Life insurance FAQs

Having questions about life insurance is not something unusual. Most people are not experts on the subject. That’s why having an expert on your side in the form of your local independent insurance agent is so important. In Brownwood, TX, that is Robnett Integra Insurance Services. We are dedicated to providing the highest possible level of service and getting to know the needs of our customers. This allows us to customize your insurance. 

Do I need life insurance if I am young and single?

If you have no dependents and no significant debt, and have enough money to pay for your final expenses, then no, you don’t. But, the prices will never be better, so it is an excellent time to acquire your first insurance policy as a plan for your future. 

Can I borrow money from my life insurance policy?

A whole life insurance policy earns dividends and is not just about the death benefit. Yes, you will be able to borrow from a whole life policy, but keep in mind this needs to be repaid, or it will affect your death benefit. 

How do I file for the death benefit?

Filing for the death benefit is a relatively painless experience in most cases. Have the necessary information at hand when you contact the insurance company. You can contact them on the phone or the internet. Have the policy number available, and know the deceased’s social security number and birthday. Have the death certificate at hand to answer any questions. 

You will need to send the insurance company a completed form requesting the death benefit and a copy of the death certificate. Using registered mail is always a good idea. 

Contact Robnett Integra Insurance Services in Brownwood, TX to answer any questions you may have about life insurance coverage.