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Frequently Asked Questions

1. What types of insurance do you offer?

At Zane Financial, we offer a variety of insurance solutions, including life insurance, cancer insurance (through Cancer Guard), accidental and sickness insurance, and estate planning services. Each of these helps protect you and your family in different ways, from income protection to legacy planning.

2. How can I choose the right insurance coverage?

Choosing the right coverage depends on your personal needs and financial situation. We recommend assessing your current life stage, financial responsibilities, and future goals. Our advisors can help you determine the best options by reviewing your unique circumstances and providing tailored recommendations.

3. What is Cancer Guard insurance?

Cancer Guard is a specialized insurance product that provides financial protection in the event of a cancer diagnosis. It offers lump-sum payouts to help cover medical expenses, treatments, or any other costs, so you can focus on your recovery without the financial burden. Zane Financial partners with Cancer Guard to offer this vital coverage to our clients.

4. What factors impact my insurance premiums?

Your insurance premiums are influenced by several factors, including your age, health status, lifestyle habits (such as smoking), the type of coverage, and the amount of coverage you choose. For some types of insurance, factors like occupation and risk level also play a role in determining your premium

5. How do I file a claim?

Filing a claim with Zane Financial is simple. Contact our team, and we’ll guide you through the process, which typically involves submitting necessary documentation, such as a claim form and proof of the incident (like medical reports or death certificates). Our team is here to ensure a smooth and efficient claims process for you.

6. What is the process for switching or updating my policy?

If you need to update or switch your policy, you can contact us directly. Whether you want to adjust your coverage amounts, change beneficiaries, or switch to a different type of policy, our team will assist you in reviewing your options and making the necessary changes to fit your current needs.

7. What happens if I miss a premium payment?

If you miss a premium payment, your insurance policy may enter a grace period, typically lasting 30 days, during which you can make the payment without losing coverage. After this period, your policy may lapse, meaning your coverage will stop. It’s essential to contact us as soon as possible if you're having trouble making payments.

8. How does estate planning work with insurance?

Estate planning with insurance involves using life insurance policies and other financial tools to secure your assets and ensure a smooth transition of wealth to your beneficiaries. Zane Financial can help you create a comprehensive plan that includes insurance solutions to protect your estate and legacy for future generations.

9. What is the difference between life insurance and accidental insurance?

Life insurance provides financial protection to your loved ones in the event of your death, regardless of the cause. Accidental insurance, on the other hand, covers incidents related specifically to accidents, such as injuries or death caused by an unforeseen event. Both types of insurance serve different purposes and can complement each other depending on your needs.

10. Are there exclusions or limitations to my coverage?

Yes, insurance policies may have exclusions or limitations. For example, some life insurance policies may exclude coverage for deaths resulting from high-risk activities like extreme sports, while cancer insurance may not cover pre-existing conditions. It’s important to review your policy thoroughly to understand any restrictions, and our team can help clarify any details.

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Frequently Asked Questions

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