Life Insurance Cash Value: Five Smart Things You Can Do With It
If you have accumulated significant cash value within a Permanent Life Insurance policy, congratulations! The planning and decision-making you have made to save within such a policy are likely paying off. Thanks to the tremendous tax advantages that Congress has given...
The Importance Of Reviewing Insurance Needs When Having A Baby
Expecting a baby is one of the most joyous experiences in life. However, it also imposes overwhelming changes on your finances. As you prepare your nursery, it is equally important to talk to your insurance agent to make sure your coverage reflects the change in your...
The Importance Of Final Expense Coverage And Everything You Need To Know
Dying can be an expensive business. Many families are burdened by the final expenses for loved ones and sometimes they are stretched to make the final preparations. Battling with the pain of your passing away and worrying about the expenses will be too much of a...
Term Life Conversion Period: Know Why You Need To Monitor It
Term life insurance is a valuable financial tool for young families. The coverage guarantees a fixed benefit if the policyholder dies within a specific period of time. This protection can make all the difference if the family wage earner dies at an early age and the...
Life Insurance: Important Things You Need To Know When Your Children Are Grown
According to a study conducted by the Insurance Information Institute earlier this year, couples that feel they no longer need life insurance after their children are grown could leave themselves vulnerable to major financial problems. The research noted that life...
Benefits Over Cost: The Best Way Of Purchasing Term Life Insurance In 2020
Each of us has different needs for Life Insurance. Some would need large life insurance coverage while others have to work on a budget. We can always work with you to find an insurance that tailor fits your needs at an affordable price with Term Life Insurance. Costs...
Term Life Insurance: When Low Cost Is Not Always So Cheap
When we hear the words Term Life Insurance, we associate it with being the most affordable Life Insurance in the market today. But that’s all we know, and we want to dig deeper into how this works, what’s the coverage, and its security. So we go online and look for...
Return Of Premium For Term Life Insurance: Everything You Need To Know
Return of Premium for Term Life Insurance is not yet a very popular Term Life Insurance rider. According to research by LIMRA ( Life Insurance Marketing and Research Association ), only 2% of Term Life policyholders have added Return of Premium rider in their policy....
Whole Life VS. Term Insurance: The Difference You Need To Know
Purchasing Life Insurance gives you peace of mind and provides financial security to your loved ones. Having life insurance provides assurance to your family that even when you pass away, they will still be able to live the life you have dreamed for them. When one of...
Life Insurance: Why People Who Care For Their Families Get One
Death is Inevitable One moment, you may be very much alive and kicking, next moment you might be gone – forever. Your loved ones will only be left with memories of you and, sadly, they will be left responsible for paying off your debts. Ideally, when you die, all your...
Term Life Insurance: Advantages and Disadvantages
Term Life insurance is gaining popularity in the market today. It is becoming to be the most sought after insurance policy that most people would buy. Because of its affordability, many people have the means to purchase Term Life Insurance. However, no matter how...
Term Life Insurance: Everything You Need To Know Before You Buy
Purchasing life insurance is not an easy task. It is confusing and can sometimes be frustrating. The information associated with different insurance plans may not be easy to understand to some consumers. Even for those who have a little understanding of how insurance...
Term Life Insurance: The Best Option to Protect Our Families
Losing a family member is one of the most dreaded events in our lives. It is difficult to imagine the pain that the family will have to endure for the loss. Breadwinners would worry more about how the people depending on them for support are going to cope with their...
Term Life Insurance Conversion Privilege: Important Things You Need to Know
As we go through the major life stages, it is common that we accumulate debts. Such obligations arise from needs that come with starting a family, purchasing a house and vehicle, opening a business, or investing in retirement. Many of us tend to avail of the help of...
Affordable Burial Insurance for Seniors over 70
Many seniors without burial insurance are usually stressed that they haven’t made arrangements to have their funeral expenses paid in advance. In fact, most of them are concerned that they will leave a debt to their surviving loved ones instead of a legacy. When you...
What is Final Expense Insurance and Why Should I Buy It?
If you are a senior and watch any TV during the day or evening, you’ve likely seen commercials about Final Expense Insurance. Here we’ll discuss what it is and why you should buy it. First of all, it’s important to understand that everyone will leave some amount of...
Should I Buy Final Expense Insurance Direct?
Whenever we consider purchasing life insurance, we should also consider how important this purchase is. After all, your life insurance isn’t for you, it’s for your beneficiaries which are typically surviving loved ones. Lately, more and more insurance companies are...
Best Final Expense Insurance
Unless you are an active duty member of the military or a veteran, someone will have to pay for your funeral and burial when you die. And, even though the military helps with the costs of burying service members and veterans, the amount they offer will typically fall...
How to Buy the Best Burial Insurance
Most seniors understand that having a burial insurance policy to cover their final expenses will financially protect their surviving loved ones. Is it important to you that your friends and family can mourn their loss without the burden of paying for your funeral? Is...
Term Life Quotes from Protective Life
For young adults who are starting a family, life insurance should play a large part in their insurance portfolio. You have to have car insurance and if you have a mortgage on your house, the lender will certainly require homeowner’s, and everybody knows that health...
What is Return of Premium Term Insurance?
If you are anything like most consumers in the U.S., you’ve probably not heard of return of premium life insurance. The insurance research group LIMRA, reports that return of premium term insurance only amounts to about 2% of policies being sold today. Even in its...
Marijuana and Life Insurance
It’s no great shock that lifestyle is so important when it comes purchasing affordable life insurance. Your physical health, mental health, family medical history, gender, age, occupation and even hobbies - these are all typical aspects that affect your life insurance...
What are the Pros and Cons of Universal Life Insurance?
With a product name of “Universal Life Insurance,” consumers might be mistaken that Universal Life Insurance is the perfect insurance solution for everyone. Quite frankly, it’s not. There are advantages and disadvantages for every type of life insurance and that...
Pros and Cons of Whole Life Insurance Policies
The most popular and well-established permanent life insurance policy on the market is the whole life insurance policy. However, most life insurance professionals recommend term life insurance as the better option. Like most financial decisions, each situation is...