What Do I Need to Know About Investing in Rop Life Insurance?

What Do I Need to Know About Investing in Rop Life Insurance?

Term-life doesn’t offer the investment features of other types of life insurance, but under a return-of-premium (ROP) policy you’re able to invest in something unique.

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Is A Waiver of Premium Rider Worth the Cost?

Is A Waiver of Premium Rider Worth the Cost?

For some, planning an insurance policy can be a lot like shopping for groceries on a budget. You’ve got enough to purchase the essentials, but you have to think carefully when it comes to buying any additional non-essentials.

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Life Insurance With Anxiety or Depression – What You Need to Know

Life Insurance With Anxiety or Depression – What You Need to Know

We’ve all had times in our lives when we didn’t feel at the top of our game. Maybe it was due to a job loss or the death of a family member; there are numerous reasons for feeling down.

However, according to the National Institutes of Mental Health, for 26.2 percent of Americans age 18 and older this feeling of hopelessness is due to a diagnosable mental disorder. That is approximately 14.8 million adults suffering from a major depressive disorder and about 40 million adults suffering from anxiety.

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How Your Life Insurance Can Save Your Pets From Neglect in 2017

You’ve read the stories; some billionaire leaves an entire estate to their favorite dog, without leaving their kids a dime. While your first reaction might be, “oh, well, they are rich and eccentric,” what if you wanted to leave your favorite furry friend ALL of your worldly possessions? If a “regular” person had a decent-sized life insurance policy, could he or she leave it all Fido?

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Are Term Life Conversions An Option If I’m Healthy?

Are Term Life Conversions An Option If I’m Healthy?

Consumers may benefit from term life insurance conversion

Most Americans understand the functions of a term life insurance policy, but many may not know how it can save them money when they convert their policy to a plan that provides coverage for a longer period of time.

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What Kind of Auto Insurance Do I Need?

What Kind of Auto Insurance Do I Need?

Purchasing car insurance can be tricky, especially when it comes to understanding what a policy covers and the amount of coverage needed to best fit your needs. If you neglect to buy it, your finances could be jeopardized – especially if you’re involved in a costly car accident. Plus, in most states, it is illegal to drive without it.

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How Much Do I Need to Save for Retirement?

How Much Do I Need to Save for Retirement?

Once upon a time, the majority of middle-income Americans who reached retirement age looked forward to maintaining their lifestyles with a combination of Social Security, company pensions, and their own hard-earned savings. Above all, most of those retirees were concerned about leaving an inheritance to the next generation.

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Converting Term Life Policy to a Permanent Plan

Converting Term Life Policy to a Permanent Plan

In addition to the value of term life’s renewability provision, these types of policies may also contain the option for you to exchange your term life policy for a permanent plan.

Not only do you get more permanent protection but you can also do it without any evidence of insurability, explains Edward Graves, author of “McGill’s Life Insurance.”

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Insurance for Women Over 50

Insurance for Women Over 50

Middle-aged people don’t necessarily want to think about who is going to take care of them when they can no longer take care of themselves. However, insurance experts advise that age 50 is the best time to start thinking about weighing your options when it comes to long-term care.

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Is re-entry term an affordable option for life insurance?

Is re-entry term an affordable option for life insurance?

Upon first inspection, reentry term life insurance may seem like an attractive option for certain groups of people.

In a nutshell, reentry term life provides two different premium schedules and charges a lower premium based on mortality rates. For a younger person in excellent health, reentry term can provide an affordable option for life insurance.

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