Life Insurance Simplified
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About Us
Your partner for all things life insurance.
ClearOne Insurance stands as your steadfast ally in navigating life insurance. We’re dedicated to being there for you at every step, ensuring you’re well-informed and well-protected.
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We partner with the most reliable and reputable carriers. This ensures that you receive the highest quality coverage from trusted companies.
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Unlock substantial savings on your insurance policies with help from experts that know the market and discover the most cost-effective solutions without compromising on coverage.
Dedicated Experts
At ClearOne Insurance is composed of dedicated experts committed to providing personalized guidance every step of the way.
Over 25,000 families protected and counting
LIFE INSURANCE MADE EASY
Find a policy that works for you
There is no better time than now to find out about final expense insurance and put a plan in place for your family.
FAQs
Get answers to common life insurance questions below
Life insurance is a contract between an individual and an insurance company, where the insurer agrees to pay a designated beneficiary a sum of money upon the death of the policyholder, in exchange for premium payments.
Most policies have a grace period (usually 30 days). If the premium isn’t paid within this period, the policy might lapse, potentially leaving you without coverage. Some whole life policies allow the use of the cash value to pay premiums, but this can reduce the death benefit.
With certain policies, you can make changes like increasing the death benefit, changing beneficiaries, or converting from term to whole life insurance. However, these changes might require additional underwriting and could affect your premiums.
A beneficiary can be anyone the policyholder chooses, typically a family member, a spouse, children, a business partner, or even a charity.
Premiums can be paid monthly, quarterly, semi-annually, or annually. The amount depends on the type of policy, the amount of coverage, the policyholder’s age, health, and lifestyle.
The two primary types are term life insurance, which provides coverage for a specific period, and whole life insurance, which offers coverage for the policyholder’s entire life and typically includes a savings component.
The right amount depends on your financial needs and goals. Consider factors like income replacement, debts, future educational expenses for children, and funeral costs.
Most life insurance policies cover death from natural causes, accidents, and sometimes even illness. However, there are exclusions such as death due to suicide within a specific period after the policy starts, or death due to a risky activity or illegal behavior.
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