Frequently Asked Questions
Below are some commonly asked questions about the Complete Care Life Plan.
Q: Is securing a Complete Care Life policy really as simple as it seems?
A: Qualifying for Complete Care Life is simple. All we need is your name, address, phone number, and date of birth. Your policy is issued on the 1st or 15th of the month, and is payable upon death to any beneficiary you designate. Your coverage is Guaranteed!
Q: I already have a good life insurance policy. Is additional insurance necessary?
A: There is a good chance it might be. Inflation has weakened many insurance policies. Complete Care Life is the ideal way to supplement your existing insurance. It can be used to cover funeral/burial expenses or other miscellaneous debts that are left behind.
Q: Is there a waiting period before the full benefit takes effect?
A. Your policy will be approved immediately but there is a 3 month waiting period for the benefits to start.
Q: How much life insurance can I buy?
A: Policies are issued in the face amount of $15,000 for the primary, and the Family plan gives your spouse $7500 and each eligible child $2500.
Q: Will I be contacted by an agent? A: No, unless you request one to give you a call.
Q: In case of death, is the benefit taxed by the federal government?
A: No, the insurance benefit is paid free of federal income tax.
Q: Is coverage available for other family members?
A: Coverage is available for your spouse or other members of your family including children. And the Family plan option gives your spouse a guaranteed benefit of $7500 and each child $2500.
Q: Is the policy guaranteed to my satisfaction?
A: You have a NO RISK 30-day money-back-guarantee.
Q: Do I have to answer medical questions?
A: You don't have to answer any questions about your health or take a physical exam. Your acceptance is guaranteed!
Q: Will my rates go up every year?
A: Your rates are locked in once you purchase the plan and will not increase during the plan's term unless done so by class.
Q: Does this plan pay benefits even if I have other insurance?
A: Yes, this plan will pay benefits directly to your beneficiary in addition to any other insurance you might have.
Q: Can I save money by paying annually?
A: Yes. Save a full month's premium by paying annually -- you get 12 month's protection for the cost of 11! And this savings can add up year after year.
Q: What if I apply for coverage, but change my mind later?
A: Count on a 30-Day Money Back Guarantee for peace of mind. If you decide this coverage isn't for you, just return your insurance documents within 30 days after receiving them for a complete refund, no questions asked.
Q: Who do I call for customer service?
A: We've built our reputation on satisfied customers. When you receive your insurance documents, you'll also receive a customer service guide with a toll-free service hot-line. This special toll-free number will put you directly in touch with a top notch service team. Your guide will also include information on how to change your payment plan, change a beneficiary, or file a claim.