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Month: March 2013

Posted on Categories Insurance News BlogTags , , Leave a comment on A ‘No Medical Physical Life Insurance Policy’ Can be a Lifesaver

A ‘No Medical Physical Life Insurance Policy’ Can be a Lifesaver

Many people put off getting life insurance. There are a lot of reasons why. One that tops the list is because of the full medical physical we think we have to take. Squeamishly, our minds ration why we keep putting it off. Usually it comes down to dreading the needle that takes our blood, finding … Continue reading “A ‘No Medical Physical Life Insurance Policy’ Can be a Lifesaver”

Posted on Categories Insurance News BlogTags , , , Leave a comment on All insurance agents are the same (NOT!)

All insurance agents are the same (NOT!)

Insurance agents are all about the big sale. They want to sell you everything you don’t need so they can get a tidy check at the end of every month. All they care about is getting your money. These are all common sentiments when people discuss insurance. We have all heard the horror stories. On … Continue reading “All insurance agents are the same (NOT!)”

Posted on Categories Insurance News BlogTags , , , Leave a comment on Do I need an agent to buy life insurance? (yes!)

Do I need an agent to buy life insurance? (yes!)

You can buy life insurance without an agent. As long as you have an internet connection, thousands of companies will always be willing to take your money and offer you generic plans that aren’t tailored to your life. If you love the idea of a web based company that can easily disappear before you get … Continue reading “Do I need an agent to buy life insurance? (yes!)”

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Does life insurance accumulate cash? (sometimes!)

Life insurance is not exactly a sexy or exciting purchase. You get to pay your premiums every month knowing full well that you will never live to see the benefit of it. Your family will, but you won’t. "What’s in it for me," the more selfish of us may ask. Well, if you purchase whole … Continue reading “Does life insurance accumulate cash? (sometimes!)”

Posted on Categories Insurance News BlogTags , , Leave a comment on Life Insurance and Beneficiary Taxes

Life Insurance and Beneficiary Taxes

One of the significant benefits of a sizable life insurance policy, aside from taking care of family members or a significant partner after death, is the fact that it is generally exempt from income tax on the named beneficiary. This makes life insurance a powerful estate planning tool, especially when other estate assets do fall … Continue reading “Life Insurance and Beneficiary Taxes”

Posted on Categories Insurance News BlogTags , , Leave a comment on Can I get life insurance that lasts until I die? (yes!)

Can I get life insurance that lasts until I die? (yes!)

When most people think about life insurance, they’re thinking about term life, which you get for a number of years, usually like 15 or 20, and it leads to an interesting dilemma at the end of the term. You find yourself thinking "Gee, I’d really like to go on living, but if I die after … Continue reading “Can I get life insurance that lasts until I die? (yes!)”

Posted on Categories Insurance News BlogTags , Leave a comment on Life insurance: First world problem?

Life insurance: First world problem?

Is the worst thing that’s happened to you this morning a drop of coffee on your suit? Do you find it difficult to imagine needing an insurance policy against fire for your house, much less an insurance policy on your own life? Well, take a look at this disturbing statistic: 100% of people die sometime … Continue reading “Life insurance: First world problem?”

Posted on Categories Insurance News BlogTags , , Leave a comment on Can I Leave My Life Insurance to a Pet?

Can I Leave My Life Insurance to a Pet?

You’ve heard about pets being pampered by people who have far more money than they have to do with. You may even have heard about pets who receive trust funds, even if grandchildren are left out of the will. Then, you start thinking to yourself. "You know, my dog greets me at the door every … Continue reading “Can I Leave My Life Insurance to a Pet?”

Posted on Categories Insurance News BlogTags , Leave a comment on We Guarantee Not All Life Insurance Guarantees Are The Same Between Companies

We Guarantee Not All Life Insurance Guarantees Are The Same Between Companies

Life comes with certain guarantees; some you can trust will happen and others you are sure can’t happen. There is no guarantee you will walk out of your home and get hit by a speeding gazelle down the road. There is no guarantee your coffee pot at work will be filled with chicken noodle soup … Continue reading “We Guarantee Not All Life Insurance Guarantees Are The Same Between Companies”

Posted on Categories Insurance News BlogTags Leave a comment on Worth More Dead Than Alive?

Worth More Dead Than Alive?

You ever have one of those days? Your alarm doesn’t go off and you’re positive you’re going to be late for work. You jump out of bed, only to step in cat puke on the way to the bathroom. It’s only after turning the bathroom light on that you realize that you don’t have a … Continue reading “Worth More Dead Than Alive?”