High Risk Life Insurance
If you have an obligation which decreases over time, it might seem like a declining term life insurance product might be the perfect solution. The death benefit would decrease in line with the obligation, so you’re never over paying, right? Unfortunately, it’s not this straight forward. These types of products do exist, yet they are […]
Americans buy and sell, on average, seven different homes or properties throughout their life. They move through as many careers in their lifetime as well, especially the younger generation. Insurance products sometimes need to be changed as well, for a couple reasons. But, it’s not always advantageous for a consumer to make a change. A […]
If you’ve never heard of bank owned life insurance, you’d be among a large crowd. It’s a type of life insurance and contract combo which allows a bank to own a life insurance policy and be its beneficiary, while utilizing the benefits of the life insurance as a benefit package. Because the benefits are tax-free […]
Life insurance isn’t just for the working years of your life. It does much more than replace income to your family. Life insurance for retirement is all about leverage. There are so many ways to leverage your assets and income using life insurance, and the concepts are simple. The hardest part about some of these […]
In the past, trying to find cheap personal life insurance meant browsing through phone books, calling agents all around town, or hiring a broker who could help you out. While an independent broker was simplest, you still had to trust what he had for you was the best available. In 2014, it’s even simpler and […]
Term life insurance comes in quite a lot of forms, and 25 year term life insurance is no different. The most common types of term life are 20-year and 30-year, but as consumers needs persistently change, more and more carriers are adopting new policies. A 25 year term life insurance product can fit a few different […]
Curious to know about split dollar life insurance? Want to know if your situation is a strong fit for this type of plan? Split dollar life insurance is not a common plan for the common consumer. In fact, it’s for a group of people looking to more or less consolidate their insurance efforts into […]
The thought of dying is an unpleasant one, yet life insurance for parents plays a mandatory role for most Americans. A small percentage of people ever even use a term life insurance policy, but for the times it’s needed, it’s truly a life saver for those left behind. When parents buy life insurance, they’re not doing for […]
When you’re buying something, the brand name matters. Insurance is no different. Don’t you want to make sure you’re paying your premiums to the company who will best represent your needs when make a claim? Obviously, as a consumer, you can sit around and hunt-n-peck through all the company filings to see where you want […]
Have you ever heard the phrase “buy term and invest the difference?” If you are a Dave Ramsey or Suzy Orman enthusiast, you’re probably familiar with the idea, and there are plenty of people who have opened further discussion about it since the idea has was initialized. Well, let’s discuss it openly here by first […]