This is a thorough collection of informative Life Insurance articles relating specifically to Term Life / Term Life Insurance.
Many are basing the purchase of life insurance on old assumptions. Some, as they age, feel it is a waste of money, thinking they have enough assets and they are healthy. But life happens all the time and unfortunately, we better be prepared for it. Inevitably, true stories bubble to the surface and there are many of them to share.
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Floods of U.S. employees have lost full-time jobs creating a large pool of temporary or contract workers who are searching to buy life insurance on their own.
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As a result of surveyed single mothers, many felt that their children would not be taken care for any significant amount of time financially. Life insurance was out of the question.
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If you are researching life insurance options, here are some ideas to help maximize your life insurance dollars and getting the best policy for your money. These days life insurance is less expensive than most believe even favoring those with long term illness.
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Almost all term life policies are “annually renewable” after the end of the gauranteed period.
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A child heading off to college is an extremely rewarding experience. A young adult is going out into the world to take those bold steps to build an independent life. For parents, it’s marked by feelings of pride in their children as well as anxiety for them.
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How to find coverage that meets your needs and budget Life insurance can form a vital part of your family’s financial stability and well-being but, if you’re like most people, you may find the thought of shopping for the right type of coverage a little daunting. Fortunately, these eight simple steps can guide you along the way. 1. Determine whether you actually need life insurance Most people do, but not everyone. If no one depends…
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Roughly 1,000 life insurance companies sell life insurance in the U.S., but many are members of groups of companies and so aren’t really competitors with each other. Having separate companies enables a group to offer its products through separate distribution channels, to more efficiently meet the regulatory requirements of particular states, or to achieve other organizational goals. There are an estimated three hundred company groups. Moreover, not every group has a company licensed to operate…
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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…
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The most straightforward type of life insurance is term life. If the policyholder dies within the term, the death benefit is paid to the beneficiary of the policy. This type of policy doesn’t have the bells and whistles of a whole life policy, but can be obtained at a low-cost for those who need basic protection.
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