A spouse’s premature death can have a long-term financial impact on you. Even five to seven years after a spouse’s death, more than one-third (36 percent) of individuals surveyed say they remain financially vulnerable.
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The decision of whether or not to purchase a life insurance policy should be weighed as heavily as other long-term financial investments, because the decision will affect those you leave behind.
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The transfer of property after a policyholder’s death can be a complicated process
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There are three types of life insurance carries, which are commercial life insurance, private life insurance providers and government agencies.
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Imagine if you or another income-earning family members die with one or multiple unpaid debts. Many personal debt agreements specify that a remaining balance becomes due upon death.
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Many younger adults may question whether life insurance is a necessity at their age, especially if they are paying down student loans and trying to build savings for their financial future. What many may not realize is that life insurance is an important component of their future and that of their families.
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Americans know the basic purpose of a last will and testament, but what about the fine print? It is important to know what a will can transfer to beneficiaries and additional instructions it can legally dictate.
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The baby boom generation has watched the recession cripple their retirement savings and financial assets, forcing them out of retirement and into low-paying jobs. Many Americans are now scrambling to create a savings plan that will allow them to provide for their families when they are gone.
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Life insurance plans offered through an employer may not offer sufficient benefits to an employee’s survivors. Company-sponsored insurance plans are advantageous to young, single employees, but those with families should examine their policy to ensure it will cover their survivors’ needs.
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Selling one’s life insurance policy for a life settlement is a good
The insurance industry is a powerful kingpin, with a total of $1.22
