Life insurance articles, videos, and guides.
There’s no doubt about it; both disability and life insurance are crucial things to consider for your future. However, it is recommended for consumers to weight out the difference to see if they want to purchase just one or both of these types of insurance plans. Here are some of the key differences between these …
Disability Insurance vs. Life Insurance: What’s The Difference? Read More »
Healthcare coverage is considered essential. It provides you with access to quality health services. Having adequate health coverage is one way to ensure that you maintain good health, prevent and manage the disease. With so much going on, choosing the best healthcare plan for you and your family is important. What is an HMO & …
We aren’t aiming to create the largest directory of life insurance (that would be madness). We’re hoping to put together a list of the most loved companies across the country. Big companies and small are both welcome. Our list is incomplete. And forever will be. So if you know of an company that’s not listed …
Individuals who smoke often notice that insurance charts often give a higher rate for life insurance coverage. This may seem unfair until you begin to consider how insurance calculates “risk.” Statistically, smokers are at higher risk for several health problems. As a result, this is reflected in the higher premiums. Health Problems Associated With Smoking …
The Impact of Smoking on Your Life Insurance Rates Read More »
Life insurance purposes range from helping individuals plan proper burial for building parents’ and spouses’ financial assets for their survivors. Joint life insurance covers multiple people and can be structured to continue even when one policyholder passes on. The number and needs of beneficiaries are top considerations for this policy. Joint life insurance policies explained …
Most people invest in life insurance to secure the financial status of their families after their death. It is understandable if you consider taking medicals exams as one of the most headache-inducing steps to go through. Though this process usually takes about 20 to 30 minutes, some applicants prefer to avoid it. Whether you are …
Because whole and variable life policies are not cheap, many people who are considering getting coverage may wonder if the cash value can be borrowed against. In most cases, the answer to that question is yes. A whole life policy builds cash value over time. While a term life policy, does not build any cash …
Borrowing from a Life Insurance Policy: Taking Cash Value Read More »
Whether it’s a life insurance policy, a personal savings account, or an employer-offered retirement account, designating a beneficiary is a way to ensure your assets are bequeathed or paid to who you’d like to have them. But, what happens if that beneficiary can’t or refuses to receive your assets and benefits? That’s where a contingent …
What is a Contingent Beneficiary? And Why is it Important? Read More »
Life insurance policies protect your financial dependents by paying a death benefit to your beneficiary(s), and, for some, it’s also a tax-free, wealth-building tool. While the majority of Americans would like to have life insurance, a large percentage fail to obtain it. This lapse is often because consumers don’t understand the ways life insurance can …
Do You Need Life Insurance? 10 Different Situations You Can Use Life Insurance Read More »
Funeral costs are a sudden and final expense that no one can escape. The wise among us plan for this inevitable expense with funds, so that family members are not caught by surprise with burial costs close to $10,000. Funeral / Burial Insurance Definition Burial insurance, also known as burial or final expense, is a …
