Since we usually associate life insurance with replacing lost income the idea that a homemaker needs life insurance may not seem as important. But when you consider what will be lost upon the death of the homemaker, life insurance and the amount of coverage needed is seriously underrated. Though there may not be a need […]
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.
No matter how it may sometimes seem, life insurance premiums aren’t arbitrary. Insurance companies use various criteria to determine what your premiums will be, or if they will even approve you for a policy. There are several factors used to determine your life insurance premiums, including the following: Age Age is probably the single primary […]
Many people have a life insurance plan through work as part of their overall employee benefits package. It’s a nice benefit to have, but it’s often considered to be adequate coverage by millions of people who don’t have an accurate picture of what their life insurance needs actually are. The thought is often, I have […]
A 2010 study by the Life Insurance and Market Research Association showed that 56% of Americans do not have an individual life insurance policy, and that 30% have no life insurance at all. Worse, those numbers are on the rise. It’s easy to write this dilemma off to a bad economy, or to the rising […]
Cheap term life insurance is very easy to find. But is it the right cheap term life? That’s a different story. Fortunately, you don’t have to worry about that either. I’m going to show you how to get that taken care of as well. Where to Shop First, understand that shopping online for term life […]
There is a saying that there is nothing more expensive than a cheap haircut. I know from first-hand experience that this is true. (I was young and stupid once. Please….don’t make me go there.) But I also know from my professional experience that having the wrong kind of term life insurance can land you in […]
If you are wondering how much life insurance you need I have some very good news. First, finding the answer is pretty straight forward as you’ll see. Second, by asking this little question you’ve also found the key to saving a lot of money on life insurance. You see exactly what I mean in just […]
Life insurance agents love to argue that when it comes to term life insurance or whole life insurance, whole life is a better deal. As you’ll see shortly, they are completely wrong on this. I’m going to first explain how each of these life insurance policies work. Then we’ll discuss why term is better. Finally, […]
