You Have Questions

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Why Amplify

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What is Life Insurance?

Do I Need Life Insurance?

What type of life insurance do I need?

I have life insurance through work. Is it enough?

What is the "coverage" amount?

How much life insurance coverage do I need?

What is covered by life insurance?

What is not covered by life insurance?

When is the best time to buy life insurance?

What is a beneficiary?

What is a death benefit?

How long do I need life insurance?

How much does life insurance cost?

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What are the different types of life insurance?

What is Term Life Insurance?

What is Permanent Life Insurance?

What Is Universal Life Insurance?

What is Indexed Universal Life (IUL) Insurance?

What is Variable Universal Life (VUL) Insurance?

What is the difference between VUL and IUL?

What are the advantages of Universal Life Insurance?

When should I consider Universal Life Insurance as part of my insurance plan?

Is Whole Life Insurance the same as Universal Life Insurance?

What is "Combination" Life Insurance?

How does the cost compare for different policy types?

Why should I put my savings here versus other savings options?

Why Amplify

Who is Amplify?

How does Amplify work?

What makes Amplify better?

Why buy through Amplify versus through an agent?

Is Amplify right for me? Who is eligible?

Why does Amplify specialize in Universal Life Insurance and Combination Policies?

Does Amplify only offer term and universal life?

How much coverage can I get with Amplify?

What does a policy offered by Amplify cover?

Does Amplify offer a money-back guarantee?

Why Bundle

Why save funds with life insurance? Why bundle protection and growth?

Why should I choose Universal Life over a normal investment account?

How do I use cash value life insurance to tax-efficiently grow wealth?

How do I use cash value life insurance to protect my loved ones?

How does my cash value grow?

Is there a limit on how much money I can put into my policy?

What percent of the money I put into my policy goes toward the cash value?

Is there a penalty if I take out cash value early?

What can the money be used for?

Can I change my cash accumulation strategy after getting the policy?

How much should I be saving with life insurance?

How do I choose a Universal Life policy to fit my risk tolerance?

How can I adjust my coverage and payment over time?

Why not just buy Term and invest the difference?

Apply

What is the best way to get started?

How can I get a product recommendation and a quote?

How easy is the application process? How do I apply?

What happens after I apply?

How long does it take to buy a policy?

Can I talk to an actual person if I have questions?

Why does the application require the information it asked?

Why do you need my Social Security and Driver's License Number?

Why do you need my bank account information?

How does Amplify protect my Information?

When does my life insurance coverage start?

What payment options does Amplify accept?

Do I have to be a U.S. citizen to apply?

Does Amplify require a commitment to apply?

Manage Policy

How can I access my policy information?

Where do I go for policy changes?

How do I update my personal information?

How do I make a payment or update my billing information?

Who can make my payments?

How can I adjust my payment frequency (monthly, quarterly, annually)?

Can I stop paying on the policy at a certain age?

How do I cancel my policy?

What happens if I cancel my policy? Do I lose all my money?

Does Amplify charge a fee if I cancel my policy?

What happens if I can't pay my insurance premium?

What happens when I die?

Who can be my beneficiary?

What will my beneficiary receive when I die?

Will my beneficiaries receive all of my cash value and death benefit?

How do I manage or change my beneficiaries?

How long will it take for a claim to be paid?

What does my family need to do to claim my policy after I die?

How can my loved ones use my coverage after I pass?

What happens if I pass away in another country?

What happens to my policy if a life insurance company goes out of business?

Grow Wealth

How does tax-efficient cash accumulation work in a life insurance vehicle?

What is "Account Value"?

What is "Cash Value"?

How can I keep track of my account value? Is there an app?

How does my cash value grow?

How much can I save? Is there a limit?

How can I contribute more to my policy?

What percent of the money I put into my policy goes towards cash value?

How do I control where and how my funds are invested?

What if my risk tolerance changes over time?

How often should I revisit my coverage or savings needs?

Will my premium payments ever change over time?

Can I Stop Paying On the Policy At A Certain Age? Can I Skip Contributions?

Access Funds

How do I access my policy and funds?

How does accessing funds and policy payouts work?

Is there an ideal strategy for accessing cash value that limits my tax burden?

How does a policy loan work?

How does a withdrawal work?

How much can I take out from my life insurance policy?

How much of my cash value can I access right away?

When can I start taking out cash from my policy?

Why are there surrender penalties for accessing my cash accumulation early if it is my money?

When should I consider accessing my funds?

Can I access the cash value after one lump payment?

If I take out cash from my policy, will my life insurance coverage go down?

Do I have to pay taxes on a policy loan or withdrawal?

How do loans and withdrawals affect my death benefit?

How can I ensure I don't lapse my policy by taking money out?

Leverage Protection

What additional protections can be added-on to my policy with Amplify?

How can I use my policy if I get seriously sick and what illnesses qualify me to take money out of my life insurance policy?

When can I access my life insurance coverage if I have a serious illness?

What is a “rider”?

What is a critical illness rider?

What is a terminal illness rider?

What is a chronic illness rider?

What is a long term care rider?

Do I have to pay taxes when taking out money for long term care, chronic illness, or terminal illness?

If I take out money early for long term care or critical illness, will my life insurance coverage decrease?

How much can I access if I had a serious illness?

Expand Protection

I already have a life insurance policy, should I consider replacing it with Amplify ?