Life insurance is a financial safety net that pays out a designated sum to your beneficiaries upon your death. It helps provide financial security to your loved ones, covering expenses like mortgages, education, and other costs that may arise in your absence.

Sick insurance covers medical expenses when you fall ill, providing benefits that can help pay for treatments, medications, and hospital stays. This coverage ensures that you can focus on your recovery, knowing that your medical costs are taken care of.

Yes, most insurance policies can be adjusted after they’ve been issued. You can often change your coverage needs, add or remove beneficiaries, or even switch policies as your life circumstances evolve.

If you miss a payment, it’s important to contact your insurance provider immediately. They may allow a grace period, but missing payments can lead to policy lapses. Keeping open communication can help you maintain your coverage.

Filing a claim typically involves contacting your insurance company and providing necessary documentation. This may include your policy number, details of the incident, and any related paperwork. Your agent can guide you through this process for a smoother experience.