Parents of Gen Y Buy Term Life Insurance For College
Being able to use their core talents is essential to the Gen Y
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This is the featured Life Insurance story.
Why Are Nicotine Users Charged Higher Life Insurance Premiums?
Over the course of many years, smokers will be at a higher risk for diseases like emphysema. However, there are other side effects of smoking to consider – such as higher life insurance premiums.
Read MoreChoosing 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…
Read MoreHow Should I Choose a Life Insurance Agent?
When you’re considering buying life insurance, it’s important to choose an agent or broker who can help you. Buying life insurance can be complicated or confusing. The key to buying the right amount and the right type of policy at a good rate is a good agent or broker. You should choose one who: Understands your financial situation, including your attitudes about risk, your income and estate tax “brackets,” and your other financial assets and…
Read MoreDoes Life Insurance Cover Long-Term Care?
New York residents will now be able to use some of their life insurance policy to cover long-term care expenses, according to a press release.
“By passing this law, we no longer burden taxpayers with the long-term care expenses needed by the growing senior population and we’ve given thousands of seniors a creative and costsaving way to cover their care,” said state senator Jeff Klein.
Read MoreIt’s a Wonderful Life (Insurance) This Christmas
Life insurance is more than just a death benefit for those that are left behind and it doesn’t have to be just for you but can be purchased for a spouse, child or parent.
Read MoreHow Much Life Insurance Do I Need?
Every adviser, financial columnist, and relative has his or her own, perfect method for determining the right amount of life insurance. The three most commonly used methods are multiple of income, cover your debts, and human life value concept.
Read MoreDoes Living by an Intersection Raise Insurance Rates?
No one ever thinks a trip to the grocery store as dangerous. But just a few years ago if you made that trip through the intersection of Flamingo Road and Pines Boulevard in Pembroke Pines, Fla., you were risking your life.
Read MoreJust What Is Financial Underwriting?
Essentially, financial underwriting is when an applicant has to justify to the life insurance company why they are applying for that amount of coverage. It often goes overlooked but it a critical consideration, especially for larger cases and some business situations.
Read MorePhishing Schemes Target Seniors
If you’re a senior, there’s an army of criminals targeting you and estimates from the Federal Trade Commission say one in five seniors fall victim to their fraud operations. The scams come in a variety of flavors. Using “social engineering” methods and sophisticated online data-phishing techniques, the scammers see one thing when they contact a Little Old Lady From Pasadena – a ready victim. Experts estimate, in New York state alone, a half-million New York…
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