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Best Riders to add to your Term Life Insurance

Probably the most popular form of life insurance today, Term Life Insurance is heavily advertised by all the major players because of affordable rates. This is the perfect product for young, growing families who may be creating a lot of debt. Since the policyholder is paying only for the cost of insurance for a set…

Life Insurance for Stay at Home Parents

While most people are aware of the financial benefits of securing life insurance for an adult with a job outside of the home, focusing on this alone leaves out the contributions of a parent staying at home. These individuals, too, should have the protection offered by life insurance. The loss of a parent who stays…

BENEFITS OF TERM LIFE INSURANCE

One of the most popular forms of life insurance is referred to as term life. This relatively simple product appeals to a broad range of individuals with various needs. On the whole, term life insurance tends to be the most affordable option for numerous families around the country. Although there are no bells and whistles…

LIFE INSURANCE FOR CIGAR SMOKERS

It’s a known fact that cigarette smokers pay more for their life insurance. A common question from life insurance applicants is whether or not an occasional cigar smoker is classified with tobacco rates by the life insurance company. The answer is that it depends. First of all, many life insurance carriers will request the completion…

A LETTER FROM YOUR INSURANCE POLICY TO YOU

I am your life insurance policy. You and I have similar purposes in this world. It is your job to provide food, clothing, shelter, schooling, medicine, and other things for your loved ones. You do this while I lie in your safe deposit box. I have faith and trust in you. Out of your earnings…

TERM LIFE INSURANCE EXPLAINED

Term life insurance is the most inexpensive way to provide your family with death benefit protection. With term insurance, the premiums you pay provide you with coverage for a specified period of time. There is no savings component, no special features, no cash value accumulation. Term Life Insuance is the simplest form of life insurance…

WHOLE LIFE INSURANCE FOR CHILDREN

Life insurance is not just for adults. When structured appropriately, the purchase of whole life insurance can be a great gift to a child or grandchild. Purchasing a whole life insurance policy, which has a cash value component to accumulate money over the life of the policy, might be a good way to contribute towards…

TERM LIFE INSURANCE BASICS

What is term life insurance? Term life insurance is the most inexpensive way to provide your family with death benefit protection. With term insurance, the premiums you pay provide you with coverage for a specified period of time. There is no savings component, no special features, no cash value accumulation … it’s the simplest form of life insurance you can buy. Why…

RETIREES MAY NEED MORE LIFE INSURANCE THAN THEY THINK

If you died today, your spouse would still be faced with daily living expenses—for 10, 20, or even 30 years. Without life insurance, would he or she be able to pay off your obligations, maintain the lifestyle you have both worked so hard to achieve, and pass on something to your children and grandchildren? For…

LIFE INSURANCE 101

What is life insurance? Life insurance comes in various forms. It is a promise made by an insurance company to pay a death benefit to a beneficiary on the death of the insured, in exchange for a series of premium payments from a policyholder. Typically, the death benefit will be many times larger than any…