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The general population thinks of cowboys, Quarter Horses, rattlesnakes, Brahma bulls, and Longhorn steers when they think about the livestock and pets typically found in the Lone Star State. When they think of pets they probably think of Australian Heelers, Heinz fifty-seven mixes, barn cats, and other ranch related working animals. What you probably don’t … Read more
If you are looking into purchasing life insurance, you have probably heard about both term life insurance and whole life insurance. Before you decide on one or the other based on what you have heard or what your insurance agent tells you, you need to understand the meanings of “term” and “whole,” and familiarize yourself … Read more
Life insurance as a risk mitigation element provides protection against casualties in life. The history of life insurance began with providing coverage for a particular period of time, and if the insured died during the period, the beneficiary got the death benefit. The disadvantage was that the period was limited, which led to the innovation … Read more
Almost everyone needs life insurance. Whether it’s to pay off debts, ensure the family income and standard of living, make sure college can be paid for, leave a bequest to charity, provide liquidity for a business or real estate, or hedge against the return of estate taxes. Most of our clients need at least some … Read more
Term life insurance has always been known as a “pure insurance” because it is strictly paid upon death with no cash value if left unused. Term life insurance is relatively inexpensive for this very reason. You are paying for peace of mind and protection, knowing your family would be financially secure upon your untimely death. … Read more
The answer to that question is often no. Term life insurance is not usually, if ever, something you can just pick up the phone and order and if it is, be skeptical! Most reputable term life insurance companies require potential policy holders to undergo a medical exam as part of the application process; however, this … Read more
Everyone wants a painless and easy approach when it comes to purchasing life insurance. That can actually be a reality if you know what to look for when shopping for life insurance. The painless part has every thing to do with the cost. Term life insurance is by far the least expensive of all forms … Read more
Adding an accidental death and dismemberment rider to a term life policy is an ideal way for those who need extra protection to get combined and comprehensive coverage. Accidental death and dismemberment riders are also known as “A D & D Riders” as well as “Multiple Indemnities.” Multiple indemnities mean that an insurance company will … Read more
Possibly most people today are aware of the great difference between term life insurance and bank mortgage insurance. People know that the bank owns the insurance (you don’t) you have to pay for it (they don’t) they are the beneficiary (your heirs are not) and it goes on and on. Term Life Insurance But apart … Read more
Choosing a life insurance plan is difficult; it takes a lot of time and research in order to ensure that all aspects are thoroughly examined before making a final decision. There are basically two forms of life insurance to choose from: term life insurance and permanent life insurance. Below you will find valuable information regarding … Read more