Frequently asked questions

 

  • What’s the difference between term and whole life insurance?
    Term life provides coverage for a specific period (e.g., 20 years), while whole life offers lifelong protection with a cash value that grows over time.

  • Do I need a medical exam to get life insurance?
    It depends on the policy. Some plans require a medical exam, while others offer simplified or no-exam options based on age and coverage amount.

  • What is an IUL insurance policy?
    An Indexed Universal Life (IUL) policy is a type of permanent life insurance that includes a death benefit and a cash value component, which grows based on the performance of a market index, like the S&P 500.

  • Can I lose money with an IUL?
    No. While the cash value growth is tied to a market index, IULs typically have a guaranteed minimum interest rate, meaning you’re protected from market losses—even if the index performs poorly.

  • How flexible is an IUL policy?
    Very flexible. You can adjust your premium payments and death benefit (within limits), and even access the cash value through loans or withdrawals, often tax-free if done properly.

  • Who is a good fit for an IUL policy?
    IULs are great for individuals who want lifelong coverage, tax-deferred cash value growth, and the potential for higher returns than traditional whole life—without direct market risk.

 

  • What do I need to bring to a notary appointment?
    You’ll need a valid photo ID and the document(s) you need notarized. All signers must be present and willing.

  •  Do you offer same-day or after-hours appointments?
    Absolutely. We understand that life happens—we offer flexible scheduling, including evenings and weekends when available.

 

  • What is a loan signing agent and when do I need one?
    A loan signing agent is a notary specially trained to handle real estate and loan documents. You’ll need one when closing on a home loan, refinance, or reverse mortgage.

  • How long does a loan signing appointment take?
    Most appointments take about 30 to 60 minutes, depending on the number of documents and questions you may have.


 

  • What’s the difference between a notary and an attorney?
    Notaries verify identity and witness signatures, but they cannot provide legal advice. Always consult an attorney for legal guidance.
  • Is your service confidential?
    Yes. All of our notarial services are conducted with the utmost professionalism and privacy.
  • Can you notarize documents in a hospital, nursing home, or jail?
    Yes. We offer mobile notary services to medical facilities and detention centers, with sensitivity to special circumstances.

What is Westgate’s pet policy?

Dog Friendly Policy:

Unless otherwise stated, most Westgate Resort locations are dog friendly. Please note that no other animal types are permitted on any Westgate property and is strictly enforced for the safety and enjoyment of all guests. Westgate Resorts will allow up to two (2) dogs per room/suite as “pets”. A dog must not exceed 60 pounds, or in the case of 2 dogs, they must not exceed 60 pounds combined. Height and length restrictions apply, dogs can be no longer than 36 inches and no taller than 36 inches. A mandatory, non-refundable cleaning fee of $150 will be charged upon check in for dogs reported to Front Desk. An additional $100 penalty will be charged for dogs unreported and found in the room/suite. While the dog is in the room/suite, it is required to be supervised by the guest or always crated. At the time when Housekeeping services are provided, housekeeping will not service the room/suite if the dog is left unattended or is not properly crated. When the dog is out of the room/suite and on property, the dog is required to be on a leash and under the control of the handler. In the event the dog damages, soils/stains fabric or carpet beyond normal cleaning, additional charges will be assessed. Dog Relief Areas may be provided for the guest convenience. If not, guests are expected to take their dogs outside of the property’s public areas for any relief. Dogs will not be permitted in any guest public areas for relief. 

Do I have to use the same credit card to check-in that I used to purchase my package?

Yes, you must use the same credit card to check-in. The credit card must be in the same name as the person on the package. Upon check-in you will be asked to present a valid credit card or debit card with an available amount of up to $200.00 as a deposit. All money will be refunded upon departure less taxes and the incidentals. Check cards that are sponsored by American Express, Diners Club, Discover, Visa & Master Card are accepted. Prepaid and reloadable cards are not accepted.

Is child care provided at the resort?

Childcare varies depending on the property that you are staying at. You can contact the resort/hotel directly by using the phone number provided in your confirmation letter to inquire about the childcare hours of operation and fees.

Do I need to reconfirm my package prior to arrival?

Yes, please contact Customer Service at 1-800-218-4363 up to 10 days before your arrival date to re-confirm the details of your package and any additional items.

Must my spouse/significant other be present with me for the Resort Preview/Tour?

If married, cohabitating or engaged, both parties must attend the tour presentation together. Also, both parties must present a valid photo ID with matching addresses.

What is the Resort Preview/Tour Presentation about?

Your resort preview includes breakfast plus a fun and entertaining discovery tour of the property. You’ll be introduced to the many exquisite amenities and family-friendly activities available on site. Your friendly vacation representative will also explain the extraordinary benefits and savings provided by vacation ownership at Westgate Resorts. There is no obligation to purchase, and the rest of your vacation is simply yours to enjoy! In addition to receiving the best guaranteed price, all standard daily resort fees will be waived with your preview package.

What is the hotel date change /cancellation policy?

Any travel date cancellation/change within 7 days, will result in a $25 service fee. Any travel date cancellation/changes made within 72 hours of arrival are subject to a service fee of $25 plus the first night’s room rate at the standard, non-promotional rate.