Denise

Permanent Life Insurance — No longer a bad investment option?

Permanent life insurance in the United States is typically explained as insurance coverage that protects the insured until the event of death, no matter what age he dies, and has a cash-value (or investment) component built into it that will serve as a sa... Read >

How to find flexible, affordable disability insurance

Life is unpredictable and while it may be carrying on smoothly right now, there is no guarantee for the future. Currently, you may be able to provide for your family, give them a comfortable life and financial security, however, illness and accidents can ... Read >

Tough Times? Tips to keep your life insurance policy from lapsing

This harsh economic climate is home to several shocking trends, one of which is this fact: Only 44% of households have an individual life insurance policy, while 30% have no individual or group life insurance whatsoever (survey by LIMRA, an industry-spons... Read >

Marriage & Divorce

Life insurance professionals and financial advisors recommend reviewing your life insurance policy at least once every year with good reason. The amount of coverage you need changes constantly, and the two events in a family that herald the most amount of... Read >

Understanding Convertible Term Life Insurance

Term life insurance has several options that could prove to be beneficial and it’s worth considering each option before making a final decision. Your term life insurance choices include: Guaranteed level term life insurance is the most popular type of ... Read >

Low-Cost Life Insurance Companies

The life insurance industry has changed significantly over the years. Rates have come down drastically and today many life insurance companies are even willing to accommodate people with impaired health and offer coverage to just about anybody! Of course,... Read >

Long Term Care Insurance Options

Long term care insurance is an expensive proposition for most people, so it’s worth taking the time to consider all the facts and options available before you sign on the dotted line and start paying premiums for a long term care insurance policy. First o... Read >

If You’re Single, Do You Need Life Insurance?

Singles in their twenties and early thirties represent the new generation of thinkers. Armed with Internet speed, social media smarts, and a desire to invest their money where it counts, a life insurance product is one of the smartest decisions singles wi... Read >

Five Myths about Life Insurance

Many people don’t know enough about life insurance and therefore fall easy prey to myths and fallacies about life insurance that just aren’t true. Not knowing what or who to believe, a lot of people are afraid of buying life insurance for fear of being du... Read >

Term Life Insurance – Leaving Your Benefits to a Charity

A beneficiary is the designated recipient of the proceeds of your life insurance benefits. Your policy can be designated to a single beneficiary or have multiple beneficiaries. Life insurance beneficiaries are typically spouses, children or grandchildren.... Read >

Do You Have Enough Disability Insurance

What is your most valuable asset? Most people will say it’s their house, or their car, but not many consider their income to be their most valuable asset, and yet without an income none of us would be able to make payments on a house or a car. So just lik... Read >

Five Ways to Keep Your Life Insurance When You Can’t Afford Premiums

Tighter budgets and a slumping economy—two reasons why more and more Americans are allowing their life insurance policies to lapse. According to a survey conducted by LIMRA in 2010, the life insurance research group headquartered in Windsor, Connecticut, ... Read >

5 Reasons to Consider Long Term Care Life Insurance

One of the main reasons people don’t purchase long term care (LTC) insurance is because the premiums are expensive and they think the gamble of paying all that money against the probability of needing long term care is just not worth it. Many people who h... Read >

What You Need To Know Before Applying For Life Insurance

Buying a life insurance policy is one of the most difficult decisions you will make due to the vast range of life insurance products, carriers, policies and the nuances of factoring in your own financial situation into the decision-making process. Here ar... Read >

Understanding Term Life Insurance For The Terminally Ill

If you have been diagnosed with a terminal illness and need money to pay medical bills, your life insurance policy may offer you quick access to funds through accelerated death benefits, also known as terminal life insurance. Terminal life insurance i... Read >