What a Life Insurance Company Owes Its Clients

What a Life Insurance Company Owes Its Clients

A life insurance company owes its clients certain things. Selling a policy is much like offering a promise and it’s one companies do not take lightly. Insurance companies are responsible for developing successful products, marketing them ethically, following underwriting procedures and, if need be, paying proper compensation. First and foremost, product development is the most essential element a life insurance company can offer its clients. Their primary goal should be to provide quality, cost-effective policies…

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Choosing the Right Type of Life Insurance

Choosing the Right Type of Life Insurance

Choosing the right type of life insurance can be confusing, but it’s also an important decision. Here are some guidelines that can help you narrow down your best life insurance options. Consider term life insurance if… You need life insurance for a specific period of time. Term life insurance enables you to match the length of the term policy to the length of the need. For example, if you have young children and want to…

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Why Purchase Permanent Life Insurance?

Why Purchase Permanent Life Insurance?

A permanent life policy provides lifelong insurance protection. The policy pays a death benefit if you die tomorrow or if you live to be a hundred. There is also a savings element that will grow on a tax-deferred basis and may become substantial over time. Because of the savings element, premiums are generally higher for permanent than for term insurance. However, the premium in a permanent policy remains the same, while term can go up…

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