Replacing A Life Insurance Policy

In some cases, when you purchase a life insurance policy, you might be set for life. But, in other instances, you might have a change of circumstances or obligations in your life that require you to replace your life insurance policy. Replacing a life insurance policy requires some thought and knowledge before moving forward; there…

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Do I Need A Million-Dollar Life Insurance Policy?

Who couldn’t do with a million dollars, right? You might dream of making that much money, or of leaving that amount to your family so they won’t have to worry about money after you’re gone - and if you’re shopping for life insurance policies, you’ll find that million-dollar policies exist so that you can provide…

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Should I Get Life Insurance Or Just Use My Savings?

Having cash set aside for a rainy day is always a good idea: a savings account will give you a cushion of protection in the event of an emergency, and will help you in planning for your retirement. You might even think it will be enough for your family to live on in the event…

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What Type of Life Insurance Annuity Is Right for Your Family?

Did you know that when it comes to life insurance benefits, beneficiaries of a policy have options for how they get their money paid out? You can choose to have benefits paid out in one lump sum, but if you’d prefer to receive your money over a longer period of time, an annuity might be…

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Does Life Insurance Pay in Cases of Suicide?

Sadly, suicide is all too common: in fact, it’s the 10th leading cause of death overall in the United States. Many people think that if someone commits suicide, not only will their family be experiencing unimaginable grief, but their family will also be unable to access their life insurance benefits, because it’s a common misconception…

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Endowment Life Insurance Policy Explained

Are you looking for a life insurance policy that offers you a little something extra? If so, you might be interested in endowment life insurance, which is a specialized insurance product that doubles as a life insurance policy and an investment or a savings account. This type of policy is often misunderstood and therefore overlooked,…

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Life Insurance Planning For Different Stages Of Life

When it comes to life insurance, your needs will vary throughout your lifetime. That means, in order to be adequately covered by your life insurance policy, you will have to consider what coverage you will need at different stages of your life, and plan accordingly. So what should your life insurance coverage look like at…

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What is Life Insurance Laddering?

Life insurance policies are not only incredibly useful, because they provide your family with the money they need after you are gone, but they are also more flexible than you might realize. You have the option to build a life insurance plan that works for you, commonly known as an insurance ladder, or life insurance…

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What is Insurable Interest in Life Insurance?

When many people think of life insurance, they think of purchasing a policy that will benefit their loved ones after they pass. But have you ever considered purchasing a life insurance policy on another person who you are financially dependent on? If you buy a policy to insure another person’s life that means you will…

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Key Person Insurance & Your Business

Running a company is not easy: not only are you busy with setting up your business, hiring the right people, and staying on top of your bills, you also have to worry about insuring your business so that you’re protected against property damage and lawsuits. But have you thought about insuring your most valuable asset,…

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How To Reinstate A Lapsed Life Insurance Policy

Forgetting to pay a bill can happen to anyone. It might even happen to you with your life insurance premiums, but it is important to be aware that missing payments can lead to the cancellation of your policy, and would leave your loved ones with nothing should something happen to you. If you are struggling…

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Do I Need More Than One Life Insurance Policy?

If you’re in the market for life insurance, you’ll come across many different types of policies, and you might be unsure which is the best for you. If you already have a life insurance policy, you might be unsure if it still has enough coverage for your family as your needs change: maybe your mortgage…

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Life Insurance For Stroke Victims

According to the CDC, every year more than 795,000 people in the U.S. have a stroke, and 1 in 4 people who suffer from a stroke will have a second one at some point in their life. If you have had a stroke, you know how scary it can be, as well as how difficult…

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Covid-19 and Life Insurance Coverage

The events of the past year and a half, during which we tragically lost so many people to Covid-19, have prompted many people to think more about preparing for the unexpected. After all that has happened, you might be thinking more about life insurance; for example, you might be wondering if a policy will still…

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Understanding Life Insurance Health Ratings

Life insurance is a great asset for your family. But it’s only natural that one of your main concerns when searching for a policy might be “how much is it going to cost me?” The answer to that question will actually depend partly on what is known as your health rating: life insurance companies will…

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What is the Accelerated Death Benefit?

A life insurance policy is a great way to make sure your family is financially protected after you’re gone, but what if you become ill and your family needs financial help while you are still alive? Luckily there is a way to get benefits from your life insurance while you are alive. When looking for…

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The 4 Types Of No Exam Life Insurance

If you’re looking for a life insurance policy, but have pre-existing medical conditions, you might be worried about undergoing a medical exam to get coverage: your medical status could mean that you will have to pay more, or you could even get denied for a policy altogether. Fortunately, though, even if you have health conditions,…

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5 Types Of Term Life Insurance Policies

Life insurance is not one-size-fits-all, so insurance companies offer many different types of life insurance policies. This means you have lots of options, but it also means you’ll need to do some research to figure out which type of policy is right for you. One popular type of policy is term life insurance, because it…

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