Who Needs It?
Child Life Insurance
Life insurance is for all. It’s not just for adults. Even a child’s life can be insured with child life insurance. Most of us never think out our children could die. But life is always unpredictable. Life insurance is not always about death. Child life insurance is about the future and preparation for a better [...]
Life Insurance Trusts
Is life insurance trust a good idea for you? Well, if you are looking to reduce your estate tax liabilities, setting up a life insurance trust may be in your best interest, as well as that of your heirs and beneficiaries. Before going further, you must understand what a life insurance trust is. A life [...]
Term Life vs. Whole Life Insurance for Young Adults
Term life insurance provides coverage for a specific period or term. It is sometimes referred to as temporary insurance. The policy pays cash benefits to the beneficiary if death occurs within the specified period or term. Term insurance provides protection for a specified period of time. Term life insurance is a special kind of life [...]
Special risk advocators
If you have a medical condition you can get still get life insurance. But the cost of life insurance will be downright outrageous. Things might change soon. There is now a new breed of insurance professional out there called special risk advocators. These special risk advocators help people with medical problems find affordable insurance. They [...]
Whole life insurance for the young
If you are young and just out of college, life insurance is probably the last thing on your mind. Sometime, you employer may offer you life insurance as part of your package. With life expectancy increasing every year, the likelihood of death before one’s thirtieth birthday is quite small but the destruction it can leave [...]
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Life insurance for people over 50
You may be over 50 years old but that will not do away with the need for life insurance. There may be family members and other who still depend on you. Many of you would have purchased term coverage when you were younger when your kids needed your support, and your house had a huge [...]
Variable Life Insurance
If you are young, ready to take on the world and looking for long term protection, you might want to consider variable life insurance. It offers investment and security. It is a form of whole life insurance but gives you more control over the cash value and death benefits amount. Variable life insurance provides permanent [...]
Choosing life insurance based on age
One of the factors which you must consider when choosing a life insurance policy is your age. It is an important factor. It can affect the premium you pay. Before knowing which policy, you need to understand that there are two basic types of life insurance policies – whole life and term life. A whole [...]
New Parents and Life Insurance
Every year over 4 million babes are born across the United States. This figure is likely to reach 4.5 million by the year 2017. This means that more and more people will become parents and with that they will have the added responsibility of caring for a family. This responsibility includes providing for their family [...]
Life Insurance for Women
Traditionally men have been the more frequent buyers on life insurance. Do women need life insurance? Yes, they do and they need it for exactly the same reasons men do – to replace lost income, pay a mortgage, provide money for death expenses, provide for the long-term security of family. It’s not just married women [...]