Keith Marino, Life Insurance Broker
Keith Marino
Life Insurance Broker Licensed in VT, ME, NH and RI
11+ Years of Experience
Contact Details
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Location
Waterbury, VT
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Website
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Schedule An Appointment
About Me
Hi! My name is Keith, and I am your dedicated life insurance consultant. My role is to ensure you have coverage in place that truly fits your goals. I partner with respected insurers to provide you with reliable and affordable options — all at no cost to you.
Q&A with Keith Marino
What is return of premium life insurance and is it a good deal?
Answer: Return of premium means that when the policy is no longer in force, the policy holder will receive all the premiums he/she paid. It can be a good deal depending on how much the policy holder’s premium will be.
How does life insurance work for a family with a special needs child?
Answer: If you’re speaking of special needs person for a beneficiary, the death benefit would be set up in a trust depending on the person’s cognitive abilities. If you’re speaking of a policy it is a case by case based. There are no set rules. You can contact me for more information.
Thank you
Do life insurance companies check your credit score?
Answer: No, they don’t. Some will ask for your income information, but not credit scores. The companies just want to make sure you can afford the cost of the premium.