Life Insurance for Seniors: Tips on Getting the Best
Life insurance is essential if you want to provide for your family after your death and don’t have substantial assets to leave them. It’s something that everyone should consider when they have dependents, but if you’re over the age of 60 those insurance premiums could cost more than you can afford and more than they’re […]
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Everything you Need to Know About Life Insurance
You ensure your car, home, and health, so it only makes sense that you would insure your life. The difference is that you’re rarely the one benefiting from this insurance, as the money goes to your loved ones when you’re no longer around to support them. With life insurance, your death will be less of […]
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How do Life Insurance Companies Make Money?
Life insurance seems like a pretty good deal. You pay $30 a month for 20 or 30 years and in the event of your death, your family gets a sizeable cash sum, often in excess of $250,000. Every 12 seconds someone dies in the United States and these deaths occur across all demographics (although the […]
Read MoreHow to Get Cheaper Life Insurance Policies
Life insurance is essential if you have debts, a mortgage or lots of dependents. However, the older you are, the more expensive it becomes. If you add medical issues and other health concerns to the mix then you might be refused altogether or quoted astronomical premiums that make you question whether it’s worth the protection. […]
Read MoreHow to Find Affordable Life Insurance
Life insurance can be expensive and if it’s essential those high costs can leave a nasty taste in your mouth. You may wonder if it’s worth purchasing a policy at all, which could place your family in jeopardy as they won’t have the cover they need when you pass. However, there are a few ways […]
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What is Permanent Life Insurance and How Much do you Need?
Permanent life insurance is defined as a whole-life policy, one that doesn’t expire and may provide a number of benefits during the policyholder’s life and when they pass away. It’s not a specific type of insurance, as such, and is instead an umbrella term used to describe life insurance policies that are not fixed to specific terms. Types […]
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Final Expense Life Insurance: What You Need to Know
Also known as burial or funeral insurance, final expense life insurance is a variant of whole life insurance designed to cover a single expense after the policyholder passes away. Often aimed at seniors, these insurance policies have reasonable monthly premiums but generally pay much smaller death benefits than term life insurance policies. What is Final […]
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What is Accidental Death Insurance, and do you Need it?
Accidental death insurance, also known as accidental death and dismemberment insurance, is a type of limited life insurance often acquired for a nominal fee or added to an existing policy. As the name suggests, it releases a benefit if the policyholder dies from an accident or suffers a dismemberment. Accidents kill an estimated 160,000 Americans […]
Read MoreJoint and Survivorship Insurance: What You Need to Know
A joint insurance policy is one taken by two people, offering benefits that aren’t provided by single policies and allow you to save a few bucks in monthly premiums. If you’re married and want your spouse to receive a benefit if you die and your children to receive one if you both die, it seems […]
Read MoreA Guide to Universal Life Insurance
A Guide to Universal Life Insurance Universal life insurance is a type of permanent life insurance, offering both a cash value and a death benefit. It offers numerous tax benefits and is often considered to be a combination of a life insurance policy and an investment; it can pay dividends, be cashed out, and offers a guaranteed death benefit at […]
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