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The subject of life insurance can be a confusing one and we spend a lot of time discussing various ways to buy life insurance. How much do I need? How much will it cost? Will my beneficiaries have enogh to live comfortably? What is the difference between cash-value and term life insurance? Which is the … Read more
When it comes to buying life insurance the most important comparison is between term insurance and whole life. Here is an explanation of each. A term life insurance plan provides life insurance – plain and simple. A whole life insurance plan provides life insurance but also accrues value, which you can cash out or borrow … Read more
No matter who you are or what you do for a living, you should make sure that you have some sort of life insurance policy. However, this is even more the case if you are one of the only sources of income for your family. In this case, you should keep in mind that your … Read more
When it comes to life insurance we have two primary types of policy to choose from term life insurance or whole of life insurance. Many people find it hard to come to a decision about which type of policy to take out but the decision you have to make really isn’t that complex and both … Read more
For some reason I always seem to receive a lot of mail this time of year on the subject of “Life Insurance”. Most want to know the benefits or pitfalls of Term Life Insurance over Permanent Life Insurance. Term Life Insurance is by far the most cost effective way of securing a life insurance policy … Read more
A life insurance broker is a dedicated person that encourages and listens to the needs and wants of a person looking for life insurance. It doesn’t matter what type of life insurance you are looking for, whole or term life. A broker will be able to find suitable rates for you to choose from. When … Read more
My father died when I was nine. He left behind my mother and four children aged between seventeen years and nine and no money. Sure I missed him but at nine I didn’t really have much idea about death or loss. I know it sounds selfish but what I really missed was our old lifestyle. … Read more
Whole life insurance policies are the most expensive policies on the market due to the increasing cash value over time. This isn’t necessarily a bad thing as whole life insurance is permanent life insurance that covers you for as long as you live. This differs from term life which has a cheaper monthly premium but … Read more
Although term life insurance policies gets you cheaper monthly payments, when you request quotes, are whole life policies a better buy? With whole life policies you are covered for as long as you live and pay the premiums. With whole life insurance you are prepaying the cost of the policy but it is not a … Read more
“Different strokes for different folks.” When it comes to life insurance, it’s important that you keep that saying in mind. Most people are familiar with “whole” life insurance. This is the kind of insurance where you will get back a certain amount of money when it “matures” at the end of the insured period. What … Read more