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December 22nd, 2007

Buy Life Insurance Right — Ask Good Questions

Life Insurance Troubleshooting: Your Questions Answered Two things are true about life insurance: We don’t like to talk about it, and because of that, some of our life insurance questions go unanswered. To help you address your policy problems, we’ll answer four of the most common life insurance questions so that you can be confident and in control of your life insurance purchase. Questions Answered How do I file a life insurance claim? To begin the claims process, you’ll need to obtain a copy of the policyholder’s death certificate from the hospital or coroner’s office...

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December 19th, 2007

Is No Medical Exam Term Life Insurance A Good Buy?

No Medical Exam Term Life Insurance has become a popular search these days. As the internet makes life insurance more competitive, companies are developing policies that appeal to more people. The appeal of a life insurance policy without a physical is that it is more convenient, and possibly protects privacy better...

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December 13th, 2007

No Medical Exam Term Life — Is it Good For You?

When we used to apply for life insurance, especially larger face value term life insurance, we always knew we had to go through some sort of physical exam. It might mean a visit to the doctor, or at least having a para-medical exam where a tech would come and weigh us, measure our height, and perhaps take body fluids like urine or blood. The life insurance exam could be intrusive at the worst, and even at the best it could be uncomfortable and inconvenient! Quote Life Insurance With No Medical Exam now, because many more insurers are willing to write life insurance, sometimes up to $400,000, without forcing most applicants to go through a medical exam...

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December 1st, 2007

Do You Need Life Insurance?

Do You Need Life Insurance? Recent studies have shown that one-third of American adults lack life insurance. And of those insured, 40 percent don’t think they have enough. While it may seem difficult to determine how much life insurance is right for you, there is a handy way to calculate how much you need...

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November 27th, 2007

Final Expense or Burial Insurance Tips

MSN MONEY has just published a new article with tips on purchasing a final expense or burial expense policy. Most of the time people plan for funerals by purchasing a small face value life insurance policy that is designed to be issued to seniors. Some people also purchase pre-need plans through a funeral home...

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November 13th, 2007

Smokers Life Insurance Rate Quotes

Are you curious about smokers life insurance quotes and rates? Most of us realize that smokers will pay more for life insurance, but do companies take anything into account? Well, yes they do, and you can learn more about getting cheaper life insurance for smokers. We all understand that science has proven that certain diseases are more likely to happen when people smoke. Heart Disease, COPD, and cancer are examples of diseases that smokers have an increased risk for...

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November 8th, 2007

Life Insurance Needs And Estimates

Life Insurance Needs We all know that we need to buy life insurance to protect our families in case something happens to us. Nothing is worse than seeing a family who has a wage earner die, and then to hear the surviving family members say that they were going to get around to buying some life insurance, but just did not get around to it. Maybe they just were too confused by the whole subject of life insurance, thought it would cost too much, or just had not made up their mind about which type of life insurance to buy...

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November 3rd, 2007

Term Life Insurance vs Whole Life Insurance vs Universal Life Insurance

What Is Universal Life Insurance, compared to term or whole life? Most of the time, we hear about whole life insurance and term life insurance. Whole life insurance is the original type of life insurance coverage, and it is meant to cover a person until they eventually pass away, and it does build up a cash value, though traditionally at very small interest rates. Term life insurance is very popular because the premiums are usually the most affordable, but once the term is over the policy does not usually have any value...

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November 1st, 2007

Term Vs. Whole Life Insurance

Life Insurance Needs We all know that we need to buy life insurance to protect our families in case something happens to us. Nothing is worse than seeing a family who has a wage earner die, and then to hear the surviving family members say that they were going to get around to buying some life insurance, but just did not get around to it. Maybe they just were too confused by the whole subject of life insurance, thought it would cost too much, or just had not made up their mind about which type of life insurance to buy...

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October 12th, 2007

Senior Life Insurance

Many seniors are approached by offers to buy a senior life insurance policy. Sometimes these are called guaranteed life insurance or final expense policies. They are really whole life insurance policies, usually with smaller face values, that offer a simple issue for elderly people, or those with health conditions...

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