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Do You Need A Life Insurance Policy?

One question that's asked by nearly everyone eventually is "should I get a life insurance policy?". Life insurance pays out a benefit when the person insured dies during the time that the policy is in force. It can provide the cash needed to pay for burial, pay off mortgages and loans and give your family a financial cushion while they get back on their feet. When you're young or have little discretionary income, it's easy to tell yourself that life insurance is just for the well-off, but the........ Read More

All About Life Insurance Settlements

Life insurance settlements refer to the amount of money your beneficiary receives after you die. The life insurance company pays the settlement based on the amount you have paid for with the premiums of the policy. Life insurance settlements are usually only paid out after your death and there are several types of life insurance policies you can choose from. Term life insurance pays out the life insurance settlements only if you die during the term of the policy. You can choose 5, 10, 15, and 2........ Read More

Guaranteed Issue Term Life Insurance

Have you ever been turned down for term life insurance coverage? Guaranteed issue term life insurance was created for those who have trouble obtaining basic term life insurance coverage. Guaranteed issue term life insurance is also known as a “simplified issue policy.” You are automatically accepted for coverage without being required to submit to a medical exam. In exchange for guaranteed coverage, you will be charged a higher term life insurance premium. The higher premiums are a fair trad........ Read More

Some Tips On Selecting A Universal Life Insurance Policy

Universal life insurance is a much more flexible form of whole life insurance. If whole life insurance appeals to you, but you aren’t quite comfortable with certain aspects of it, universal life insurance may be ideal for you. Take these tips into consideration when selecting a universal life insurance policy. Determine your life insurance needs. Universal life insurance isn’t the best form of life insurance for everyone. Some insurance experts recommend that only people who feel they........ Read More

Fairer Treatment For Life Insurance Needed

Deciding on how much life insurance you need to take out and the type of policy that you need is hard enough as it is, after all you are facing the fact that this would be paid out should you die. Recently the Financial Services Authority has been looking into the financial sector and life insurance is just one of them. The Financial Services Authority is the regulator for all financial service providers in the UK and looks out for the consumer when it comes to buying products. Recent finding........ Read More

Canadian Life Insurance

Canadians are realizing the need for life insurance and for more people, there is good news as the insurance companies have substantially lowered their rates over the past several years. Further more, Canada has a very sound financial services industry with the life insurance industry, having an excellent record for being able to keep its promises to consumers. Canadian Life Insurance Buyers The Canadian Life and Health Insurance Association works to ensure the health of the Canadian Life ........ Read More

Life Insurance - Outweighing The Benefits?

Have you filled in a life assurance application recently? There’s a little box that strikes fear into the heart of the “slightly overweight”. It simply asks you to state your weight. Do you go straight to the scales, undress to the state of nudity and jiggle about on the said scales, trying to pinpoint the lowest mark on the gauge? No, I thought not, you probably take a vague and over optimistic guess, write it in and swiftly move on to the next question. Most of us do it. It’s not reall........ Read More

Whole Life Insurance

Whole life insurance, also known as “cash-value” insurance is a basic and consistent type of permanent life insurance which remains in effect your entire life at a level premium. This life insurance is a good choice got you if you do not expect your life insurance needs to diminish over time. A portion of your premium goes into a reserve fund called ‘cash value’ that builds up over the years your policy is in affect. Your reserve fund is tax-deferred and you can borrow against it, until ........ Read More

The Basics Of Term Life Insurance

If you stop and think about all the time, effort and energy you have put into creating your family’s assets and your family itself, can you say that you have accumulated enough financial resources that your family would be secure upon your death or the death of your spouse? Or, would it be more likely that you or your spouse’s loss would financially devastate your family? Generally, term life insurance is taken out to protect your loved ones from debts. For example, if you and your spouse........ Read More

Understanding Important Term Life Insurance Definitions

Buying term life insurance can be a daunting experience for some people. Just like in many industries, insurance policies use words that are defined differently than what the common definition is. As the insurance industry has a vocabulary of its own, the best thing to do would be to educate yourself on some of the key words so that when it comes time to apply for your term life insurance coverage it is a clearer and less intimidating process. The following is a list of the more uncommon defi........ Read More

How To Make Huge Savings On Your Life Insurance

Having life insurance is essential especially if you have children and a family who are dependant on you. While it would be hard enough for them to come to terms with the death of their loved one, they would also have the added worry about how to cope financially. A recent survey has however shown that a staggering third of all people who pay out for life insurance pay far too much for their premium. There are however many ways that you can save money on your life insurance premiums and one o........ Read More

Getting The Cheapest Life Insurance Cover Online

When it comes to getting the cheapest life insurance cover then going online is the best way to secure your policy. Even better is going with an independent broker, which can in the long run save you money and will definitely save you the hassle of having to wade through the different insurers yourself for the best deal, even if you know what to look for. There are many different factors that have to be taken into account when buying life insurance and of course policies are not the easiest t........ Read More

Term Life Insurance For Business Owners Or Key Executives

Starting a business is a stressful endeavor. There is so much to consider regarding basic operations and so many forms to fill out and papers to file. It is truly a wonder that businesses are able to get off the ground at all. If you are a new business owner, you know that insurance of all types is very much part of the equation in the development and opening of your business. However busy you are with the basic operations of business, you must take time out to implement a strategy to keep your ........ Read More

How To Compare Low Cost Life Insurance In Connecticut

When comparing low cost life insurance in the state of Connecticut, there are a few rules you should follow: 1. Compare term to term and whole life to whole life: There are marked differences between term and whole life policies. To compare pricing of a term policy against whole life policy will do you a disservice. They are as different from each other as renting an apartment is from purchasing a house. Here’s a brief overview of each policy: a. Term Life: Term policies are written for ........ Read More

Life Insurance Equals Peace Of Mind

No one likes to think about the consequences of death and its affects on those that we leave behind. It is however an indisputable fact that sooner or later we will all shuffle off our mortal coils, often without warning. When that time comes a life insurance policy will ensure the financial security of our loved ones in their grief, and will ultimately give each of us the peace of mind that our mortgage is paid off and our families taken care of when we die. Life insurance these days is in fac........ Read More


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