Walt Smith, Life Insurance Agent
Walt Smith
Walt Smith Benefit Consultants
Life Insurance Agent Licensed in NJ
Contact Details
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Location
Nutley, NJ
Walt Can Help With:
About Me
Welcome! I'm Walt, 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 Walt Smith
Can I buy life insurance for my parents?
Answer: yes, you can purchase insurance for your parents. They still have to be approved by the underwriting of the company you choose.
Can non-citizens buy life insurance in the U.S.?
Answer: Yes, they can if they have a valid visa, green card and a Social Security number. Most insurance companies in the United States will underwrite an issue policy for them.
How can I lower my life insurance premiums?
Answer: That is not a simple question to answer without knowing exactly what type of policy you have. If it is a policy that gives dividends, you could change a different option to reduce premium, which would lower your monthly outlay. You could also possibly reduce the Face amount of policy, but there are other options depending on what kind of policy you have.
How much does life insurance cost for a 50 year old?
Answer: You must contact your agent to determine that answer. It depends on type of policy you would like or need to purchase. A term policy is policy that would be the cheapest, but then There are different types of term policies. A whole life policy will cost more, but it’s good for the whole life of the person. And a universal life is somewhere in between the two. there are other policies to look at like index life, variablelife, etc.
How much does life insurance cost for a 40 year old?
Answer: She might answer for 50 year-old. Give me a call. I would need to know your objectives and what you had in mind.
Can I sell my life insurance policy for cash?
Answer: You may possibly be able to sell your policy. It depends on your age and your life expectancy. There’s different factors they taken into account. I’ve had plenty of experience with life insurance policy sales for older individuals that no longer have a need for life insurance
Does life insurance cover suicide or accidental death?
Answer: How is life insurance policy in New Jersey has a two-year contestable. If you commit suicide within that timeframe you’re not covered. However, after the two years is up, you are covered. Accidental death would be covered from day one. They sell riders to have extra accidental death on a policy, but I’m not sure they’re worth the money. In my opinion is.
What should someone with a pre-existing condition know about getting life insurance?
Answer: Your application for life insurance will be medically under it by an underwriter. It all depends what your condition is. If his high blood pressure, for example, controlled my meds. You’ll probably get issued a standard rate. If you have major heart issues, then it will be harder to get insurance so it depends on what your previous condition is your agent can give you an estimate based on the issue tell him, but you won’t know the answer until you apply
Can a life insurance agent also help me with health insurance?
Answer: Both stages get licensed in life insurance and health insurance at the same time. Assume he has his health licenses. He should be able to help you with providing you with the best Health insurance for you.