Articles for Life Insurance


Skydiver Insurance

Skydiver Insurance Website – Click here for complete information about Skydiver Insurance. For recreational and professional skydivers, there are three main kinds of skydiver insurance policies. These are called the mandatory third party policy, the personal accident skydiver insurance policy and ...

Stranger Oriented Life Insurance Policies

One of the most important things that you need to secure in your future is to have a life insurance policy.  This way, in the event that you die, a lump sum will be given to your beneficiaries as a way of helping them cope with the loss.  However, some individuals and even insurance companies found ...

Life Insurance and Estate Planning

Estate planning is defined by the Wikipedia as “the process of anticipating and arranging the disposal of an estate.”  It aims to eliminate any uncertainties about the will, and maximizes the value of the estate by reducing any taxes associated with it. When most people hear about this word, ...

How to Dispute a Life Insurance Claim Denial

For years, you have been paying your premiums diligently, and you remained confident in the fact that your future was secured.  Years later, you lose a loved one and you file a claim with the insurance company, only to find out that your claim is denied. How would you now proceed? Understand that ...

Life Insurance and Financial Planning

Isn’t it strange how some of the things that we do go hand in hand or most of the time the result of what we have done earlier? The same thing is true with life insurance and financial planning. The two are very much different but they go hand in hand. Having a life insurance is normally an indication ...

Irrevocable Life Insurance Trust

An Irrevocable Life Insurance Trust or ILIT is an irrevocable trust that holds a life insurance. As the term irrevocable implies, this kind of trust can’t be changed or amended once it has been signed. The assets that you have put there will stay there and the beneficiaries or trustees cannot be ...

Endowment Life Insurance

Endowment insurance, also more commonly known as endowment life policy or endowment policy, is an insurance policy that guarantees a sum of money that the insured or their beneficiaries will get when the predetermined contract period reaches its end.  It is a contract specifically intended to pay ...

WHOLE LIFE INSURANCE: Advantages and Disadvantages

What is Whole Life Insurance? Whole Life Insurance is a kind of insurance that remains active for the duration of the insured party’s lifetime and beneficiaries are paid after the policyholder’s demise. Needless to say, it covers the policyholder’s entire life as long as premiums are paid. Premiums ...

Types of Life Insurance

Life Insurance is a security we pay for in the event of death due to critical or terminal illness.  The insured pays a premium to the company, in payments that have been agreed upon by both parties.  Life insurance falls into two major categories, which are protection policies and investment policies.  ...

Life (Insurance) After Divorce

When a marriage ends, it does not mean that the financial obligations that come along with it also cease.  With it come alimony, child support, and lawyer’s fees that will surely impact your financial standing.  Reevaluating your life after this separation is necessary not only for your own sake, ...

Why do people buy Children’s Life insurance?

Life insurance is the purchase of life policies to ensure that the future of the dependents of the insured is secured after their death. So what is the reason for children’s life insurance?  Unless your child turns out to be the next big thing in the movie screens or the next Ludwig van Beethoven ...

Travel Insurance Mistakes to Avoid

All your bags are packed and ready to go—camera – check, cell phone – check, swim suit – check, tickets – check, travel insurance?—hmm. We all know going away on vacations or even just leisurely trips should be the least stressful activities, especially after spending so ...

Claiming a Death Benefit

Death Benefit, also known as Proceeds is the amount that is payable to his or her beneficiary by the life insurance company upon the insured’s death. A person who purchases a life insurance policy is called a policyholder or insured. He or She will then be insured against death. Upon the death of ...

Life Insurance Settlement

Life insurance settlement is the process involving the sale of an insurance policy by an elderly policyholder with only a limited life expectancy to a third party investor.  Typically, the policy will be paid for with an amount that is less than the policy’s face value but is more than the cash ...

Life Insurance Mistakes to Avoid

If a lot of people are living with inadequate health insurance, and many others going without it, you can be sure that the same can be said about life insurance. A study done on August 2010 by LIMRA, an insurance research organization, showed that ownership of individual life insurance has fallen ...

Life Insurance and Critical Illness Cover

Critical illness cover is usually obtainable when purchasing a life insurance policy, at an added cost. First offered in South Africa in 1983, it has since gained popularity in Europe, Canada and Australia, in countries that offer nationalized healthcare. Critical illness cover is now also beginning ...

How much life insurance should I carry?

It’s the question most people ask themselves when considering taking out a life insurance policy. They’ve asked themselves if they need it, and may have arrived at the decision based on the fact that they have dependents they need to ensure are provided for in the event of their death, or debts that ...

Avoid Life Insurance Scams

When we hear of life insurance scams, the first image that comes to mind is a clever villain who stages his own death in the middle of the ocean leaving his beautiful beneficiary to claim his multi-million dollar death benefit. They rendezvous at a pre-arranged secret location at midnight then hie off ...

Variable Life Insurance

Variable Life Insurance is also known as Valuable Appreciable Life Insurance. This specific type of life insurance provides protection to the beneficiary upon the death of the policyholder. The Variable Life Insurance has fixed premiums but also allows you to invest in different investment funds within ...

The Great Debate: Term vs. Life Insurance

It’s always been the question of all time, whether to get term or life insurance, and if getting term insurance, should you invest the difference?  To make sure that we are on the same plane here, term life insurance is designed for a specified time period, and offers no cash value.  Known to ...

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