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What's your life worth?
You need life insurance to protect your family's financial security in the event of your death. Find out what you know -- and what you don't know but should.
1.
After your death, which item is not needed by your beneficiaries to file a claim for your death benefit?
Your insurance policy -- or information about the policy and the company that issued it.
An application form from the insurance company.
A certified copy of your death certificate.
A copy of your will or a death notice published in the local newspaper.
2.
Which of these statements is true? Group life insurance provided by your employer:
Is usually adequate coverage for your family in case you die.
May expire when you retire.
Is always portable. Federal law requires that you can take it with you if you lose your job.
3.
If you have a medical examination as part of your insurance application, the results are:
Destroyed immediately after the insurer reviews them, as required by federal law.
Coded and stored for seven years in a large database that can be accessed by other insurance companies.
Coded and kept on file only with your insurer.
Immediately shared with your personal physician if you have a life-threatening illness.
4.
If you die, your term life insurance will pay your beneficiaries:
The face value of the policy, plus the cost of your funeral.
The face value of the policy when you purchased it, plus inflation.
The face value of the policy.
The face value of the policy, plus money made from a portion of the policy that was invested.
5.
You purchased a 20-year term life insurance policy. You're still alive at the end of 20 years, so you'll receive:
A full refund of the premiums you've paid over 20 years.
A full refund of the premiums you've paid plus inflation.
One-twentieth of the money you paid in premiums.
No money back, unless you've also purchased a 'return of premium' policy.
Data providers
Copyright © 2009
Thomson Reuters
.
Click for Restrictions.
Quotes supplied by
Interactive Data Real-Time Services
.
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