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A Consumer’s Guide to: Life Insurance

Past analysis has shown that certain types of fraud or money laundering may be recorded and/or initiated in one location, but take place in another. Suspected fraud or money laundering through insurance company products is primarily detected after the fact. Insurance companies may offer their products through a number of distribution channels in a number of states, however the processing unit and service center is generally centralized in one location. While the filer locations offer a valid analytic metric, comparatively or by themselves, the subject location may provide more significant insight(s) to the information submitted by insurance. | A Consumer s Guide to Life Insurance What you should know about shopping for life insurance I Washington State Office of the _Insurance Commissioner www.insurance.wa.gov Table of Contents A consumer s guide to life insurance I Deciding how much life insurance to buy 2 Insurance shopping tips 2 How to buy life insurance 3 Mail order 3 The Internet 3 Agents and brokers 3 What to do if a company turns you down 4 What you should know about your insurance company 5 Rating your insurance company 5 What you should know about life insurance premiums 6 What you should know about life insurance policies 6 Term life and cash value life insurance 7 Whole life universal life and variable life 7 Other life insurance policy options 9 Group life insurance 9 Convertible policies 9 Joint life insurance 10 Family insurance 10 Final expense insurance 10 Optional policy benefits II Waiver of premium 11 Accidental death benefit 11 Accelerated life insurance benefit 11 What you should know about trading in policies II What you should know about death claims I2 Individual policies 12 What your beneficiary can expect 13 Settlement options 13 Options for seriously ill people I3 Viaticals 13 Other options 14 Commissioner Kreidler s Top 10 Life Insurance Cautions .