5 Reasons to Buy Life Insurance

The thought of purchasing life insurance isn’t always the most pleasant consideration. After all, dealing with the inevitable — the fact that you are going to die one day — isn’t something most people want to think about. But there is some very good logic to doing exactly that right now. Here are five great […]

Why Women Need Life Insurance

Throughout the years, a woman’s role in the family and in the business world has changed quite a bit. And with this change has come her need for life insurance. Whether she’s the primary breadwinner of her family as an executive in the corporate world, a single parent working a 9-to-5, a stay-at-home mom, or […]

The Collateral Assignment of a Life Insurance Policy

Did you know your life insurance policy can help you get a loan? Lenders widely accept life insurance as collateral because of the guaranteed funds, so if the worst happens, or if you can’t pay back the loan, they’re still in the business of getting repaid. Let’s take a look at the collateral assignment of […]

Converting Term Life Insurance

Term life insurance can be a very affordable solution for someone who wants to take care of their loved ones should the unexpected happen. If you don’t buy a term policy with a conversion clause built in, however, it can turn out to be a costly mistake. If you’re considering buying a term life insurance […]

Court-Ordered Life Insurance in Divorce

When you get married, you’re not expecting that one day you will be in court talking about a divorce settlement. But nearly half of all marriages end in divorce and in some cases, the court orders that the supporting spouse carry a life insurance policy to provide for the children or guarantee alimony. Here’s what […]

Captive vs. Independent Insurance Agents

Let’s simplify the process of buying life insurance. Ultimately you are going to buy an insurance policy from an insurance company with an insurance agent. But there are different types of insurance companies with different types of agents representing them. Let’s look at the differences between captive and independent insurance agents. You Need Life Insurance. […]

Life Insurance for Cigar Smokers

The average person knows that smoking will, in some way, affect their ability to get life insurance, but what they may not realize is that any kind of tobacco use will most likely raise their life insurance premiums. That includes cigars, no matter what kind of cigar or the size or the shape. Here’s how […]

Life Insurance For Smokeless Tobacco Users

Most people understand that smoking will affect their ability to get life insurance, but what they may not realize is that any kind of tobacco use will almost assuredly raise their life insurance premiums. That includes smokeless tobacco, whether it’s chewing tobacco from a pouch or snuff from a can. Here’s how to find affordable […]

What is Accidental Death Benefit Insurance?

Nobody wants to think about accidents, but they happen all the time. That’s why an accidental death benefit insurance policy can provide the peace of mind necessary to know that you and your family will be taken care of financially in the case of a serious injury or an untimely death. Accidents Happen According to […]

Underwriting Your Life Insurance Application

You’re interested in buying a life insurance policy, but you’re wondering how you’re going to be “assessed” during the application process. Well, the application is really just the beginning. The life insurance company takes your application and hands it over to an underwriter, who then evaluates your risks in a variety of different ways. What […]