Over 170 people in the Napa valley have been injured including six critical injuries. Initial reports had the earthquake measuring 6.1 out of 10 on the Richter scale. Losses are expected to total $300 million.Read More
Chile’s recent earthquake of an 8.2 magnitude and the tsunami that followed was prepared for the disaster with strong building codes as well as elaborate evacuation plans that have saved hundreds of livesRead More
If you’re seeking term life insurance and you would like to get some of the money you paid into the policy back, you might want to consider return of premium life insurance.
Term policies require the policyholder to pay regular premiums to keep the policy in force for a designated amount of time, usually 15, 20 or 30 years. If the policyholder dies during the term, their beneficiaries receive the death benefit. Although term insurance is the most straightforward of all insurance plans, if the policyholder doesn’t die and the policy expires, the policyholder would have to renew the policy for another set number of years to be covered, usually at a much higher rate.Read More