Category: Life Insurance

Needing to take time off of work for injury or disability is more common than you might think. In fact, around 30% of Americans are forced to take some kind of disability leave during their working life, which can be a huge financial strain on their family. But did you know that your life insurance…

You’ve worked your whole life to save money to use for your retirement, and to take care of your loved ones. Now that your retirement is finally approaching, you might be wondering: is it enough? In addition to your savings, do you have a pension or retirement benefits through your former employer, or will you…

After you’ve made the decision to purchase a life insurance policy to protect your family’s financial future, the next step is actually making sure you understand everything that’s in the policy you’re planning to buy. To do this, you should sit down and read through it so you are clear on your benefits, your obligations,…

Purchasing life insurance is the best way to make sure your family is financially protected when you are gone - sure, it might not be something that you want to think about, and searching for a policy might not be on the top of your list of fun things to do, but it is necessary,…

Funerals are not something we often think about until we have to deal with them in our own lives, but it’s an unfortunate fact that they require a lot of planning and are extremely expensive. In fact, the average funeral costs anywhere from $10,000 to $15,00 - that’s a lot of money for your family…

What are you looking for in a life insurance policy? The first thing you’re probably thinking about is coverage that will help your spouse, children, and grandchildren when you are gone, but price might also be a big consideration. If so, you should look into guaranteed universal life insurance. A guaranteed universal life insurance policy…

If you’ve made the decision to buy life insurance, congrats! As you’ve been researching policies, you’ve probably come across multiple types of policies, including universal life insurance, which might be a good option for you because of the many benefits it offers. Universal life insurance is a type of permanent life insurance that covers you…

Getting married and setting up a life with your partner is a joyful time, and life insurance might not be at the top of your minds. But it’s an important subject to discuss: after all, you both want to support each other for as long as possible. There are multiple options to consider when looking…

Rejection happens to the best of us. Things are no different when it comes to life insurance: some companies might reject your application for a policy. If you get denied for life insurance coverage, you might question why you were denied. There could be a number of reasons, such as your financial history, health, lifestyle,…

As we age, we can all develop health problems, which can make finding affordable life insurance an issue. If you have pre-existing conditions, life insurance companies could either deny you coverage or raise the price of your premiums. The greater the risk it is to cover you, the higher the price for whole life insurance…

Life insurance as a concept is pretty simple: you pay a premium each month so that your family will receive a lump sum, or death benefit, when you are gone. But in practice, it’s not always that easy; there are many different twists and turns to navigate, and a lot of different kinds of life…

Your 50s can be a time of big changes in your life. You might have a newly empty nest or a new love in your life; you might be getting remarried, paying off your mortgage, or looking forward to retirement. One thing you should definitely be thinking about at this point in your life is…

The coronavirus pandemic has put a lot of things into perspective, including how fragile life can be. The pandemic has made many people realize how important life insurance is to providing for their family once they can no longer do so. So, if you’re one of them, why are you still hesitating? Is it the…

If you’re expecting a baby, congratulations! Before you know it, you will be holding your bundle of joy in your arms, and your strong instinct to protect your child will kick in. As an expectant mother, you might have some fears and questions about how you plan to raise your child and how you plan…

Having a pre-existing condition is very common; in fact, according to the Centers for Medicare and Medicaid Services (CMS), half of Americans under the age of 65 have at least one pre-existing condition. Unfortunately, when it comes to life insurance, pre-existing conditions can affect your coverage options. It’s no secret that the healthier you are,…

When you make the wise choice to purchase a life insurance policy, you have a lot of decisions to make. First, you have to decide if you want term life, whole life, final expense life, or another type of life insurance policy. Then, you need to decide how much coverage is needed to provide full…

When many people think of life insurance, they think about buying it as security for the families who rely on them. While life insurance is definitely something that everyone with a family should have, this doesn’t mean that single people don’t also need life insurance. In fact, there are multiple reasons why single people should…

If you’re shopping for a life insurance policy, you are most likely searching for a great rate. But in order to determine your premium price, some insurance companies will require you to undergo a medical exam before you buy. They do this in order to figure out how much of a risk it is to…