FAQs

Divi Plus Insurance Company offers a wide range of insurance services, including Life Insurance, Health Insurance, Car Insurance, and Home Insurance. We are committed to providing comprehensive coverage tailored to our clients’s unique needs.

Getting a quote is easy! You can request a quote online through our website by filling out a simple form or by reaching out to our customer support team directly. We will be happy to assist you in finding the best coverage options.

Absolutely! At Divi Plus Insurance, we understand that every individual’s needs are unique. We offer flexible policies that can be tailored to match your requirements and provide the most suitable coverage.

Filing an insurance claim is simple and hassle-free. You can initiate a claim by contacting our claims department via phone or email. Our dedicated team will guide you through the process and ensure a smooth claim settlement.

You can easily update your policy information or contact details by contacting our customer support team. They will assist you in making any necessary changes to keep your policy up-to-date.

Yes, you have the option to cancel your insurance policy at any time. However, it’s essential to review the policy terms and potential implications before making a decision. We recommend discussing your options with our team to find the best solution for you.

Life insurance is a financial contract between you and an insurance company. In exchange for premium payments, the insurer provides a lump-sum payment to your beneficiaries upon your death, helping provide financial support in the event of your passing.

Life insurance offers peace of mind by ensuring your loved ones are financially protected after you’re gone. It can cover funeral costs, outstanding debts, mortgages, and provide income replacement for your family.

There are several types, including term life insurance (temporary coverage), whole life insurance (permanent coverage), and universal life insurance (flexible coverage with potential cash value growth).

Your coverage amount should account for factors like your financial obligations, outstanding debts, future income needs for your family, and any other dependents.

erm life insurance covers you for a specific term (e.g., 10, 20, 30 years), while permanent life insurance lasts your entire life and often includes a cash value component.

It depends on the type and amount of coverage you’re applying for. Some policies may require a medical exam, while others offer simplified underwriting or no-exam options.

Yes, some policies offer flexibility to adjust coverage, beneficiaries, or even convert term insurance to permanent insurance, depending on the terms of your policy.

Premiums are influenced by factors like your age, health, lifestyle, coverage amount, policy type, and sometimes your occupation.

Yes, you can name multiple beneficiaries and allocate percentages of the benefit to each.

Certain permanent policies like whole life and universal life may accumulate cash value over time, which you can borrow against.

Car insurance is a contract between you and an insurance company that provides financial protection against damage to your vehicle and liability for injuries or damages caused to others in case of an accident.

Car insurance is required by law in most places to protect yourself and others on the road. It offers financial coverage in case of accidents, theft, or damage to your vehicle.

Common types include liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP).

Liability coverage pays for injuries or damages you’re responsible for in an accident. It’s typically split into bodily injury liability and property damage liability.

Collision coverage pays for damage to your own vehicle in case of an accident, regardless of fault.

Comprehensive coverage covers damage to your car caused by non-collision events like theft, vandalism, fire, or natural disasters.

This coverage protects you if you’re in an accident with a driver who has inadequate or no insurance.

A deductible is the amount you pay out of pocket before your insurance coverage kicks in.

Yes, you can adjust coverage limits and add optional coverages like roadside assistance or rental car reimbursement.

Premiums are influenced by factors such as your driving record, age, location, type of vehicle, coverage limits, and more.

Health insurance is a contract between you and an insurance company, providing financial coverage for medical expenses and healthcare services.

Health insurance ensures you have access to medical care without incurring exorbitant costs. It offers financial protection against unexpected medical bills.

Common types include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO), and High Deductible Health Plan (HDHP) with Health Savings Account (HSA).

An out-of-pocket maximum is the most you have to pay for covered healthcare services in a plan year. Once you reach this limit, the insurance company covers all additional costs.

A premium is the amount you pay for the insurance plan. A deductible is the amount you pay for covered services before the insurance kicks in. A copay is a fixed amount you pay for each medical service.

It depends on the type of plan. HMOs usually require you to use network providers, while PPOs offer more flexibility to use both in-network and out-of-network providers.

A pre-existing condition is a health condition you had before getting health insurance. The Affordable Care Act prevents insurers from denying coverage or charging more for pre-existing conditions.

Yes, you can explore options like private health insurance, government programs (Medicaid), or health insurance marketplaces, depending on your circumstances.

Consider factors like your healthcare needs, budget, preferred doctors/hospitals, and coverage options when comparing plans.

Some health insurance plans include limited dental and vision coverage, but you might need separate plans for comprehensive coverage.

Home insurance is a contract that provides financial protection for your home and belongings against various risks, including damage, theft, and liability.

Home insurance offers financial security by covering repair or replacement costs in case of damage, theft, or accidents. It also protects against liability for injuries on your property.

Common coverage types include dwelling coverage (for your home’s structure), personal property coverage, liability coverage, and additional living expenses coverage.

Dwelling coverage protects your home’s structure against damage from covered perils like fire, wind, and more.

Personal property coverage reimburses you for belongings damaged or stolen, both inside and outside your home.

Liability coverage offers financial protection if you’re found liable for injuries or damages to others, both on and off your property.

Your coverage amount should reflect your home’s rebuilding cost, personal belongings value, and potential liability risks.

No, floods and earthquakes are typically not covered by standard policies. You may need to purchase separate flood or earthquake insurance.

Yes, you can adjust your coverage limits and add endorsements to suit changes in your home’s value, possessions, or lifestyle.

Premiums are influenced by factors like your home’s location, age, construction type, coverage limits, deductible, and your claims history.