Life & Health Insurance FAQs

How much life insurance should I carry?

The amount differs for each person. We can help you determine the correct amount of life insurance you should carry by completing a needs analysis. This analysis is based on your income, debt, assets, future estate taxes and priorities.

I employ 10 employees, and one of them has severe health problems. Can I still get group health coverage?

Yes. Companies in North Dakota or Minnesota with two or more employees can get group health insurance regardless of the health of your individual employees.

I employ 50+ employees and a couple employees have severe health problems. Can I still get group medical coverage?

In North Dakota and Minnesota some companies decline coverage for groups of 50+ employees with significant health issues. However, we may have group plans available through associations or health insurance purchasing cooperatives that will guarantee group coverage.

I recently quit smoking. Can my life policy be changed to indicate that I am a non-smoker for a lower rate?

Yes. After 1 year of being smoke-free you can have a urine test done and sign a statement that you no longer smoke.

My current individual health plan is very expensive and I would like to consider a less expensive plan, but I am worried about a pre-existing health condition.

Typically there is a 365-day waiting period for pre-existing health conditions. However, prior continuous coverage without a gap in coverage for more than 63 days, can reduce the 12-month waiting period.


Products and services offered through Bell Insurance are: Not FDIC Insured | No Bank Guarantee | May Lose Value | Not A Deposit | Not Insured by Any Federal Government Agency