Ditto Insurance’s Post

Transcript

Can I add a friend as a nominee to my term life insurance? Unfortunately, you can't. You can't hide your girlfriend or boyfriend either. You're only allowed to add direct dependence, which are your parents, spouse or kids. You can add your siblings as well, but the insurer might ask you a couple of clarifications there. Alright, let's take another one. Will health insurance cover accidental pregnancy? If you choose to keep the baby, most insurances won't cover the cost of maternity. Make sure to go through your policy wording and you'll figure this out. And if not, unfortunately this cost would not be covered. How do insurance companies know if you smoke? Will I get stopped? You're definitely not gonna get stopped. They're probably not going to come and stand outside your balcony, either. They will, however, conduct a medical checkup before giving you the policy. They take a urine sample, and they check for nicotine through a urine cotinine test. Send this to someone who bombards you with weird and crazy questions. Stay tuned for more.