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TermTerm 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.
High RiskIf you have an illness or disease you may think that it will be impossible to buy life insurance. Actually, that is not true. Many insurance companies cater specifically to people like you. Here’s how to get the coverage you need at a price you can afford even if you face health challenges.
Disability
WholeMany life insurance agents love selling whole and universal life. Of course they make very fat commissions from these products. But are they the best choices for you? In some cases, maybe. But in many cases, whole life is not your best bet. This section explains how whole life works and who it might be best suited for.
SeniorsSeniors face unique challenges when it comes to life insurance. The older we are, the more expensive life insurance is. Also, as we age, we encounter more health challenges and those can also make it more difficult for seniors to find affordable life insurance. These posts will help you understand the market for senior life insurance and how to get the right coverage in place at the right price.
ReviewsLife insurance is a long term proposition. How do you know the insurance company you are doing business with today will be there when you need them several years from now? Of course there is no way to predict the future and anything could happen. But it’s just plain smart to understand a little about the insurance company you are dealing with before signing a contract. Here are a number of reviews to help you get an insider peak at several insurance companies as of the date of the review. As I said, things change so make sure you re-examine the current financial strength of any insurance company you are dealing rather than rely on past reviews.
No ExamBuying life insurance usually involved filling out forms, getting a physical, the insurance company looking through your doctor’s records and you waiting for several weeks for an answer. If you don’t have the time or patience for this, you might consider buying ‘No Exam” life insurance. Here are several posts to help you understand the pros and cons of this decision and how to go about this and save the most money you can.
Estate TaxEstate tax is not something most people need to worry about – at least for now. But it’s an important topic to understand none-the-less. That’s because Congress could change the law. If they do that, you might very well find yourself facing a stiff and devastating estate tax problem. Having said that, if you don’t have a taxable estate right now, it’s important to understand that too. Don’t let insurance agents sell you a solution for a problem you don’t really have.

MCMHA.org

Helping you make smart decisions about life insurance for you and your family.

Life insurance is a critical piece in the puzzle for those looking to secure their family’s finances.