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Frequently Asked Questions

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  • How much insurance do I need?
    How much life insurance you need depends on personal and financial circumstances. TB Insurance Group agents will help you calculate what amount of coverage you need and what coverage is affortable for you.
  • Can I have multiple life insurance policies?
    Yes, absolutely! You can have multiple life insurance policies from the same or different life insurance companies.
  • Why buy life insurance when I'm young?
    It is an advantage to buy life insurance when still young and healthy because you'll be able to lock in a good rate for the duration of the policy. If you have dependents in the future, you will have secured a low rate and guaranteed your "insurability."
  • Who can be a beneficiary of life insurance?
    If you buy the life insurance policy, then you can name whomever you want as the beneficiary.
  • How do insurance policies work? Can they cancel each other?
    The answer is no. After your death, assuming you have paid all your insurance premiums, both policies will payout to the beneficiaries named. A person could have multiple policies. However, life insurers will become suspicious if you are owning several insurance policies without showing the need for them.
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