December 28, 2022
AgencyEstimating Life Insurance Needs
When selecting a life insurance policy, it’s important to look at the facts. It’s not easy to take the time to do so, but a few minutes invested now can help you ensure that your loved ones are well cared for if the worst occurs. One of the key decisions you will need to make […]
October 6, 2022
AgencyCalculating Life Insurance Premiums
If you’re applying for life insurance, you’ll likely be asked a variety of questions about your health and medical history. You will also likely have to undergo a physical exam before an insurer will issue you a policy and final quote. This is because life insurance premiums are calculated after looking at an individual’s health […]
August 4, 2022
AgencyDo You Understand Life Insurance?
About one-third of American families do not have life insurance and many families that do have it are vastly underinsured. In fact, life insurance ownership is at a 50-year low. What’s causing this lack of coverage? The Life Insurance and Market Research Association (LIMRA) conducted a study and found that most Americans simply don’t understand […]
July 28, 2022
AgencyHow Long Should I Carry Life Insurance?
Many people buy life insurance with a very specific purpose in mind. Their overarching objective for their coverage, however, is to provide their loved ones with a financial settlement in the of their deaths. There are numerous types of life insurance policies on the market, and each is designed to provide specific benefits that are […]
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 […]
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 […]
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 […]
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 […]
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: […]
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. […]