Insurance FAQs

There is no additional charge to speak with our team or receive help exploring the health or life insurance options we offer. If you enroll in or apply for coverage, premiums and other plan or policy costs will depend on the coverage and insurance company you select.

Available options depend on your location, household and eligibility. They may include Marketplace plans, individual or family coverage and other available health plans. Our team can help you review the options offered in your area.

The Health Insurance Marketplace allows individuals and families to compare and enroll in private health plans. A Marketplace application can also determine whether you may qualify for savings based on your household information.

You may qualify for a premium tax credit or other savings. Eligibility and savings are determined through the Marketplace and can depend on factors such as expected household income, household size and where you live.

You can generally enroll in Marketplace coverage during the annual Open Enrollment Period. You may also be able to enroll at another time if you qualify for a Special Enrollment Period. Enrollment dates and rules can vary by year and location.

Possibly. Certain life events—such as losing qualifying coverage, moving, getting married or having a baby—may qualify you for a Special Enrollment Period. Our team can help you review your situation, but final eligibility is determined by the Marketplace.

It helps to have basic information about the people applying, your address, household size, estimated household income and any current coverage. Depending on your application, additional information or documents may be requested.

Life insurance options may include term life, permanent life and final expense coverage. The right type of coverage can depend on your age, goals, family situation, budget and how long you want the coverage to last. A licensed Umanzor Insurance agent can help you explore available options.

Term life insurance is generally designed to provide coverage for a specific period of time, such as 10, 20 or 30 years. Permanent life insurance is designed to remain in force longer, provided the policy requirements are met. Features, benefits and costs vary by policy and insurance company.

There is no single coverage amount that works for everyone. You may want to consider factors such as your income, mortgage or other debts, family expenses, children, future financial goals and the amount of support your loved ones may need. Our team can help you review these factors and explore coverage options.

Life insurance premiums vary based on factors such as your age, health, coverage amount, policy type, term length and the insurance company. A licensed agent can help you compare available options based on the coverage you’re looking for and your budget.

Not every life insurance policy requires a medical exam. Requirements depend on the policy, insurance company, coverage amount and your individual application. Some options may use health questions or other underwriting information instead of a traditional medical exam.

Having a health condition does not automatically mean life insurance is unavailable. Eligibility, coverage options and pricing can vary depending on your health history and the underwriting guidelines of each insurance company. Our team can help you explore options that may be available based on your situation.