Pamela Teaford, Life Insurance Agent
Pamela Teaford
Life Insurance Agent Licensed in PA
Contact Details
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Location
Pittsburgh, PA
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Website
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Facebook
Pamela Can Help With:
About Me
Hi, I'm Pamela, your area life insurance advisor. I focus on simplifying the process of choosing a policy that protects your loved ones. You don't have to figure it out alone — I'll compare the best options and walk you through every step of the journey.
Directions to My Office
Q&A with Pamela Teaford
Can I get life insurance if I smoke or vape?
Answer: Yes you can, depending on the type of life insurance, whole life or universal life insurance, the rate will be higher if you smoke(vaping is considered smoking).
How can I lower my life insurance premiums?
Answer: There is no clear cut answer to this question. It depends on what kind of life insurance you have, your health, age, male or female, company you are insured through, and amount of coverage you have.
How do dividends work in a whole life insurance policy?
Answer: On a whole life policy there are no dividends. There is cash value the builds in time. There are universal life policies that provide dividends.
Are there life insurance policies with no waiting period?
Answer: Life Ins is effective upon approval by underwriting. With graded policies, such as Colonial Penn, some NY life policies… there is a limited benefit for the first two years, then in the 3rd yr there after the beneficiary would receive the full benefit.
Can I get life insurance if I'm overweight or obese?
Answer: Yes is the short answer. Each Co has their weight/height guidelines for their standard policies. If you don’t fall within their weight/height guidelines then you should qualify for a graded policy. With that type of policy, a whole life policy, the beneficiary would receive a limited benefit in the first 2yrs of the policy. They would receive the full benefit the 3yr after.
How much does life insurance cost for a 70 year old?
Answer: There is no simple answer for that. There are many factors built into the premiums companies charge. Your best bet is find an agent in your area who represents several companies and let them shop around for you based on your needs etc.
How do I find out if a deceased loved one had a life insurance policy?
Answer: Contact their immediate family. They can usually go through the deceased files if they were organized.