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  • Life Insurance from Maynard Insurance Agency in Barboursville & Huntington WV

    Maynard Insurance Agency, Inc. offers life insurance policies in Huntington, WV to protect your estate & your family.

    Life Insurance Policies Protect Your Estate and Your Family

    Customers purchase life insurance to help ensure their dependents have the resources they need to replace your income after they die. Understanding the process and working with an agent from Maynard Insurance Agency can provide options for getting the coverage you need at an affordable price.

    Two main categories of life insurance are “permanent,” which covers for your entire life, and “term,” which provides coverage for a set period of time. You may ask your agent for more information, or look up detailed information on the web. Some early questions you may ask are:

    • What am I trying to accomplish?
    • What insurance is out there
      (group or individual)?
    • What if I do not die?
    • Can the policy be upgraded?
    • Where do I purchase the policy?

    The type of coverage you select depends on several factors, such as the age of your dependents, your spouse’s financial ability, and your combined financial resources.

    Application Process – Tips:

    Basic personal contact information (name, address, employer) will be required, along with these identifiers:

    • Height
    • Weight
    • Date of Birth
    • Lifestyle/Habits
      (e.g., smoking, drinking, exercise)
    • Financial Information
      (e.g., annual income, net worth)

    It is important to tell the truth when applying for insurance. If the company discovers that you lied about a health condition or lifestyle, they may increase your premium, cancel the policy, and/or deny a beneficiary’s claim to the death benefit.

    Some companies accept health related answers on the application, but most require an in-person medical exam. Our agency may help arrange for such an exam, where the medical person may do the following:

    • Take your medical history
      (including medical conditions, surgeries, and prescription medications)
    • Ask about your immediate family’s medical history
    • Take your blood pressure
    • Listen to your heartbeat
    • Check your height and weight
    • Draw a blood sample
    • Get a urine sample
    • Ask about lifestyle habits that could affect your health
      (such as exercise, smoking, drinking, recreational drug use, frequent travel, or high-risk hobbies)

    Additional test may be required, based on your age, condition, and type of policy for which you are applying. These may include: EKG, chest x-ray, and/or treadmill or stress test.

    An insurance company underwriter reviews the application and medical results, as this determines the amount of risk you present to the company. They do look for any red flags that may indicate false information. After review, the company approves or denies your request to purchase coverage. Depending on how long testing and lab results take, this may take a few days or a few weeks.

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