From the category archives:
Life insurance isn’t always something everyone is comfortable discussing because it reminds us of our mortality, but the truth is that 43 percent of Americans have less than ten thousand dollars in their savings account. Life insurance provides a significant buffer between your principal finances and any unexpected illnesses, injuries, and death. Life insurance is [...]
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We’re sometimes asked about price quotes that customers receive when they are considering a life insurance policy, and whether the dollar amount quoted is binding. While a majority of quotes are consistent with the final price, that quote is not guaranteed until all the underwriting guidelines are fulfilled. A quote is considered a good faith [...]
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Almost 60 percent of individual investors have lost faith in the stock market and 44 percent say they are unlikely to place more money into the market, according to a new survey by Prudential Financial, Inc. The study shows that investors are rethinking their financial and planning strategies. About 72 percent of Americans who took [...]
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For a growing number of employers, insurance options may not be offered to employees on the first day of employment. Rather, insurance may become effective 30, 60 and even 90-days after the first day on the job. Sometimes, it is tied into satisfactory completion of a probationary period. It can be confusing and certainly nerve-wracking [...]
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We’re sometimes asked whether it is prudent to use insurance as an investment. In general, the answer is “no,” because we feel life insurance should be used as a way to protect loved ones in the event of the bread-earner’s death so a family can continue to function. In today’s tough economic times, conservative decision [...]
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Once you receive a life insurance quote from a company, before you say “yes” be sure to do your homework. After all, in most cases, companies have checked out your physical wellness; it is considered prudent to do the same by checking out the insurance company’s financial health as well. How? Once you collect quotes [...]
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One of the top reasons cited why people avoid getting life insurance is fear of doing a medical exam. Yet, most people have basic medical exams regularly throughout their lives. A simple medical exam is required for most life insurance quotes, and it often can be completed at your home or location that is convenient [...]
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If you’re single, you don’t need life insurance. Right? In many cases, that is true. But single people often really do need life insurance because of individual situations. Marital status is just one of the criteria used to determine whether life insurance is needed, after all. Before deciding about life insurance, you should carefully evaluate [...]
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So you’ve gotten a life insurance quote, started your life insurance application, and scheduled your medical exam, but you want to prepare and get the best score you can on your medical exam. Unfortunately you can’t just study for this exam, however there are ways to prepare for you medical exam that might give you [...]
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During the many years that we’ve sold life insurance, we hear many of the same questions that often confuse our clients. Some people are more informed than others and typically those that have already done their research are more happy with the price and type of policy they receive. So to help those that have [...]
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