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Coronavirus and Life Insurance, What You Need To Know

If you have life insurance and are concerned if it will pay out in case you pass from COVID- 19, you can rest assured that your love ones will receive a pay out, but if you have not yet purchased coverage, it's not too late.

The good news: Life insurance is still very much available and, according to trade publication reports, there was a noticeable increase in policy applications in March.

You will have to move quickly though, as some experts think life insurance companies may impose stricter underwriting standards as they see higher losses in addition to losses in their investment portfolios, which they use to fund claims payouts.

While life insures are not excluding claims related to a pandemic, they may start including exclusionary riders on new policies as well as increasing premiums.

And if the pandemic worsens, some insurers may opt to put a hold on writing new policies, particularly for older individuals, and resuming once a vaccine has been developed.

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Independent Wealth Planner Strategies with Jennifer Lang
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Jennifer Lang Financial Services, LLC.

3139 W Holcombe Blvd, Suite 2031, Houston
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