January 2013 - Susman
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Friendly People You Can See and Talk To Always Beat A Computer

Computers are fast and quick. With the push of a button, you can do just about anything. Computers make it easy for people to buy and sell things, pay their bills, talk to people around the world and do many other amazing things, without leaving the comfort of their own home.

Computers can do all these things, but when it comes to things like buying an insurance policy sometimes you need the human touch that a computer cannot provide. A computer can’t hold your hand when your loved one has died. They can’t deliver the check in person and offer consoling words.

When you have problems or questions about your term life insurance you need a person to answer them. Having a person you can trust to give you the answers you need makes all the difference. A living breathing human may not be as knowledgeable as a computer, but they can help you find the answers to the exact questions you have rather than just providing you with generic answers or an overwhelming database of information.

Insurance is too important to deal with a company where you are just one number in sea full of numbers. Having an agent you know and trust means that you and your family mean something to us. When you die, your agent will be there for your family because they there your family was growing up. Being there for you means all the milestones, big and small.

If this sounds like the right type of insurance agent for you, then don’t settle for some impersonal company. Just because something’s easy, doesn’t mean that it’s right. Having a little human contact, a little personal touch during the tough times can make all the difference in the world.

Advantages to purchasing Income Protection Insurance for you and your family

In the last decade the world has seen the worst economic downturn in world history. As a result, more nad more people have lost their homes, their cars, and more employees have been laid off.

In these times of trouble and uncertaintiy, it is essential that you have peace of mind when it comes to your income and quality of life for your family.

If you work with your hands or outdoors, it is possible that you may get sick or injured. In this unfortunate event, you may begin struggling to pay the bills. Imagine if all of a sudden you could no longer pay your bills. How long would you be able to make payments? How long would it be before you defaulted? The answer most people is unfortunately much sooner than they woud like.

It is times like these that make investing in an income protection policy. In the event of an ilness or injury you will be reinbursed by your tailored plan.

Income protection insurance has numerous advantages. Payments are payable as soon as a policyholder becomes incapacitated. Benefits are also paid regulary on a weekly or monthly basis, and are tax-free. Income insurance is also very secure as a insurance comapny can not cancel a policy as long as the policyholder pays the premium.

Get 40 year term insurance at the lowest prices

When you meet the special someone in your life, your priorities change. When you have your first child, you want to make sure that you are there to watch the first steps, their first sports game all the way high school and college graduation. Most importantly, you want to make sure that if you can’t be there for your family, that they will be well take take of in the unlikely event of your death.

Get Peace of Mind with Your Life Insurance Policy

The purpose of life insurance is to give you and your family peace of mind in the unthinkable event of your death. That’s why we offer 40 years of guaranteed life insurance. This 40 year insurance policy will be there with you every step of the way. When you watch you children grow up into young adults, throughout your career and beyond the point when they start their own families.

40 years is enough time for you to pay off your mortgage and give your family the life you have always dreamt for them. In 40 years you will be near or at retirement age, making your life insurance policy secure and lucrative for the next generation.

Get the Rates that Won’t Empty Your Bank Account

While you are insuring your future, it is important to note that you should not be overpaying for your 40 year life insurance in the mean time. We offer the best prices for 40 year life insurance out of any insurance agency. With a 40 year life insurance policy you will not see the rate increases that you would with a 5 year or 10 year term policy.

We guarantee lower prices than any of our competitors. With a 40 year life insurance you can guarantee the coverage you need at a premium price that will not cost an arm and and a leg. If you are interested in learning more about a 40 year term life insurance policy talk to one of our representatives today.

UPDATE: THE 40 YEAR TERM PRODUCT IS NO LONGER AVAILABLE. WE HAVE OTHER PRODUCTS THAT CAN BE MADE TO FUNCTION AS A 40 YEAR POLICY, ASK US HOW!

What to do if you have been declined life insurance.

When you are declined life insurance because of a health condition, it can be devastating. However, Just because you have been declined life insurance before does not mean you are automatically ineligible for a life insurance policy for the rest of your life. We specialize in helping people who have been refused life insurance get a policy that covers their needs.

Many insurance companies brand people with conditions that the company thinks makes a person hard to insure for life insurance. This can make it difficult to find life insurance with hearth disease, diabetes, or a number of any other preexisting conditions.

We work with customers who have preexisting conditions. We will review your medical history, get to the bottom to the reason of exactly why you were denied life insurance, and we will work to find a policy that fits your needs.

You can rest at ease knowing that you have a rated life insurance policy that will cover you in the event of a fatal accident or disease. It may be hard to find life insurance with diabetes or heart disease, but we guarantee that we will work with you to find the underwriting necessary that gives you a policy that will give you adequate life protection.

3 things you would buy when if you could collect on your life insurance policy after you die

As the saying goes “you can’t take the money with you.” In the spirit of those words of wisdom, here are three things you wish you could spend your insurance policy money on after you have passed on to the grave.

1. An Eternities Supply of Perfume- Because its going to get start smelling really interesting down there. This way if you are every resurrected, you can smell nice for company. Besides, you need something that will help keep the worms away.

2. Casket Insurance- 15 minutes or more with the God of your choice could save you 15% or more on casket insurance. The bottom line is you need to protect your eternal resting place. You never know when a flood or a n earthquake may damage your coffin. Is your casket in good hands?

3. A Rubik’s Cube- Come on, you (or no one else) will never be able to figure it out anyways, you might as well kill some time. At least this will keep you busy in between perfume sprays and angry calls to your casket insurance agent about your all-too-high casket insurance premium.

10 Reasons You Need Life Insurance

For Your Spouse

Maybe you are the sole breadwinner and your spouse is a homemaker or maybe you have two incomes and your spouse does not make as much as you. Its also possible that when you die they may not be able to work anymore.

For Your Children’s Future

Even if you don’t have children now, you might someday. And unlike your spouse, your children are not going to be able to provide for themselves as well as you have been.

As Means of Comfort

While you hope that you mean more than any amount of money you could leave your family, leaving them some form of inheritance in the form of life insurance can help soften the blow.

For Your Business

If you are a partner or a major player in your business a life insurance policy may help you to leave money to help take care of your financial responsibilities once you have passed on.

Life is Uncertain

You never know what may happen to you. Unfortunately healthy people die in freak accidents. That healthy person could easily be you. And without some kind of life insurance plan, you may leave their loved ones with nothing but dept and financial obligations.

Funerals Are Expensive

Even if you are not worried about providing for your dependents, either because they are grown and have their own job or income, or because you have enough money set aside for them after you die, you may not have considered how expensive funerals have become.

To Transfer Your Wealth

Any inheritance you leave your family is going to be heavily taxed, with one exception, life insurance proceeds. By putting your money into a life insurance plan, you are insuring that your family will inherit some non-taxable income.

For Retirement

Certain types of life insurance plans can be used to help supplement your retirement income. These types of structured plans are called an annuity.

To Leave to Charity

If you do not have family members you need to provide for, or you have a favorite charity you would like to support, you can have some or all of your life insurance proceeds given to charity when you die.

Peace of Mind

Knowing that your family will have money to be financially secure, and that your death will not leave them with a financial burden can give you the peace of mind that we all deserve.

Do I Need Life Insurance?

Life insurance is one of those things you never want to have to think about when you are young. Because you only need life insurance if you die, and buying life insurance means admitting you’re going to die. Therefore, those of you that are immortal can stop reading this.

But for everyone else (ie those of us who are going to die), chances are that even if you don’t need life insurance now, you will someday in the future. Life insurance helps provide money for your dependents and your spouse or significant other after you die so that they can continue to pay their bills and live the life style that they have been used to based on the income you are currently making.

Life insurance is also a way for you to give to any charities you may have supported while you were alive or may have wanted to support while you were alive. Life OOinsurance can go to almost anyone you designate, depending on the type of policy and how it was set up. So if you don’t like your family, it can go to someone else.

But you may think you do not need life insurance because you are going to live for a long long time. That’s not as true as you would like to think. Do you like to eat fatty foods? Cholesterol buildup leads to clogged arteries, which leads to heart attacks, which are also often fatal. It also leads to heart disease, which is a leading cause of death. Do you ever ride in a car? Car accidents are another major cause of death. So buck up buddy and get some life insurance to help out your family (or your favorite charity) because you don’t have long to live.

Term Life is Simple

Life is complicated enough without having to deal with all the confusing information about insurance. It seems like you have to know about car insurance, home insurance, personal liability policies and a vast array of other important insurance products. There is one type of policy that is easy to get and not confusing to understand. Here are some things to know about the simplicity of term life insurance.

The Simplicity of Term Life Insurance

There are different types of life insurance that many people can choose from. The easiest one to understand is term life insurance. Here are a few easy to understand points about the policy.

  • These kinds of policies are very affordable and are usually cheaper than any other options on the market.
  • You usually do not have to have a physical performed for this type of policy.
  • Term life insurance is usually bought for a set number of years. For instance, you can get a one year policy, a five year, 10 year and other longer amounts of time.
  • The policy owner can still designate who gets the policy benefits in the event of their death.
  • You pay premiums for the amount of time the policy is in force. Once the term of time has elapsed the policy expires and the payments stops.
  • As the policy ends the policy holder may have an option to extend the coverage for a set amount of time.
  • Consult with your agent if you feel the need to extend your coverage.

Term life insurance really is an easy choice for protection. Many major corporations will offer this type of policy to their employees as a benefit. Always consider your options before making a choice of the length of time for your policy. Choose the time period that is right for you.

Break Out Your Bucket List And Put A Scare Into Your Term Life Insurance Company

Get your game on! You know you love adventure, excitement, and finding ways to get the best that you can out of life. So why not get the best that you can out of your term life insurance?

That’s right! You pay into your term life insurance on the chance that you will pass away before the term period ends, or at least after you make that first premium payment. The insurance company is betting that you will live throughout the entire term as they won’t have to shell out any money to your beneficiaries.

Take on that sucker bet while putting a scare into the insurance company by seeing who wins out. See if you will actually live throughout the life insurance term or if you will die and force the insurance company to pay the full death benefit by breaking out your coveted bucket list.

A bucket list is a list of all those activities, goals and dreams that you want to do before you die. It’s living life at its fullest by fulfilling every wish you have and experiencing every desire you have ever dreamed about.

Many people have a list of 101 things they want to do before they die. Some of the activities may involve extreme sports such as bungee jumping, skydiving, paragliding or climbing a mountain without a safety line. You can also have other activities such as running a marathon, learning to fly a plane, taking a hot-air balloon ride, traveling around the world or performing a humanitarian service.

Go out and do all the things that are on your bucket list as you bet against your life insurance policy. It’s a win-win situation for you. You will be enjoying your last days on earth by doing those things you always wanted to do. If you die from one of those activities, the insurance company loses the bet as your beneficiaries win the death benefits. If you survive during the entire time period of the term life insurance, you will have great stories to tell about all of your adventures.

More People Are Choosing Term Life Insurance Over Other Types Of Coverage

Words like term life insurance are always popping up in television commercials or during family conversations when your overactive teenager does some extreme sport that makes you wonder if life insurance is in his immediate future. But what exactly is term life insurance, and is it the right insurance for you?

What Is Term Life Insurance?

The simplest definition is given by Business Dictionary, which states that "term life insurance is an insurance policy that only stays in effect during a specific timeframe or until the person who is insured reaches a certain age." This means you are not obtaining a life insurance policy for your entire life or up until the day you die. Instead, you can choose how long the policy runs, anywhere from 5 years up to 40 years.

Once the "term" period ends, the policy becomes canceled unless the insurer passes away during the time period the policy covers. Then the beneficiaries get the full face value amount without having to pay any taxes on the money, according to Fox Business. Depending on the insurance company, you may be able to convert the term life policy into a permanent policy when the term period is about to end.

Why People Like Term Life Insurance

Term life insurance is a no-frills policy. You are only getting life insurance coverage, and you have more control over how many years the policy will cover. This is different from other types of life insurance policies where the insurance company also tacks on an investment component, making the policies more expensive, according to Smart Money.

People like term life insurance because it can go toward paying off debts, a mortgage or a child’s college education. Premiums are inexpensive, making it ideal for people who want to have life insurance but have limited budgets. Although you can’t grow any cash value to this policy over time, it can be a supplemental policy to other life insurance you have. Another bonus is that many term life policies don’t require a medical examination.