Happy Holidays 2013

Well, it’s coming down to the end of the year, and the holiday season is here. It’s the time for travel, love, and gifts for our families. Too often we focus on gifts of temporary pleasure when we should consider the gift of financial security. Life insurance does not require batteries and it will not be…

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Indexed Universal Life Insurance

Indexed universal life insurance (IUL) is a type of permanent, cash value life insurance. Like universal life insurance (UL), IUL offers you the ability to change your level of protection, premium amounts, and payment frequency.

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It’s Time to Review Your Life Insurance Needs

Your life insurance needs may change without you even realizing it. You may have purchased life insurance years ago, and never gave it a second thought. Or, you may not have life insurance at all–and now you need it. When your life circumstances change, you have a fresh opportunity to make sure the people you…

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Which Life Insurance Needs Approach Is Best?

There are a few ways that you can calculate the correct amount of life insurance that you should buy. Some of these methods take a simplistic approach, while others require a more involved analysis of your current and future financial situation. In this article I will explain several of the methods that can be used…

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Types of Cash Value Life Insurance

There are two main types of cash value life insurance: whole life and universal life. I have found that there is often some confusion, even among so-called experts, when it comes to permanent insurance (also called “cash value insurance”). I’ll do my best here to clear up the confusion and clearly explain the similarities and…

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Buy Life Insurance Online?

Have you ever wondered if it was possible to buy a life insurance policy online, without speaking to an insurance agent? Well, the short answer is “yes, you can“. The longer answer is “yes, you can, but be careful“! If you aren’t careful, you just might end up getting unwanted phone calls from a dozen…

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Top 5 Reasons to Buy Cheap Term Life Insurance

All right, all right, first of all, I hate using the word “cheap”. I am a big proponent of the Warren Buffet idea that says “Price is what you pay, value is what you get”. It applies to life insurance too. It might seem like one life insurance policy is the same as any other,…

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Life Insurance for Diabetics

While it is true that people with diabetes might find it difficult to buy life insurance coverage at a reasonable price, it is far from impossible. There are a number of very competitive carriers that would be happy to cover your life insurance needs and they can often do it at standard rates. This means…

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Life Insurance for Overweight People

One of the factors that a life insurance company considers when approving new applications is the the weight of the applicant. A life insurance company’s height and weight guidelines play a part in determining what health class a person can qualify for. If a person is too heavy for their height it can be difficult…

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Buy Life Insurance, Be Happy

According to a recent survey released by New York Life, people who buy life insurance report greater happiness and more optimism than people who don’t own such coverage. The survey indicated that forty-two percent of life insurance owners said they are very happy with their lives, compared with 32% of those without coverage. On top…

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Life Insurance: The Application Process

You’ve shopped around, found the right insurance policy, and now you’re ready to apply for it. What happens when you do? First, the paperwork You’ll need to fill out an application form, of course. The form will ask for the usual personal information, and then it’ll ask extensive questions about your medical history. You should…

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