I realize that this may sound like a ridiculous question at fist glance, but it’s one that brings up a potentially disastrous situation. Having life insurance does no one any good if your beneficiaries don’t know where your life insurance policies are. Speed of access to life insurance proceeds will be a critical factor, especially […]
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.
We hear so much these days about how credit, and credit scores in particular, can affect just about anything you want to do in life. But is this also true when it comes to applying for life insurance? Will a life insurance company charge higher premiums if you have bad credit? The answer is: it […]
There’s a lot of debate in the life insurance universe between whole and term, and which is the best type of policy to have. Whole life offers permanent life insurance coverage, plus an investment provision, but it’s way more expensive than term. Term offers the most coverage for the least amount of money, but there […]
If you’re not familiar with the concept, supplemental life insurance is an additional life insurance coverage over and above your regular basic policy. Such policies are established to cover certain contingencies upon your death. They can be available to cover certain major expenses, and in doing so, they’ll preserve your basic life insurance to cover […]
Term life insurance is a pretty simple concept. It’s a basic type of coverage, and it contains few bells, whistles, or complications. For that reason, you might drop your guard and make a mistake. In fact, there are at least five mistakes that you can make in connection with purchasing term life insurance. You need to avoid […]
Everybody needs to have at least some life insurance coverage, even if you’re single and have no dependents. At a minimum, you should want a coverage to pay for your final expenses and to clean up any lingering obligations so that your loved ones are not burdened with them after your death. And you may […]
If you have had life insurance on your college-age children since they were young, this question won’t apply to you. But if you don’t have coverage on them, or if you are contemplating terminating the policies that you have, you may want to give the matter’s more thought. This is especially true since college students […]
Life insurance for a newborn baby is hardly the first thing on the agenda for most parents. But having coverage on a newborn could be important for all of the same reasons that it would be on anyone else in your family. Life insurance for a newborn doesn’t have to be anything the least bit […]
Young families may be the most financially stressed group of all. Not only are there a lot of expenses in caring for a family, but there is also the need to acquire the major trappings that will be necessary to do it. This can include purchasing a house, starting a retirement plan, buying a new car – or a […]
Consumers often underestimate the potential to make mistakes when it comes to life insurance. Perhaps is because life insurance is often thought of as a fringe product – something you pay for with whatever is left in your budget at the end of the month. But life insurance is one of those quiet benefits. While […]
