How Does Depression Impact Your Life Insurance

How Does Depression Impact Your Life Insurance

Nearly ten percent of the adults in the U.S. have reported issues with depression, and the Centers for Disease Control and Prevention say nearly one-half of those diagnosed with depression have also been diagnosed with an anxiety disorder. Women are also more likely to suffer depression than men, but with the proper treatment and lacking other health complications, buying life insurance should be affordable. Keep in mind that a history of long-term hospitalizations or time…

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Information Security Key to Success and Customer Confidence for Insurtechs Like LifeQuotes

Information Security Key to Success and Customer Confidence for Insurtechs Like LifeQuotes

SOC 2 is a certification established by the American Institute of Certified Public Accountants (AICPA) to evaluate companies regarding their Trust Services Principles and Criteria. The process involves testing companies for security, availability, processing integrity, confidentiality and the privacy of their data management systems. It’s become an industry standard for cloud-based technology companies and the certification is held by such tech heavy-hitters as Amazon Web Services and Google, and it validates the security of their…

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Do Life Insurance Policy Payouts Go Unclaimed?

Do Life Insurance Policy Payouts Go Unclaimed?

One of the dark secrets of the life insurance industry is when or if a policy payout goes unclaimed. Now the consumer advocate and insurance regulatory National Association of Insurance Commissioners (NAIC) has developed a tool to search for any lost policies and their payout. With their new Life Insurance Policy Locator, the NAIC is serving U.S. consumers as part of an effort by state insurance regulators aimed at reducing the number of unclaimed life insurance…

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Your LifeQuotes.com Life Insurance Shopping List

Your LifeQuotes.com Life Insurance Shopping List

When you take on the task of shopping for term life insurance, it comes down to finding a company you can trust. What’s the correct amount of insurance coverage? What’s a reasonable price? Well, here are the smart questions you should ask – Your LifeQuotes.com life insurance shopping list. What do you need your policy to achieve for your and your family? Ask yourself what it is you want your life insurance to do. For…

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Do I Really Need Life Insurance? Yes. Yes They Do

Do I Really Need Life Insurance? Yes. Yes They Do

Deciding whether or not you need to insure your life is a simple matter. When you’re young and carefree, you may look at life insurance as yet another outlay of cash you can do without. It’s a particularly important decision if you have a family dependent on you for income and their financial future. Having life insurance isn’t just a matter of providing for your funeral expenses. It’s much, much more subtle than that. Life…

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Survivorship Life Insurance and Estate Taxes

Survivorship Life Insurance and Estate Taxes

For couples who wanted to help their children avoid federal estate taxes, 2010 was a good year to kick the bucket. But you don’t have to die to reap the benefits of survivorship life insurance. Survivorship life insurance is also called “second-to-die” life insurance, and it pays out benefits once a second spouse dies. The basic premise is that those proceeds can be used to provide for children who might inherit Mom and Dad’s business,…

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Who Needs Gold – Life Insurance Performs Better Over the Long Run

Who Needs Gold – Life Insurance Performs Better Over the Long Run

Gold may be one of those commodities some investors stockpile in hopes that it’s a solid investment. However, you’ll likely be stunned to discover that cash value life insurance performs better than gold over the long run. While there is a wide range of savings and wealth building options out there,  many people are led by their emotions and misinformation to take on catastrophic investment choices. A good share of the worst planning arises from a…

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Why Don’t You Own Life Insurance

Why Don’t You Own Life Insurance

By: Todd Halterman You Don’t Own Life Insurance? Think Hard On That Choice If you’re one of the many who don’t own any life insurance policies, you have lots of company, so why don’t you own life insurance? A J.D. Power Household Insurance study says just over 44 percent of consumers actually do own an individual life insurance policy, and that means nearly sixty percent don’t. One sensible reason for purchasing a life insurance policy…

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