As we enter adulthood we often have a sense of invincibility. Because of this many young adults fail to consider purchasing a life insurance policy. No matter how young and healthy you may be it is important that you consider purchasing even a small term-life insurance policy to cover any final expenses that may arise in your name in case of a sudden illness or accident. Continue reading
Things in life change quickly and we rarely know how our circumstances will change over time. If you first purchase life insurance when you are young you may need to change and rearrange your policy over time. There are several reasons to consider making changes in your policy type, your coverage amount, and the way your beneficiaries are aligned. Some of the factors you may want to evaluate are marriage or divorce, the birth of children, impending retirement, or the purchase of a new home. Each of these situations will require more yearly expenses and should be a reason to increase your coverage. Continue reading
When you apply for a life insurance policy it’s standard practice to have to undergo some form of medical appraisal. People often get it in their heads this is some kind of brutally grueling obstacle course insurance-approved medical clinicians devise to weed out ‘undesirable’ policyholders. Continue reading
Most of us think about life insurance as a means to help replace lost income from our death. This income is especially important for dependents such as spouses and children who will suffer without its replacement. That said, why should a single person who does not have any children consider purchasing life insurance? Well, first of all no one knows their own destiny. If you are 45 and never plan to marry you could meet the person of your dreams and start a family five or ten years down the road. You just never know. Continue reading
This is a great article from Insure.com and it is also the editors pick.
If you’re like most Americans, you aren’t very confident about what to ask for when shopping for life insurance. Besides the major questions like, “How much should I get?”, or “What kind of insurance is right for me?”, there are a few other things you ought to ask any company you’re considering for your insurance needs. Continue reading
Most people are unaware most insurance policies are different. An auto insurance policy is different from a life insurance policy and a life insurance policy will be different from a long-term care or disability policy. While this can be confusing for someone interested in purchasing multiple insurance policies, the good news is that all of them share a few common items. Once you understand what they are you should be able to comprehend your insurance policy, no matter what type of insurance it is. Continue reading
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Because of the increased benefits offered by cash-value life insurance policies their premiums are usually higher than those of term policies. Cash-value policies offer the ability to use a portion of the policy similarly to a savings account. You may borrow against it, invest part of it or even withdraw a portion to meet your current needs. Premiums begin at a higher rate but increate more slowly than those of term policies. Continue reading
Lost Life insurance is a major problem that can lead to unclaimed life insurance. A life insurance database is a solution that will allow family members to find their loved ones life insurance policy when the time comes. A free life insurance registry can be used to guarantee your loved ones and family will always locate it. Continue reading