The Worst Way to Reduce Your Life Insurance Rate
Posted March 9th, 2010 by stripes39 - no comments
No one wants to pay more than they have to for life insurance. You want the best deal, and the most coverage, for the least amount of money. That’s what being a responsible consumer is all about.
There are several ways you can reduce your life insurance premiums, too. You can get a multiple policy discount. [...]
Kick Your Own Butt and Save on Life Insurance
Posted March 1st, 2010 by stripes39 - no comments
If you’ve applied for term life insurance at all, you know that one of the questions you’re going to get asked is whether or not you smoke. Life insurance companies typically charge much higher premiums for smokers than they do for non-smokers. In fact, the cost can often be nearly three times the cost for [...]
Read More →Single, Flexible and Fixed
Posted February 26th, 2010 by Robert Evans - no comments
No, this isn’t a blog post about what kind of girlfriend you’re hoping to find. It’s much more mundane than that, but may be just as important.
I’m talking about life insurance.
One of the frustrating things about life insurance is all the specialized terms. Over the years, life insurance has changed as peoples’ needs have changed [...]
Getting Life Insurance over 60
Posted February 25th, 2010 by James W - no comments
As baby boomers get old and older (and somehow look younger and younger, thanks to cosmetic surgery and Botox) their needs change. When you’re in your 30s and have small kids at home, you want to make sure they’ll be all right if, God forbid, something horrible happens to you. That’s why you buy term [...]
Read More →Watch Out for Life Insurance Scams
Posted February 18th, 2010 by James W - no comments
When you think about life insurance fraud, you probably think about those cases where someone’s taken out a life insurance policy on a family member who then, through an elaborate series of intricate tricks and maneuvers, fakes their own death. The family then collects the life insurance, and the “dead” man retires in wealth on [...]
Read More →Do Children Need Life Insurance?
Posted February 16th, 2010 by Robert Evans - no comments
The most important question to consider when you’re looking at buying a life insurance policy for a child is “why?” What is it that you’re hoping to accomplish? Life insurance is designed to provide peace of mind, and to provide a monetary settlement if someone passes away.
When life insurance makes sense
For an adult that’s the [...]
What an Insurance Agent Does for You
Posted February 12th, 2010 by James W - no comments
In the Information Age, many industries are moving from a much more personal and person-based approach to an impersonal approach. Where at one time you’d go into your local bank and talk to one of your neighbors about getting a loan to buy a new home, today you’re just as likely to log into a [...]
Read More →Life Insurance Settlements
Posted February 10th, 2010 by James W - no comments
An option that has become more popular as a way to supplement depleted finances is the secondary life settlement market. All life insurance policies, including term life, are eligible for settlements.
How it Works
The way this works is that the existing life insurance policy is sold from the current policy owner to a third party via [...]
Financial Experts Weigh in on Term Life Insurance
Posted February 9th, 2010 by Robert Evans - no comments
Although we are more than a month into the New Year, some resolutions may still be doable. In fact, the number one New Year’s resolution (ahead of even losing weight!) is financial. Franklin Covey, the global leadership and effectiveness training and products company, conduct a survey each year on our yearly resolutions.
The top three are:
Improving [...]
Read More →Best and Worst Ways to Die
Posted February 8th, 2010 by stripes39 - no comments
Everybody does it, but few really want to do it. Yes, we’re talking about your old nemesis, death.
Still, if you gotta go, there are worse ways to go than others. Most folks would prefer to die peacefully in their sleep at the ripe old age of 150, with plenty of life insurance to make sure [...]
- Do I Need a Medical Exam for Life Insurance?
- How Much Life Insurance Do I Need?
- The Difference Between Term and Other Life Insurance Policies
- What Are The Tax Repercussions of the Life Insurance Death Benefit?
- What is Term Life Insurance?
- What Riders/Options/Features are Available on Life Insurance Policies?
- What Term is Right for You?
