Life Insurance
Understanding The Major Types Of Life Insurance Plans
If others are depending on you as a breadwinner, it only makes sense to have life insurance to protect your family. But shopping for a policy can be a complicated process. Several different types of life insurance are available, which means you have a variety of options from which to choose. Our experienced agent can…
Read MoreAm I Required To Buy A Company’s Life Insurance Once They Finance An Exam?
Except for guaranteed issue and other no-exam life insurance policies (with higher rates and lower face value), most insurance companies will require an in-person medical exam. A company representative will arrange for a physical exam to be conducted by a licensed healthcare professional selected and contracted by the life insurance company. This does not mean…
Read MoreWhat If My Beneficiary Can’t Claim My Life Insurance Money?
Many people purchase life insurance policies to provide for a spouse and children. But what happens if your death arrives while your children are still minors? In that case, the life insurance company cannot pay out benefits until the court appoints a guardian for your minor children. That can be a lengthy process, requiring attorney…
Read MoreWhat To Expect From A Life Insurance Exam
While you’ve likely shopped around to find the best auto, home or renters insurance, there might still be one lingering item on your insurance to-do list: get a life insurance policy. The process to get a life insurance policy isn’t that different from what you’re used to: Find a company you trust and work with a…
Read MoreWhat Life Insurance Policy Is Best For Me?
If you have a family depending on you, it is more important now than ever to have life insurance. There are many factors to consider when shopping for a policy. Our friendly agent can help you get the best quote on life insurance that suits your family’s needs. What Are The Major Types Of Life…
Read MoreIs Taking The Accelerated Death Benefit Worth It?
Accelerated death benefits are a relatively new option with life insurance policies. To qualify for these benefits, you must be terminally ill or chronically ill in some cases. For policyholders with severe health conditions, it may be worth it to take advantage of this option. How Do Accelerated Death Benefits Work? When you take accelerated…
Read MoreI Have Life Insurance Through Work. Isn’t That Enough?
Picture this: You land an exciting new job with great benefits: vacation time, health insurance, 401(k)… even free lunch once a week! They offer group life insurance, too – two times your annual salary. That sounds like a lot, right? In many cases, it might not stretch as far as you think. Let’s say you…
Read MoreIs It Ever Too Late To Get Life Insurance?
Strictly speaking, it is never too late to buy life insurance. However, the longer you wait to purchase a policy, the higher your premiums and the more limited your options. If you wait too long, you may have to settle for a policy that is less than you want at higher rates. Why Buy Life…
Read MoreWhat Do I Need To Do Before Buying Life Insurance?
Buying life insurance is an important financial decision. Not only can it help protect the loved ones who depend on you, but it can also serve as a useful financial tool. To help ensure you make the right decision, take the following steps before shopping for a life insurance policy. Determine How Much Life Insurance…
Read MoreWhat Do I Need To Do Before Buying Life Insurance?
Buying life insurance is an important financial decision. Not only can it help protect the loved ones who depend on you, but it can also serve as a useful financial tool. To help ensure you make the right decision, take the following steps before shopping for a life insurance policy. Determine How Much Life Insurance…
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