David Hutt, Life Insurance Agent
David Hutt
Hutt Insurance Agency Inc.
Life Insurance Agent Licensed in IL and MO
37+ Years of Experience
Contact Details
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Location
Maryville, IL
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Website
About Me
Welcome! I'm David, a local life insurance specialist who understands the importance of protecting what matters most. From growing families to individuals planning ahead, I help people at every stage of life choose coverage with confidence.
Q&A with David Hutt
What happens if my life insurance beneficiary dies before me?
Answer: If you have a contingent beneficiary listed on your policy they will become your primary beneficiary if your primary beneficiary passes before the insured. If you do not have a contingent beneficiary on you policy you can add a new beneficiary once your primary beneficiary passes away or if no beneficiary is designated at the death of the insured then the benefits are paid to the insured's estate.
Can I buy life insurance for my parents?
Answer: Yes, a child can purchase life insurance for their parent and be the premium payer and beneficiary. The parent can be the policy owner or the child can be the owner of the policy.
Is there a deadline to file a life insurance claim after someone dies?
Answer: There is generally no time limit to file a life insurance claim after the policyholder’s death, but most insurers recommend filing within 30–60 days to avoid complications.
Is life insurance available for people over 75 or 80?
Answer: Most companies offer life insurance coverage for new business up to age 85. Some graded benefit whole life plans are available up to age 80 for new business.