December 8, 2009 | Featured, Medical | Pamela Spencer | No Comments
Did you realize that smokers may have to pay as much as three times more for a life insurance premium than a nonsmoker? Obviously you can save quite a bit of money on your life insurance costs if you quit smoking. Insurance rates for medical and car insurance are increasing, while the cost of life insurance premiums actually have decreased by as much as fifty percent recently.
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December 5, 2009 | Featured, Whole Life | Pamela Spencer | No Comments
A premium is the payment that you pay to an insurance company to obtain and maintain an insurance policy. If you fail to make your premium payments, your policy can end up being terminated. Usually when a policy gets terminated for failing to pay the premiums, you will end up with nothing.
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December 2, 2009 | Featured, Term Life | Pamela Spencer | No Comments
There are people who still think that life insurance is more of a luxury than the necessity it often is. People who want cheap coverage often opt for inexpensive term life insurance because it is probably the simplest way you can protect the financial security of your family in case of your untimely death.
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November 29, 2009 | Featured, Term Life | Pamela Spencer | No Comments
The most critical aspect of term life insurance is of course the amount of the payout that the policy will pay should the insured individual die within the term. That is why people purchase life insurance in the first place.
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November 26, 2009 | Featured | Pamela Spencer | No Comments
Although American homeowners tend to refinance their mortgages every four years or so, refinancing their life insurance policy is something that most people don’t even think about doing. This is an expensive oversight considering that the rates available right now are at their historic lows.
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November 23, 2009 | Featured, Whole Life | Pamela Spencer | No Comments
The life insurance companies have special language that they use, which can potentially confuse the average person when they are shopping for insurance. Whole life insurance can be especially confusing and has its own set of common terms. Here is a glossary to help you become familiar with some of the terms related to whole life insurance.
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November 20, 2009 | Featured, Term Life | Pamela Spencer | No Comments
Term life insurance that is renewable annually is life insurance with a one year term. This type of life insurance is the simplest kind. It lasts for just one year. If the insured individual dies within that one year time period a death benefit will be paid out to the beneficiary.
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November 17, 2009 | Featured | Pamela Spencer | No Comments
Alcohol abuse can significantly lower life expectancy. Therefore it does make sense that heavy drinkers have to pay higher premium costs for life insurance than moderate drinkers.
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November 14, 2009 | Featured | Pamela Spencer | No Comments
Becoming familiar with some of the more common terms for term life insurance can help you better understand just exactly what it is you are paying for when purchasing term life insurance.
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November 11, 2009 | Featured | Pamela Spencer | No Comments
There are so many uncertainties in life. In fact the unexpected occurs quite often. This is why everyone needs to consider getting life insurance. Here are five top reasons for why you need to invest in some life insurance.
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