01/08 Q&A




Analyzing Low Cost Term Life Insurance Quote for Pros and Cons

Analyzing term life insurance quotes can help you find the most affordable deal. As with all financial concessions, such as with cheaper term life plans, there will be compromises to be made with the amount and the types of coverage offered. Here are the pros and cons of low cost term life insurance.

What Are You Doing With Your Tax Refund?

Have you ever thought of investing your tax refund check into something that is guaranteed to pay out? Life insurance gets more expensive every year you wait to get started. Use part of your refund check to get a policy in effect this year and you can guarantee your insurability before it’s too late.

Life Insurance to Avoid

Many people are confused over what types of life insurance exist or what each type of life insurance means in terms of coverage, premiums and benefits. And if you have dependents who would be financially devastated if you died prematurely it’s really about the true need for a life insurance policy anyway. But there are policies you might want to think twice about, since they really don’t seem to have much of a purpose.

How Much Does It Cost to Die?

Funeral expenses are one of the last things that we need to take care of. Dying is not free! Your coffin, burial services and your grave cost money.

Term or Whole Life Insurance

What is the best life insurance policy? This is one of the first questions we ask before buying life coverage. Many people have to choose between a term and whole policy.

The Pros and Cons of Return of Premium Life Insurance

Return of Premium life insurance is a type of temporary life coverage that returns the premiums paid, if the insurer survives the policy’s term. Some consider it better than regular term life insurance, because you get all your money back. Many people feel cheated at the end of their term life policy.

Life Insurance For Seniors Over Age 75

Being over age 75 seems to prompt seniors to revisit their insurance needs. What plans are available? Should you do no exam and go for the full blown underwriting process? What happens if there are health issues? These most common questions will be answered below.

Why People May Select No Exam Life Insurance and Probably Should Not

As no exam life insurance became more popular, expediency may have created a need to just get life insurance done fast and as simply as possible. Although, it can serve a great purpose, no exam life insurance is not always the best choice even if you are in a hurry to get a policy. Read on…

Life Insurance Policies That Offer Cash Value

Because of the increased benefits offered by cash-value life insurance policies their premiums are usually higher than those of term policies. Cash-value policies offer the ability to use a portion of the policy similarly to a savings account. You may borrow against it, invest part of it or even withdraw a portion to meet your current needs. Premiums begin at a higher rate but increase more slowly than those of term policies.

How To Protect Yourself And Your Family If You Die

Life insurance is a simple concept – you buy a policy that pays to your beneficiary or beneficiaries tax-free when you die. However, deciding what kind life insurance to buy how much you need and how much you’ll pay for it are extremely complex.

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