Alacrity Insurance Partners

Frequently Asked Questions

Please reach us at dashielltleander@gmail.com if you cannot find an answer to your question.

How much life insurance do I really need?

Many people start with coverage around 10–15 times their annual income, then adjust up or down based on debts, savings, and how long loved ones would need financial support. You can also look at what it would take to pay off your mortgage, cover education costs, and replace your paycheck for a set number of years, then choose a benefit amount that fits your budget.

What if I have health conditions?

Having health conditions does not automatically disqualify you from life insurance, but it can affect which companies will approve you and what your premium is. Some carriers specialize in conditions like high blood pressure, diabetes, or past cancer, so working with an independent agent helps match you with a company that is more flexible for your situation.

Is life insurance expensive?

Basic term life insurance is often more affordable than people expect, especially if you are relatively healthy and buy it at a younger age. You can choose the coverage amount and length of term to fit your budget, and it is usually possible to adjust the plan to balance cost and protection.

What’s the difference between term and whole?

Term life insurance covers you for a set period (for example, 10, 20, or 30 years) and is usually the most affordable way to get a larger death benefit for a temporary need like income replacement or a mortgage.
Whole life insurance is designed to last your entire lifetime, has higher premiums, and builds cash value that can be accessed under certain conditions, so it is often used for long‑term needs and legacy planning.

Who receives the benefit from my life insurance?

The beneficiaries you name on your policy receive the payout if you pass away during the policy period.

Can I change my beneficiaries later?

Yes, you can change beneficiaries at any time by contacting your insurance provider.