🧭 Brookz Travel-Life — Frequently Asked Questions

💡 About Life Insurance

1. What is life insurance, and why do I need it?
   Life insurance provides financial protection for your loved ones if something happens to you. It helps cover expenses like bills, debt, or future goals such as college or retirement.

2. How much life insurance coverage do I need?
   The right amount depends on your income, family size, lifestyle, and financial goals. We can help you find a plan that fits your needs and your budget.

3. What types of life insurance do you offer?
   We offer a range of life insurance options — including Term Life, Whole Life, Final Expense, and Indexed Universal Life (IUL) policies.

4. What’s the difference between term and whole life insurance?
   Term life covers you for a set number of years (like 10, 20, or 30), while whole life lasts your entire lifetime and can build cash value over time.

5. What is an IUL (Indexed Universal Life) policy?
   An IUL policy is a type of permanent life insurance that not only provides lifelong protection but also allows you to build cash value tied to market performance — without directly investing in the market. It’s a great way to protect your family while growing long-term wealth.

6. Do I need a medical exam to qualify?
   Not always! Many policies offer no-exam options with simple health questions. We’ll help you find the best fit for your situation.

7. Can I get coverage if I already have health conditions?
   Yes — many plans are available for people with existing health issues. Our goal is to help you find protection that works for you.

8. How much does life insurance cost?
   Prices vary based on age, coverage amount, and health, but we’ll work with your budget to make sure you get affordable protection.

9. When will my policy go into effect?
   Once your application is approved and your first payment is made, your coverage can begin immediately or within a few days..

   🧾 Policies & Payments

   1. Can I update my policy later?
      Yes, you can usually adjust your coverage or add beneficiaries as your needs change.

   2. How do I make a payment?
      You can pay online, set up automatic payments, or contact us directly for payment options.

   3. What happens if I miss a payment?
      Most policies include a grace period, allowing you to make a late payment before coverage ends.

   💬 Getting Started

   1. How do I apply for coverage?
      Just fill out our contact form or reach out directly — we’ll walk you through every step.

   2. Can I speak to a real person for help?
      Of course! We believe insurance should feel personal — you can call, email, or message us anytime.