Frequently Asked Questions

Common Questions Answered

We know you have questions about insurance. Here are answers to some of the most common things people ask us. If you need more help, feel free to reach out anytime.

What types of insurance does TerrysInsurance offer?

We offer six main types of coverage to help protect the things that matter most in your life. This includes auto insurance for your vehicle, home insurance for your property, Medicare and health insurance for your medical needs, life insurance to support your family, and final expense coverage to ease the burden on loved ones. Each service comes with options that can be tailored to fit your situation.

How do I know which insurance plan is right for me?

Choosing the right plan depends on your personal needs, budget, and goals. Our team helps by asking questions about your lifestyle and what you want to protect. We then present options that match those needs and explain the differences clearly. You are never pressured to pick something that does not feel right. We are here to guide you toward the choice that makes sense for you.

Can I get coverage if I have pre-existing health conditions?

Yes, many plans are available even if you have health issues. Coverage options and costs may vary depending on your condition and the type of insurance you need. We work with multiple carriers to find plans that accept clients with different health backgrounds. The best way to know your options is to speak with us directly so we can review what is available for your specific situation.

How quickly can I get covered after applying?

The time it takes to get coverage depends on the type of insurance and how complete your application is. Some policies can start within a day or two, while others may take a few weeks if additional medical checks or information are needed. We keep you updated throughout the process and do everything we can to make approval as fast as possible without cutting corners on accuracy.

Do I need to be a resident to apply for insurance?

Most insurance plans require you to live in the area where the policy is issued. Requirements can vary based on the type of coverage and the carrier. If you are unsure about your eligibility, reach out to us and we can confirm whether you qualify based on your location and circumstances.

Can I change my coverage after I sign up?

Yes, most policies allow changes during certain times or when major life events happen. This might include moving to a new home, getting married, having a baby, or changing jobs. We help you update your coverage when your needs change. Just contact us and we will walk you through the process to make sure your policy stays up to date.

What happens if I miss a premium payment?

Missing a payment can lead to a lapse in coverage if not handled quickly. Most policies have a grace period that gives you extra time to pay before your coverage stops. We recommend setting up automatic payments to avoid this issue. If you do miss a payment, contact us right away so we can help you avoid losing your protection.

Are there discounts available for bundling policies?

Yes, many carriers offer discounts when you bundle multiple types of insurance together. For example, combining your auto and home coverage with the same company can lower your overall cost. We help you explore these options during your quote process so you can save money while getting the protection you need.

Can I cancel my policy if I change my mind?

Yes, you can cancel your policy, but the process and any fees depend on the terms of your contract and how long you have been covered. Some policies have a free look period where you can cancel without penalty. After that, there may be cancellation fees or a return of unused premium. We can explain the details and help you make the best decision if you are considering canceling.

What is the difference between term and whole life insurance?

Term life insurance covers you for a specific period, like ten or twenty years, and is usually more affordable. Whole life insurance lasts your entire life and builds cash value over time but costs more. The right choice depends on your goals and budget. We can help you compare both options and figure out which one fits your family planning best.

How do I file a claim?

Filing a claim usually starts with contacting us or your insurance carrier. You will need to provide details about what happened, along with any documentation like photos, reports, or receipts. We guide you through every step to make sure your claim is filed correctly and processed as quickly as possible. Our team is here to support you during what can be a stressful time.

How long does it take to process a claim?

The time it takes to process a claim varies based on the type of insurance and the complexity of the situation. Simple claims may be resolved in a few days, while more complicated cases can take weeks or longer. We stay in touch with you throughout the process to keep you informed and answer any questions that come up.

What if my claim gets denied?

If your claim is denied, the insurance company will explain why. You have the right to appeal the decision if you believe it was unfair. We can help you understand the reason for the denial and work with you to gather any additional information needed to challenge it. Our goal is to make sure you get the coverage you are entitled to under your policy.

Will filing a claim increase my premiums?

Filing a claim can sometimes affect your premiums, especially if you file multiple claims within a short period. However, not all claims lead to rate increases. It depends on the type of claim, your claims history, and the carrier's policies. We can help you understand the potential impact before you decide to file a claim.

Do I need to pay a deductible for every claim?

Most insurance policies require you to pay a deductible before the company covers the rest of the claim. The amount depends on your policy terms. Some types of coverage, like certain health or auto policies, may have different deductible rules. We can explain how your deductible works and what you will need to pay out of pocket when you file a claim.

What payment methods do you accept?

We accept various payment methods including credit cards, debit cards, electronic bank transfers, and checks. Many clients choose to set up automatic payments for convenience and to avoid missing due dates. We can help you choose the payment method that works best for your situation and set up automatic billing if you prefer.

Can I pay my premiums monthly instead of all at once?

Yes, most insurance policies offer flexible payment plans including monthly, quarterly, or annual options. Monthly payments make it easier to manage your budget, though paying annually might save you money in some cases. We can show you the different payment schedules available and help you pick the one that fits your finances best.

Are there any additional fees I should know about?

Most policies have transparent pricing, but there may be additional fees for things like late payments, policy changes, or cancellations. We make sure you understand all costs upfront before you commit to a policy. If any fees apply to your situation, we explain them clearly so there are no surprises down the road.

Will my rates go up over time?

Insurance rates can change based on factors like claims history, age, changes in coverage, and market conditions. Some policies have rate guarantees for a certain period. We review your policy regularly and let you know if changes are coming. Our goal is to help you find ways to keep your costs manageable while maintaining the coverage you need.

Can I get a refund if I overpay?

If you overpay or cancel your policy early, you may be entitled to a refund of any unused premium. The exact amount depends on your policy terms and how much time is left on your coverage. We handle the refund process for you and make sure any money owed to you is returned promptly according to the carrier's policies.