Insurance Consumers Score Big With NAIC Life Insurance Policy Locator

Insurance Consumers Score Big With NAIC Life Insurance Policy Locator

One of the dark secrets of the life insurance industry is exactly how often policy payouts go unclaimed, but now the National Association of Insurance Commissioners have developed a tool to help the benefits from those forgotten policies find their rightful homes. 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 benefits. The consumer…

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Why the Insurance Industry Is Great Career Choice for Millennials

Why the Insurance Industry Is Great Career Choice for Millennials

The insurance industry is hiring and companies desperately need millennials, and many of them don’t realize how strong the industry is as a career choice. While there is a host of reasons why insurance is such a great industry for people at the beginning of their careers, chief among them is the fact that the industry workforce is aging and millennials are becoming a new target market for companies. Equally important is the fact that millennials…

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Key Person Life Insurance Could Save Your Startup From Disaster

Key Person Life Insurance Could Save Your Startup From Disaster

Small businesses and startups are the engines that drive our economy, but those small businesses and startups are often critically dependent on the skill set and drive from a relatively tight group of key players. Consider for a moment what the loss of vital person might mean to your company. The loss of a major partner in your enterprise would present immediate challenges which could easily snowball and result in unforeseen – and difficult to mitigate…

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Insurance Pros Are Retiring and Taking Underwriting Knowhow With Them

Insurance Pros Are Retiring and Taking Underwriting Knowhow With Them

It’s an insurance knowledge brain drain. As baby-boomer generation insurance experts retire, their insights and perspectives born of years of experience, are leaving the market with them. The insurance industry is being particularly hard hit and the drain on intellectual capacity in underwriting expertise will be ongoing and increasingly impactful with the passage of time. Losing expertise at a rapid rate The drain is well-documented, and according to the U.S. Bureau of Labor Statistics, the total…

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Life Insurance 100 – The Facts You Need to Know

Life Insurance 100 – The Facts You Need to Know

It’s just a plain fact. Most of us don’t like to face up to the subject of our own deaths, but death is an integral part of a human life. In order to protect our families, we need to give at least some thought to the subject of where life insurance fits into our legacy. The more you understand about life insurance, the better you’ll be prepared – not only for your final expenses and protecting…

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The Smart Questions – Your Life Insurance Shopping Checklist

The Smart Questions – Your Life Insurance Shopping Checklist

When you take on the task of shopping for term life insurance, it comes down to finding a company you can trust and selecting the correct amount of insurance coverage you need – at a reasonable price. That’s where our Life Insurance Tips Checklist comes in handy. 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 example, do…

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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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How to Compare the Best Life Insurance Policies for 2017

How to Compare the Best Life Insurance Policies for 2017

Once you realize you’re behind the eight-ball – and behind the game – when it comes to life insurance coverage, it’s time to play catch up. The reality often sets in right around the moment your first child comes home.  You’re suddenly struck with the realization that there are people I love who depend on my income. That’s some heavy business to consider, and to get it right, life insurance should be an essential part…

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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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How to Contact Your State’s Department of Insurance

How to Contact Your State’s Department of Insurance

Insurance regulations are handled on a state-by-state basis in the United States. Therefore, finding the right people to talk to about rules and legislation can be a daunting task. That’s why we’ve provided you with this easy to use list of links to all the regulatory offices for consumer insurance information across America. If you have questions like: – What is insurance regulation? – What is the federal insurance office? – What does the NAIC…

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