Daniel Durazo of Allianz Partners talks about travel insurance coverage amid the constant fears of the coronavirus. With over 214,890 confirmed coronavirus cases worldwide and nearly 9,000 deaths caused by the pandemic, people are increasingly thinking about life insurance. However, a fundamental question in the minds of many consumers is whether their current policy will cover them or whether they should abandon the old one for something new. IS IT CORONAVIRUS COVERED BY TRAVEL INSURANCE? Here's what you need to know about life insurance during a global pandemic period. Does life insurance cover pandemics? “The policies cover and adapt even in the event of a pandemic. So the good news is that you are covered, there is no exclusion. If you have a traditional life insurance policy, you're fine, ”Dynam Insurance brokerage founder Erin Ardleigh told FOX Business. “The only exception is that sometimes people have what is called accidental death and power taxes. Hence, it is always important to understand what you have. "" If in doubt, you can always take a look at your policy or have someone you trust reading it for yourself if it's really overwhelming or you have some kind of exception or unusual clause in the policy itself, "Ardleigh offers a advice to consumers who are unsure of their current life insurance policy CORONAVIRUS INSURANCE CLAIMS? REMEMBER THESE 5 TIPS You also observed that during a pandemic such as the one currently underway with COVID-19, healthy consumers can opt for a virtual application, provided by most insurance companies. With a virtual application, you can store documents from the comfort of your home either online, over the phone or by fax. "There is a virtual application for licenses and very few people know. People who need a million dollar policy or less can apply virtually. They just have to fill out the paperwork, "he said. etto Ardleigh. This option is useful in pandemic situations where people are unwilling to leave their homes for insurance-related medical tests and doctors have limited resources due to the influx of sick patients, according to Ardleigh. Who is looking for life insurance now? When it comes to those who are getting more out of life insurance in the midst of the coronavirus pandemic, Dynama Insurance receives calls from "many people in their 20s, 30s, 40s and 50s". Of those they call, Ardleigh said that many are parents with children, individuals who have relied on coverage through work and people who have experienced recent events such as buying a house. review your insurance and see what you have that will be really important for the future, "said Ardleigh." Just like when you review your assessments, don't just take the insurance policy and cross your fingers, look how he is. "For example, some people with full-life policies may have planned to offset the premiums, which means that the resulting dividend is large enough to pay the premium for them. This could change if the coronavirus pandemic worsens. "I would definitely say it is the time to be very careful what you have when your next annual award arrives, "added Ardleigh. What do you think about long-term insurance or disability insurance? which some customers have called to ask if they should receive long term insurance or disability insurance in case they are at risk of contracting the virus. GET FOX BUSINESS ON THE GO BY CLICKING HERE "It is really important to actually need your policy, to understand how the benefits trigger, how they qualify," he said. "Both of these policies often have a waiting period where you have to wait about a time. It could be 60 days, it could be 90 days before you can use the policy." Most people who get coronavirus should ideally get better before 60 or 90 days, which could frustrate the purpose of getting these types of insurance in the first place. And with disability insurance, in particular, you have to prove a loss of income related to an illness or injury, which is typically 20 percent according to Ardleigh. The process could take up to six months. "Your policy may be different from that of your spouse or personal policy and insurance is also regulated and regulated by the state here in New York it may be different from that of your sister in Atlanta," stressed Ardleigh. Click here to read more about FOX BUSINESS To obtain a new insurance policy, Ardleigh says that consumers can search for comparative resources online or call a supplier directly. However, he believes that most will have the best of luck with independent mediation for a detailed breakdown of the benefits.