Question 1

If someone dies, who should I call?

Accepted Answer

Call Folston’s Insurance Group immediately at 803-361-8703 so we can guide you through the claims process and ensure your family receives the support they need.

Question 2

I missed a payment. Who should I call?

Accepted Answer

Please contact our office right away at 803-361-8703 to discuss your options and prevent your policy from lapsing.

Question 3

Will anyone call or text me?

Accepted Answer

Yes. Our team will follow up with reminders, check-ins, and support via phone and text. You’ll never feel alone in this process.

Question 4

When should I expect a follow-up on my policy?

Accepted Answer

You can expect a follow-up within 7–10 business days after your policy is issued. We’ll go over your documents and answer any questions.

Question 5

Is this policy permanent or term? What’s the difference?

Accepted Answer

We’ll always explain which type you have. Permanent policies last for life, while term policies expire after a set period.

Question 6

Do I need a medical exam?

Accepted Answer

Not always. Some policies are “no-exam” or simplified issue. We’ll explain what applies to your plan.

Question 7

Will my family need a death certificate to claim the benefit?

Accepted Answer

Yes. It’s a standard requirement for all life insurance claims.

Frequently asked questions