Tobacco Smoker Life Insurance

Most companies offer tobacco smoker life insurance to an applicant that has used nicotine in the last few years. The prices and the category you can be classified in vary from one company to another. Insurance carriers can give non-smoker rates for limited cigarette use, pipes, patches and gum.

Learn More

Irrevocable Life Insurance Trust

Very few people are aware of the fact that insurance proceeds are included in the deceased’s estate and will therefore be applied estate taxes. If you wish to protect your family from this taxes the best thing to do is fund an irrevocable life insurance trust. This way you will give up the policy ownership rights and the proceeds will no longer be included in your estate.

Learn More

Life Insurance for Cancer Patients

Many people diagnosed with cancer have financial issues because of the medical bills. Life insurance for cancer patients that are still undergoing patients are hard to obtain. People with treatable forms of cancer or in remission can get a reasonably priced policy.

Learn More

No Physical Life Insurance

Nowadays there are a lot of insurance companies that not only advertise themselves online but also run their business in the virtual world. This being the case a lot of people can buy no physical life insurance online. Furthermore some companies even have a guaranteed acceptance based solely on four main questions.

Learn More

Types of life insurance

There are two major types of life insurance: whole life and term life insurance. The first one protects you throughout your whole life while the second one only protects you for a certain period of time. These two insurance categories can have a lot of variations such as universal insurance, variable insurance and so on.

Learn More

Life Insurance Underwriting Process

The first step of the life insurance underwriting process is writing the application letter. In order to make sure that your family won’t have any problems after your death, the best thing to do is be completely honest in your application. It is not uncommon for insurance company to require their applicants to undergo medical exams in order to determine their health status.

Learn More

Understanding Life Insurance Policies

There are a lot of aspects that you need to consider when buying life insurance. You must choose who you wish to insure in your family, how much coverage you need as well as the time period of the insurance. Understanding life insurance policies means finding a balance between the coverage that you want to receive and the premiums that you can afford to pay now.

Learn More

What Are The Benefits Of Permanent Life Insurance

A lot of people choose permanent life insurance because they want to protect their family members at all times and not just during the childhood. This type of insurance can also be a great way of protecting the spouse or it can even be a way of protecting your savings from estate taxes. Furthermore such an insurance also accumulates a cash value that can be used by the insurer.

Learn More

Life Insurance for Elderly People

Many aggressive agents promote the myth that life insurance for elderly people is harder to obtain. Insurance providers are more willing to offer coverage to senior citizens, because the life expectancy has increased. Find out more about how you can protect yourself and your loved ones.

Learn More

Term Life Insurance Quotes

Permanent life insurances are more expensive because at one point or another the company needs to pay the coverage. A lot of people choose this method because they consider it to be an investment in their family’s future. However it is a lot more profitable to pay cheap term life insurance quotes and invest the rest of your money in other financial plans.

Learn More

5 Life Insurance Tips

Before you purchase a policy, you must take into consideration several important factors, such as the future costs. Avoid working with a bank, association or employer and choose an independent broker. These 5 life insurance tips will give you some valuable insights on how you can acquire the best product.

Learn More

Understanding Life Insurance Options

Understanding life insurance options can also help you decide what you want for your family in case you were to pass away. Keep in mind that there are no good or bad policies. You just have to pick the one that best suits your needs. Do you want the insurance to be a safety measure or do you also want it to be an investment in your family’s future?

Learn More

6 Life insurance factors you must consider

Before you purchase a policy, take into consideration some essential life insurance factors that can affect the price range and benefits. Consider how much you are willing to spend and for how long you need coverage for.. Additional option can be more expensive, but save money in the long run.

Learn More

Life Insurance Quotes Without Medical Exam

A policy without medical examination is a good solution for applicants that are concerned about accidents and don’t want to wait for too long, or suffer from pre-existing conditions. There are some downsides to life insurance quotes without medical exam, such as additional costs.

Learn More

What To Consider When Applying For A Million Dollar Life Insurance Policy

When applying for a million dollar life insurance policy there are a few things that you need to consider. First of all you need to establish whether you need term or permanent life insurance. It is advised that you purchase this insurance while you are still young and healthy. However if you are suffering from an illness to need to inform the company about it.

Learn More
Page 2 of 3123