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Frequently Asked Questions



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Q:

How exactly does the process of buying life insurance from elifepolicy.com work?

A:

We have the perfect answer for you! Read the "How Does It Work?" article here.




Q:

Do I need to take a medical exam?

A:

No, there is no need to take any tests or medical exams, just a few health questions.



Q:

How soon will it be until my coverage takes effect?

A:

Coverage is in-force often in just a few minutes for qualified applicants. In a small percentage of cases, some qualified applicants may take slightly longer, perhaps 24 hours.



Q:

How much does it cost?

A:

A price quote is available instantly depending upon the amount of insurance purchased, age, gender and whether or not you have used tobacco products. Payment can be made by credit card or automatic payment from any checking or savings account.



Q:

Do I need to meet with an insurance sales agent?

A:

No, all interaction will take place on eLifePolicy.com. You can also call our toll-free number to be assisted by a friendly, licensed professional and make your purchase by phone.



Q:

When I will receive my printed policy?

A:

After the purchase is complete, you can print your policy immediately right on your very own printer.



Q:

What if I want or need to know more about eLifePolicy? Is there a toll free number I can call for service and to have my question answered?

A:

You may contact us at your convenience by clicking here. You can email us or call our toll-free number.



Q:

Is there cash value for this type of insurance policy?

A:

No, there is no cash for this type of insurance policy. This is term life insurance. Every dollar of your premium payment is dedicated to provide pure life insurance protection; not a savings feature.



Q:

Is this type of life insurance Term Life?

A:

Yes, this type of life insurance is called term Life. It is a level death benefit, level premium term life insurance product. Guaranteed level premium term life periods of 10, 15, 20 and 30 years are available at eLifePolicy.com for most ages.



Q:

Is the eLifePolicy product available in my state?

A:

This life insurance product is available to qualified applicants in the following states:


Alabama
Idaho
Minnesota
North Carolina
Texas
Arizona
Illinois
Missouri
North Dakota
Utah
Arkansas
Iowa
Mississippi
Oklahoma
Vermont
California
Indiana
Montana
Ohio
Virginia
Colorado
Kansas
Nebraska
Oregon
Washington
Connecticut
Kentucky
Nevada
Pennsylvania
West Virginia
Delaware
Louisiana
New Hampshire
Rhode Island
Wisconsin
Dist. of Columbia
Maine
New Mexico
South Carolina
Wyoming
Georgia
Maryland
New Jersey
South Dakota
Vermont
Hawaii
Michigan
New York
Tennessee



Q:

What is the Financial Strength rating of Household Life Insurance of First Central National Life Insurance Company of New York by the A.M. Best Company?

A:

With a very strong capital base, Household Life Insurance or First Central National Life Insurance Company of New York offers the security of an "A+ Superior" (Second highest rating of 16) rating from A.M. Best Company, the leading provider of rating, news and financial data for insurance companies.