If you live in Alabama, you'll want to know everything relevant about having life insurance. McBride Benefit Solutions has a history of helping Alabama residents acquire the life insurance they need. We are prepared to answer all of your questions and address your concerns.
There are a few types of life insurance you should be familiar with. The list includes Term, Whole, Universal, Variable, Second-To-Die, and Current Assumption Whole Life. You should choose the type that best serves your needs. Term life insurance can sometimes be renewed in the state of Alabama. It can also be converted to a whole life insurance plan instead. And while term life insurance is only temporary, whole life insurance is permanent.
Universal life insurance is similar to whole but provides more flexibility in your policy. A variable life policy may either be fixed or flexible. Current Assumption Whole Life insurance is both permanent and fixed.
Second-To-Die Life is an insurance policy designed for married couples. It is permanent but flexible. However, it can't be used until both individuals have passed away.
Rules and regulations apply to life insurance in Alabama. The law states that you have a free look period and a grace period. The free look period allows you to drop your life insurance plan within ten days of registering for it. In Alabama, the grace period for life insurance is 30 days. This applies to those who may temporarily delay acquiring, securing, and maintaining their policy.
Now that you know the basics of obtaining and using life insurance in Alabama, please make an appointment with McBride Benefit Solutions. Residents of Alabama, and beyond are guaranteed to get the proper assistance to choose the right life insurance policy for their needs. We are here to help you gain peace of mind.
"Joey McBride is hands down one of the easiest people I have ever talked to. He made the process of choosing the right plans and packages for myself and my family so easy. If you choose to use McBride Solutions you will never be disappointed!"
- Caitlin Miller
"Joey and his team have gone above and beyond to have our team prepared for the future. So thankful to have a company to help with so many of our insurance needs. They answer all of our questions very quickly. Definitely recommend McBride Solutions!"
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