Articles for Life Insurance


Lost Life Insurance Policy: What to do?

Life insurance policies are purchased by people who want to provide their family with the same or better quality of life even after they are gone. Sometimes though, the insureds tend to wait for too long before informing the beneficiaries and the intended recipients have no clue of the existence of ...

Common Life Insurance Myths

The subject of life insurance is anything but simple. Aside from the fact that there are literally dozens of life insurance companies out there, there are also different types of life insurance policies to compare – and life insurance companies use different names for their policies making it difficult ...

Comparing Life Insurance Rates

Why do the same things cost differently. Let’s say you want to get a massage, Swedish. So, you go out and scout for the best place to get one. What you discover while going around is that the same massage costs much more than in some spa. You tend to question why since you will be getting the same ...

Cash Surrender Value vs. Face Value (Life Insurance)

As a consumer, life insurance for me is a complex matter. It takes a lot of focus to really understand its components. You can’t just take it as it is. There are different factors to consider before signing up for one. You have to be diligent so that you’ll get your money’s worth. In the early ...

Term Life Insurance or Whole Life Insurance: Which is the Better Choice?

Term Life Insurance, as it denotes, is “a type of insurance with no cash value and designed for specified time such as 5, 10, 15, or 20 years.”*  After the defined period of the policy, the coverage expires and the client must now choose to forego the policy, or obtain further coverage through a ...

No Exam Life Insurance: Your Basics

It’s a known fact.  You would have to go through a battery of tests before you can get yourself insured.  But, how does a ‘no exam’ life insurance work?  Is it possible to get yourself insured without having to undergo these medical examinations? What is No Exam Life Insurance? As the name denotes, ...

Who should purchase life insurance?

One of the scariest things one thinks about is his/her death. Let’s face it, nobody really ever wants to sit down and think about your own demise. Not unless standing on the edge of a cliff or playing with a set of butcher knives as a way to pass time are some of the things you fancy. Not all of us ...

Whole Life Insurance

By definition, Whole Life Insurance “is a life insurance policy that remains in force for the insured’s whole life and requires premiums to be paid every year into the policy.” In most cases, your death benefit and premium will remain the same. Whole life insurance builds cash value. This is ...

What Determines My Life Insurance Rates?

This is a question most people ask when considering purchasing a life insurance policy. Many wonder how companies arrive at their quotes, or even why quotes vary from one insurance provider to another. As uncomfortable as it may be for some to answer rather personal questions, insurance companies ...

Universal Life Insurance

Universal life insurance is a type of flexible permanent life insurance that combines elements found in term life insurance and whole life insurance. Universal life offers the similar low-cost protection of term life while having a savings element, as that of whole life insurance, which is invested ...

Insurance Fraud

Wikipedia defines insurance fraud to be “any act committed with the intent to fraudulently obtain payment from an insurer.” It has been around since insurance has become a profitable enterprise. Insurance fraud can be classified as hard fraud or soft fraud. In hard fraud, someone intentionally arranges ...

The Costs of Dying

People often lament about the cost of living. The budget is stretched to near breaking point with bills to pay, food to provide for families, clothes to purchase as the kids grow bigger and faster every year – the list goes on and on and on. Then the sudden death of a loved one jolts you out of your ...

The Benefits of Life Insurance

Everyone knows the benefit of life insurance is to protect your loved ones from the financial effects following your death. It is the primary motivation people have for purchasing life insurance in the first place. But all too often we forget life insurance has living benefits too. The death of a ...

Online Life Insurance Quotes

The emergence of technological advances such as the Internet and cellular communication has impacted greatly the way people correspond. Everything and everyone is usually within reach of a cell phone or computer. This is advantageous to millions of people – friends and families who are kept apart by ...

Life Insurance-Related Murder

Wikipedia defines life insurance to be “a contract between the policy owner and the insurer, where the insurer agrees to pay a designated beneficiary a sum of money upon the occurrence of the insured individual’s or individuals’ death or other event, such as terminal illness or critical ...

Calling all Women: Why You Need to Invest in Life Insurance

Historically, women did not take out life insurance policies. Man was expected to be the breadwinner and ensuring protection for his family was mainly his responsibility. Furthermore, the way men and women view, and consequently, spend money contrast greatly. So it comes as no surprise that according ...

Life Insurance for the Smoker

Smokers are discovering just how high a price their addiction can cost them. They pay higher sales taxes every time they buy cigarettes. They pay higher premiums for health insurance. The resale value of their cars and homes are greatly diminished by the smell of smoke. They are charged more for dry ...

How to Save Money on Life Insurance

Life insurance is an essential financial product. For those who are struggling in this economy, it doesn’t make the top of the list of their priorities. In fact, it usually doesn’t make it to the list at all. If you’re thinking that your money could better be used for your daily needs because ...

Choosing the Right Life Insurance Company

It’s a guarantee: looking for the right life insurance company for you will be a lengthy process. It will take up a lot of your time, effort and energy to get to know each company before finally deciding on one. But in the end, you or your family will be able to reap rewards that no amount of time ...

What do I do if my insurance company goes bankrupt?

Worry. Panic. Stress-out. Bankruptcy can be dreadful, but don’t panic! You’re still ok. The National Organization of Life & Health Insurance Guaranty Association’s article “What Happens When an Insurance Company Fails” discussed that if an insurance company went bankrupt ...

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