Archive for the Featured Category
February 7, 2009 | Featured, Term Life | Pamela Spencer | No Comments
Do you have a few employees or run a single-person, home business? Are you concerned about something happening to you or one of your key workers? Fortunately, insurance companies are aware of the potential losses that a business can suffer should someone suddenly pass away. These policies are often known as key employee insurance policies. They will compensate the company should someone die or get permanently disabled where they are no longer able to work. An insurance policy of this type will normally cover the training for a new employee and any subsequent losses in revenue that you may incur had the employee still been working.
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January 29, 2009 | Featured, Whole Life | Pamela Spencer | No Comments
When making important life decisions it is a good idea to look back to see how things have evolved to where they are now to help you make the right decisions on what will be best for you. When you are making a decision about whole life insurance, it is very important that you understand where it came from so that you can anticipate where it is headed into the future.
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January 22, 2009 | Featured | Pamela Spencer | No Comments
If you are wondering whether or not you can insure your spouse, the answer is yes. However, you cannot do this without her or his knowledge. You will need to meet with a representative who assesses your lifestyles and gives you a physical exam. Depending on your insurance company, you may be able to do this at home or at some other location. You will need to have some type of proof of your health before an insurance company will insure your spouse or you.
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January 10, 2009 | Featured | Pamela Spencer | No Comments
Life insurance is simply an agreement between an insurance policy payer and the insurer. In the agreement, the policy payer is ensured that a death benefit will paid to his or her beneficiary or beneficiaries in the event of his or her death. The policy payer pays a premium in exchange for the death benefit. The insurance premium can be paid as a lump sum or in monthly payments. The coverage of an insured person’s life is determined by life policies. The contract covering the agreement between the insurer and policy owner places limits on what events are covered by the life insurance policy. The event that is usually covered by the insurance policy is the death of the insured. Other events such as accidents, sickness and untimely deaths may also be included in the life insurance policy.
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January 3, 2009 | Featured, Term Life | Pamela Spencer | No Comments
There are several important reasons to purchase life insurance. However, the most important reason why people invest in a life insurance policy is to ensure that their dependents and loved ones will be provided for at a time of loss. No one wants to think about their untimely death, however this issue will need to be faced when you are considering purchasing term life insurance.
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December 28, 2008 | Featured | Pamela Spencer | No Comments
It is critical when owning or operating a business that you have plans in place just in case any of the owners, partners or key executives were to pass away suddenly. When starting a new business no one wants to prepare for a future where the company must go on without the guidance of its leaders, but it is a fact of life that none of us live forever and that we must prepare for the future.
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December 22, 2008 | Featured, Term Life | Pamela Spencer | No Comments
Term life insurance is a policy that is only active for a specified period of time. The term life insurance policy will only cover you for the amount of time that you intend it to and then it expires at the end of the term. With some policies you are able to pay extra during the policy’s term and have your premium payments refunded when the terms expires. This can be a good investment. How long are terms on term life insurance policies?
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December 19, 2008 | Featured | Pamela Spencer | No Comments
Unfortunately a majority of terminal illnesses are not short and sudden. Frequently people with a terminal illness suffer for months or even years, and often spend their last dime to pay for expensive medications or trying new treatments. Life insurance is often overlooked as a financial asset that may be at the terminally ill’s disposal to help them.
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December 12, 2008 | Featured | Pamela Spencer | No Comments
If you are about to get married, you probably have a lot on your mind in terms of all the different ways in which your lives will be joined. There are so many things on your mind when it comes to getting married. Once you are married, one of the things that you will need to address is insurance policies. If you or your spouse already have life insurance policies, you will need to decide what to do with them after you are married.
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December 8, 2008 | Featured, Term Life | Pamela Spencer | No Comments
Term life insurance has been in existence for a very long time and has resulted in quite a few different kinds of term life insurance for you to choose from. Some of these types are not very common. For example, renewable life insurance that is renewed on an annual basis. This form of term insurance could end up with very high premiums. Many people hesitate buying an annual renewable policy because of the fact that they will end up paying more on their insurance premiums as they grow older.
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