So, if you have health problems, or you have been turned down for life insurance, or you are over 75, it may be an option to consider.

These plans are available for people ages 45 to 85 years old.

Find out if guaranteed life insurance is right for you.

Is there life insurance for people living with cancer?

It depends on several factors, including your age, health, type of cancer, treatment, prognosis, when you were diagnosed and your overall health, among other things.

However, there are guaranteed issue life insurance plans available for people ages 45 to 85 which will insure you even if you have cancer.

Learn more about getting life insurance with cancer.