You got married. You opened the presents. You went on the honeymoon. Now it's time to buy life insurance. Why, you may wonder, is this a good time to buy life insurance? You might think that you don't need life insurance if you're both working. The Life and Health Insurance Foundation for Education Read More
You may enjoy a glass of wine a day or have a few alcoholic beverages a week; however, exceed that amount and life insurance premiums may be higher for you than for someone considered a social drinker. Why Excessive Use of Alcohol Raises Your Rates Life insurance companies set their rates based on Read More
Life insurance can be an important part of your financial portfolio--one that can determine your family's lifestyle in the event of your death. When considering life insurance here ares some important things to evaluate: The Amount of Coverage You Need You should decide what expenses you want to Read More
You have decided that the time has come to purchase life insurance, a responsible move to ensure that your loved ones remain financially secure should anything happen to you. The good news is that there are plenty of resources to help you find the life insurance that is best for you. Before you Read More
Your cheap life insurance policy can be enhanced by adding low cost life insurance riders. Most riders can be added to any type of life insurance policy, but these riders are frequently offered with term insurance. What Is a Rider? Riders are special provisions that are not a part of the basic life Read More
If you are shopping for life insurance you have probably seen many different policy types. The main policy types are term life insurance and whole life insurance. Term Life Insurance Typically, term life insurance is the cheapest form of life insurance--this policy provides the most coverage for Read More
According to a survey commissioned by the Heritage Union in 2008, 77% of Americans believe that providing for their families after they pass away is important. Yet, the same survey found that one in three Americans does not carry life insurance--leaving many families without a plan should the Read More
The economic downturn has affected the life insurance industry, just as it has other sectors of the economy. LIMRA International, a professional development organization for the insurance industry, reported that new annualized premiums (the payments made for individual life insurance policies) were Read More
Obesity has been linked to serious conditions including cancer, heart disease, diabetes, high blood pressure, and more. These conditions can significantly raise the cost of life insurance, or even may render you ineligible for some policies. Obesity and Life Insurance The pricing of life insurance Read More
In these uncertain financial times, it may be more important than ever to think about effective personal financial planning. However, some people believe that financial planning means developing an investment strategy, but it's really a life plan for your finances. You know where you want to end up Read More
Q. Will my policy pay off my car loan if my car is totaled?
A. An explanation of what happens if your car is totaled out when you still owe money on your car loan or lease. Read More
Q. Will car insurance cover my stolen personal items?
A. If someone steals personal items from your car, will car insurance cover those items? Read More