Yes, there are three other options. First, you may be able to borrow against your life insurance policy. Second, either your policy or insurer may provide an accelerated benefits option (see our consumer guide). Finally, you may be able to cash out your policy if it has any cash surrender value.
There are none. You will never pay Individual Benefits any application fees, medical evaluation charges, or any other costs, ever.
Yes, at any time before receiving your settlement, without obligation or fees. We also recommend that you check your contract to make sure it includes a 15-day rescission period after the sale of your policy.
We contact only your primary physician, insurance company or benefits administrator, or anyone you expressly authorize. We protect your privacy and guarantee that Individual Benefits will never give lists of names or social security numbers to the government or private agencies.