2010 was a much improved year for America's insurance industry after suffering through 2009, which was a terrible year. During the last few years, write offs in the insurance industry occurred in record amounts. Overall this helped to push insurance rates down. Tough competition and company consolidations were also prevalent, which helps reduce rates as well across the board in order to attract and keep customers. It appears at this point that the worst is behind us. Over the next several years consumers can expect to see life insuran
[ read more » ]May 2, 2009 | Featured, Term Life | Pamela Spencer | No Comments
People often have questions about term life insurance. Here are answers to some of the more frequently asked questions.
1. Why should I buy life insurance?
Read MoreApril 15, 2009 | Featured, Term Life | Pamela Spencer | No Comments
The internet provides a great way to shop, find information, communicate, and receive the latest news online. You can also buy term life insurance online these days. In fact, it is becoming more and more popular. You may wonder why anyone would go through the trouble of researching and buying term life insurance online when you could just find a local insurance company and sign up with them. Online life insurance customers would probably ask you the reverse, why go through all the trouble of contacting life insurance companies in your local area when researching and buying term life insurance online is so easy and convenient?
Read MoreFebruary 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.
Read MoreJanuary 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.
Read MoreDecember 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?
Read MoreDecember 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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