Even if you don’t work in the insurance industry, it’s likely that you’re fully aware that you can take a life insurance policy on someone in your immediate family. That would include, at a minimum, your spouse, your children, or anyone who is a member of your household by blood or by adoption. But that’s […]
Term
Term life insurance can be a wonderful way to protect your family very inexpensively. This section is full of articles which explain the ins and outs of term life; how much you might need, how to buy it inexpensively and where the best places are to buy the coverage you need. This section also discusses some types of term life you might want to avoid.
It’s unusual to find anyone who thinks that life insurance is your most important coverage. Most people are more inclined to think that health insurance is most important, and without much hesitation. Does it really matter? After all, shouldn’t you have both types of coverage? In a perfect world, having both life insurance and health insurance […]
If you’ve ever taken a loan of any sort in the past – including a credit card – then you’re probably familiar with the concept of credit life insurance. Many, perhaps most, lenders encourage adding credit life insurance to loan arrangements. But is credit life insurance really something that you should buy? Credit Life Insurance […]
There’s sometimes a tendency to minimize the importance of a life insurance medical exam. But the best advice I can give is – don’t. While you may not be able to do much about any chronic health conditions that you have, there are ways that you can prepare for your life insurance medical exam that […]
Buying life insurance for the first time can be confusing at best – and intimidating at worst. Though it seems like a simple concept – you determine how much coverage you want, then search for the best rate possible – there are complications. There are different types of life insurance, many containing fuzzy provisions, plus all kinds of riders that can […]
Is there a nook somewhere in the global economy where you couldn’t save money by buying direct from the provider of the product or service? As the saying goes, never say never, and it richly applies when it comes to buying life insurance. You can buy life insurance direct, but it won’t save you any […]
Several years into the expanding economy some people are still struggling to pay their bills and to even survive. Money saving gurus and blogs are all over the place, recommending that you save money on everything from laundry detergent to car repairs. Everything it seems is on the table when it comes to saving money – and that can include life insurance. […]
There is a provision available with many term life insurance policies that many people are not aware of. And because it costs a little bit extra, they will likely pass on it even if they are made aware of it. It’s the term life conversion option, and it could be the single best method available […]
Is it possible to be so well off that you are virtually self-insured when it comes to life insurance? It probably is, if you’re worth several million dollars or more. There are a lot more people who are worth somewhere between $250,000 and $1 million – which is rich by the objective standards – but […]
There are certain things that we know to do on a regular basis. It’s likely that you will go to the dentist about every six months. There’s also the annual physical. And then of course you know that you need to change the oil in your car about every 3,000 miles. But did you know […]
