June 17, 2021
AgencyGetting Life Insurance Without a Medical Exam
When applying for a standard term life insurance policy, you’re required to take a brief medical exam so the insurance provider can determine the status of your health, and therefore how much your premium will cost. However, for those who do not wish to take a medical exam and/or do not have the time to […]
August 3, 2021
AgencyUnderstanding Life Insurance Terms
Like many industries, the world of insurance has its own unique set of vocabulary to describe its products. To help you understand the information included in a life insurance policy, we’ve gathered some basic terminology in this easy-to-reference overview. Beneficiary: The person or party named by the owner of a life insurance policy to receive […]
September 16, 2021
AgencyPros and Cons of Life Insurance For Kids
Even considering the possibility that one of your children might die is enough to bring some to tears. It’s not a pleasant thought, but for too many people, it’s a sad reality. Complications from a birth defect, a car accident, SIDS, childhood cancer. They’re unfortunate realities that far too many parents have to face. Life […]
October 6, 2021
AgencyHow Can Life Insurance Help Cover Your Business Ownership?
As a business owner, you recognize the importance of managing your company’s finances. You know that it is critical that you play a role in the day to day activities. Yet, something could happen to you at any time. This is where life insurance can help you. If you own a business, having this type […]
December 28, 2021
AgencyWho are Insureds and Beneficiaries in Life Insurance?
If you are thinking about buying life insurance, then you will likely need to involve several people in your decision. First, there are those whose lives will be insured under the policies. Second, there are those who will receive the policy’s payout when a claim is made. Respectively, these are the policy’s insured(s) and beneficiary. […]
January 6, 2022
AgencyHow to Leave Life insurance to a Disabled Child
You buy life insurance to help your survivors financially after your death. Particularly if you have a disabled family member, this coverage will come in handy. Yet, because of the individual’s needs, how you structure your coverage might vary. What are the factors you must consider when leaving coverage to a disabled child? Step One: […]
February 16, 2022
AgencyFactors Influencing Your Life Insurance Premiums
Life insurance policies come at a cost, and you must continue to pay for yours in order to maintain your benefits. However, your individual premium is going to be unique to you, based on numerous factors that influence your risk of dying and triggering a death benefit payout. Let’s take a look at some of […]
April 8, 2022
AgencyHow Long Should You Carry Life Insurance?
Life insurance protects your family in the event something happens to you and they can no longer rely on your income. You should keep your life insurance policy at least the period that serves this purpose. And you may want to consider keeping it longer. How Long Do Life Insurance Policies Last? There are two […]
May 31, 2022
AgencyAnalyzing Your Need For Life Insurance
“Do I need life insurance?” is an age-old question, but the answer isn’t clear for some. Do you have a mortgage or other debt? Does someone count on you for regular ongoing support? If you answered “yes” to any of these, you may need life insurance. But for some people, you need to ask more […]
June 2, 2022
AgencyDo You Need Life Insurance?
When you think of life insurance, do you think about married couples with children? Though it’s common for families to purchase life insurance, it can be beneficial for people with various other circumstances as well. No one enjoys thinking about their own death, but accidents and illness are a fact of life and must be […]