Know This Before Disputing A Life Insurance Beneficiary – It’s An Uphill Climb

Know This Before Disputing A Life Insurance Beneficiary – It’s An Uphill Climb

You hired a divorce attorney, split your possessions amicably, remarried, and lived happily ever after for 30 years. Everything’s been taken care of, right? Wrong.

Did you remember to change the beneficiary on your life insurance policy? If not, there’s a good chance your life insurance proceeds might go to your previous spouse, leaving your current partner with nothing more than a pile of bills.

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No Ginkgo Biloba – But These Preventive Measures Could Slow Down Dementia

No Ginkgo Biloba – But These Preventive Measures Could Slow Down Dementia

In a landmark report, scientists have endorsed three strategies for preventing dementia and cognitive decline associated with normal aging — being physically active, engaging in cognitive training and controlling high blood pressure. This is the first time experts convened by the National Academies of Sciences, Engineering and Medicine have deemed scientific evidence strong enough to suggest that preventing dementia and age-related cognitive decline might be possible. Seven years ago, in a separate report issued by…

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Is Your Tap Water Killing You? Visit This Online Tool and Find Out

Is Your Tap Water Killing You? Visit This Online Tool and Find Out

You’ve likely read about the horror story that is the Flint Water Crisis, so what sort of contaminants might be in your drinking water? Now the Environmental Working Group is offering a tool to help you find out with their Tap Water Database. If you live in the U.S., you can simply enter your zip code – or the name of the local utility – to find out the content of your tap water. EWG is an…

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What Is An Irrevocable Life Insurance Trust

What Is An Irrevocable Life Insurance Trust

Historically, one of the main reasons to set up an irrevocable trust has been to avoid or minimize any potential estate tax, but now there are other planning purposes for these trusts. An advantage of life insurance trust is that it removes the life insurance from the estate of the insured. You should carefully consider who the trustee is and discuss the ramifications with your attorney.

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Flood Insurance Program Nearly Underwater and Drowning In Red Ink

Flood Insurance Program Nearly Underwater and Drowning In Red Ink

Flood insurance in America is under scrutiny, and most of the effort is aimed at dealing with what the federal government calls the “severe repetitive loss property.” Those are homes which have cost taxpayers cumulative payouts which exceeding what those structures are actually worth – and often by many thousands of dollars. It’s thought that across the nation there are more than 11,000 properties – mostly in coastal or low-lying areas – which are under…

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The Reasons You Were Declined After Your Life Insurance Application

The Reasons You Were Declined After Your Life Insurance Application

Not all insurance companies think the same way when it comes to risks in insuring you for the future. Guaranteed life is available today without a medical exam for those who have health concerns. However, if you are in the process of purchasing a policy and are preparing for an exam, the following can result in a declined or postponed life insurance application, meaning they will look at your application again if the problem is…

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When Chatbots Turn Ugly – the Story of Tay and How Insurtech Could Go So Very Wrong

When Chatbots Turn Ugly – the Story of Tay and How Insurtech Could Go So Very Wrong

Would you buy your life insurance from a profane, insane, hateful conspiracy-spouting teenaged chatbot? Probably not, unless you’re into that sort of stuff. With more and more insurers embracing insurtech solutions and implementing ‘chatbots’ to market their policies to customers, the potential for things to take a horrific turn into the Twilight Zone ramps up as well. As a particularly bizarre example, consider the experience of software giant Microsoft. Late last year the company introduced…

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4 Things Only Wealthy People Know About Insurance

4 Things Only Wealthy People Know About Insurance

Businesses are finding out it’s now a sucker bet to underestimate how long someone will live these days, and it can prove expensive to governments and pension funds, but it also provides individuals with an opportunity. “In a multi-stage life, the idea of hitting a cliff-edge retirement at 65 and then living off an annuity is outdated,” Alistair Byrne of State Street Global Advisors told The Economist. “It’s not at all obvious that the traditional pension industry,…

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LifeQuotes.com Getting You the Best Life Insurance Rates Since 1984

LifeQuotes.com Getting You the Best Life Insurance Rates Since 1984

We offer the safest, fastest and simplest app to get you the best life insurance rates. No paying for the cost of goofy television ad campaigns or hipster jargon. We also bring you a huge library of utterly free and unbiased insurance information articles to help you make your choice. Our catalog of articles provides you the best and most comprehensive, straight-shooting advice on every detail of the insurance buying process. It’s easier than weeding…

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How Non U.S. Residents Can Buy Life Insurance From US Companies

How Non U.S. Residents Can Buy Life Insurance From US Companies

People all over the world have been seeking life insurance coverage from U.S. based life insurance companies due to the strong reputation these companies possess – along with very competitive prices. So is it possible for you to get covered even though you’re a foreign national or a non-U.S. resident? The answer is yes, but the process generally takes longer to complete. Before discussing how a non-U.S. resident can get life insurance, it is important…

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