Rather than asking yourself how much of what kind of life insurance to buy, ask instead, “What are my financial needs and goals?” Discuss them with a licensed insurance professional, who can help you design life insurance coverage that fits your needs and your budget. […]
Life insurance needs change throughout the stages of life and retirement is no different. Talk with your financial advisor or retirement planner and your licensed insurance agent to help determine if your life insurance coverage is a good fit with your retirement plans. […]
Life insurance is part of a long-term financial plan but many people put off buying it because they don’t think they need it or they think it costs much more than it actually does. Why now is the best time to purchase life insurance for the benefit of your loved ones. […]
If others depend on you financially and/or if they would be responsible for your financial affairs when you die, buying life insurance is the responsible thing to do. The sooner you make that purchase, the better, as it becomes more expensive the longer you wait. […]
Buying life insurance will never be cheaper than it is at this point in your life. Learn more about why having a sound financial plan which includes life insurance helps ensure you don’t leave your loved ones at risk financially when you are no longer here. […]
Supplemental hospital indemnity insurance can help pay for gaps left by your primary health /medical insurance policy for expenses related to a hospital stay. Learn more to weigh the potential benefits against your needs and the cost. […]
Life insurance is an important part of a long term financial plan. Most people drastically underestimate the cost. Since the cost depends on a person’s age and their health, it will never be more affordable than it is right now. […]
People often wonder if their age will affect their premiums. In this article, we’ll address this concern by answering one major question prospective policyholders have when choosing a policy: Do whole life insurance premiums increase over time? […]
It’s important to have a health insurance policy already in place when you have cancer, but how much does your health insurance policy cover when it comes to cancer costs? Learn more about what you need know when looking into cancer specific insurance policies. […]
If you’re a life insurance policy holder, it’s important you set aside time to do an annual review of your policy. Learn more about how new life circumstances can impact the need for and size of your policy as well as assessing whether you are getting the best premium rates and if you need to make any changes to your beneficiary. […]
Life insurance isn’t just for young families – Baby Boomers should consider its importance, too, especially when supporting parents or grown children. Learn more about navigating life insurance for those born before 1965. […]
Critical illness insurance and income protection through disability insurance are two options for some extra financial protection in the event of a critical illness. Each type of insurance offers different coverage, but both can be valuable in the event of a major health issue. […]
How do you decide which should take priority: critical illness insurance or life insurance? You start by knowing the difference. This article discusses the key features of critical illness and life insurance policies to help you make the most educated decision about which policy to prioritize. […]
Having the proper amount of insurance is important for everyone, but for those who were born between the Baby Boomers and the Millennials, this article is specifically for you. Learn more about the insurance needs of those in their 40s and 50s. […]
While you can list a child as your beneficiary on a life insurance policy, they typically will not receive the payout until they are of age unless a guardian is appointed. Read more to get a better understanding of how a minor may be paid out. […]
Just over half of all millennials have a life insurance policy, but many members of this demographic are now in a phase of life where they need to start thinking about this part of their financial plan. If you’re a millennial, read more about why this is something you should consider. […]
What is supplemental health insurance and how is it used in countries offering universal health coverage? Discover the importance of private supplemental health insurance in the United States and explore how countries with universal health care use supplemental insurance to help their citizens pay for an array of medical expenses. […]
Accident insurance and hospital indemnity policies are secondary health coverage options you can purchase to cover medical costs your primary insurance policy might not, but depending on your situation, one may be better for you than the other. […]
Have you ever considered what would happen if you needed medical care that was out of your insurance coverage’s network? Medical expenses can add up quickly, so learn more about ways to cover the cost of the care you need. […]
If you’re purchasing life insurance, or if you’re a beneficiary, you might be wondering if it’s possible to have more than one policy, or to claim on multiple life insurance policies. Read more to learn the answer to this common insurance question. […]
If you were to have a heart, stroke or other dread disease, would you be able to cover the deductibles, copayments or coinsurance, and other out-of-pocket medical expenses related to your illness? Critical Illness can help, but you may be wondering if you will qualify. […]
The growing gig economy has created a demand for alternative insurance options. In addition to market place insurance, the self-employed have a few options for supplemental coverage including accidental insurance. Learn more about these policies. […]
With your plate full of logistics to contend with while planning a vacation, wondering if your upcoming trip will impact your insurability may not have even crossed your mind, but read on to learn more about this consideration. […]
A term life policy is, at its most basic, coverage for a predetermined amount of time, or “term.” A whole life policy can last for your whole life. Each policy is useful under certain circumstances, so learn more about how and why converting a term to whole life can be helpful. […]
Accidental death is not the typical life insurance people take out as there are significant differences between an accidental death policy (ADP) and a term life policy. Learn more about these insurance options and which coverage may be right for you. […]
Being self-employed has a number of perks, but it also can mean more taking more risks. Those who are self-employed have a variety of decisions to make when it comes to health insurance, but one they might want to consider that many don’t is supplemental health insurance. Learn more today. […]
You’ve become a U.S. citizen. Congratulations. You are now eligible to purchase life insurance to help protect your family in the event of your death. Check out these life insurance tips for new citizens to start your research. […]
If you are thinking about buying life insurance, but aren’t sure you will qualify because of your weight, we have good news. Many people who are outside the normal weight range can get life insurance. The key to finding the right policy is to shop around. Learn more about your options. […]
While securing financial coverage for their children is a priority for some parents, it may not be to others. Any life insurance purchase comes with heavy consideration and those looking to buy should be well informed about their purchase. […]
If you are a new homeowner, now is a good time to review your life insurance coverage. With the added financial responsibilities of a new home and mortgage consider buying life insurance if you don’t have any, and if you do, reviewing the amount of coverage, cost of premiums and even the beneficiary designation. Learn more. […]
If you are recently married or still planning your upcoming nuptials, consider adding life insurance to your to-do list. Married life brings new responsibilities and realities, so read more about this important financial decision. […]
About 71% of college students graduate with almost $28,500 in debt, including both private and federal loans. When the focus of life insurance is to ensure you don’t leave your loved ones in financial distress when you pass, college students who graduate with debt should consider the role life insurance plays in their financial portfolio. […]