Cris Zimmerman, Life Insurance Agent
Cris Zimmerman
Zimmerman Insurance Solutions
Life Insurance Agent Licensed in ND
Contact Details
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Location
Fargo, ND
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Website
Cris Can Help With:
About Me
Greetings! I'm Cris, a life insurance professional committed to serving our community. I take the time to understand your unique situation and connect you with coverage that provides long-term security. Let's work together to build your peace of mind for the future.
Directions to My Office
Q&A with Cris Zimmerman
How long does it take to get approved for life insurance?
Answer: This really depends on the insurance company and the customer. Some Insurance companies offer almost instant issue after a quick DMV report, prescription drug check, and Medical Information database search. Other Insurance policies may require a paramedical exam and copies of medical records for the underwriting team to review. It can take a couple of weeks to a couple of months to get that data to the underwriter for review. Work with an agent that offers multiple insurance carrier options. Some insurance companies may have more favorable underwriting than others.
What questions should a first-time life insurance buyer ask their agent?
Answer: How much life insurance is necessary? What is the underwriting process like? What type of policy should I have? (Term or Permanent). Will the premium go up?
Does life insurance cover death while traveling internationally?
Answer: In most instances, yes. There are some circumstances that it may not cover, such as Military Operations or Illegal Activities. Work with your agent to discuss the exclusions when a policy does not pay out.