Disability Insurance 101




How to Find a Life Insurance Company

Many people wonder how to go about choosing a life insurance company. In truth, there are several factors that can determine one’s decisions to pick one company over another.

What is an Annuity?

Annuity Definition and How They Work – Life annuities are confusing for most people. There are many different types and all are basically the same thing: a product where an insurer makes payments to the insured for the term of their life. The seller is also known as the issuer.

Life Insurance: Back to Basics

This article is a brief write up about the life insurance industry and how it forms part of your crucial financial planning, how it is applied in the reality of this world, and just how the common masses always dismiss the important factor of having an insurance policy. What do we know about insurance? Is it just a common stigma in a normal person’s life? Can it really save our family, and doesn’t it contradict the word death coverage, when we would already be dead, how good, or of use to our loved ones?

Why You Should Invest in Life Insurance Now

There are many investment products out there, bonds, mutual funds, stocks and shares, you name it. There is however another mode where one would oversee. Ever heard of the term “invest in yourself”? That would usually apply for you investing in knowledge, true. But in this context, it literally means: “invest in thyself”. As the great Li Ka Shing said before: “The best investment is to buy a million dollar policy on your child when he is born”.

Make Sure You Do These Five Things When Buying Life Insurance

You’ve made the move mentally. You are ready to do something selfless and get some life insurance to provide security for your family in the event of your early exit. Congratulations, as you are one of too few that are addressing this critical need.

Awareness of Life Insurance

Life insurance is an important part of your financial planning. If your family’s only source of income is your salary, then you need life insurance coverage. If you are young, then you need more life cover that will last longer. You should take a life insurance for 10 years or 20 years depending on the age of your children. A life insurance could help to maintain your family’s standard of living and makes sure that your children have all the opportunities even after your death.

Spotting False Term Life Insurance

False life insurance fraud is perhaps the most sensitive kind of insurance scam, since larger frauds are often discovered only after the death of the insured. Although buyer frauds are very common, and can even lead to the murder or suicide of the insured in order to cash in their insurance, this article focuses on seller fraud, where those selling or claiming to sell insurance are involved in the fraud.

Why Is My Life Insurance Policy Lapsing?

Every month Billions of dollars in life insurance death benefits lapse due to declining interest rates on interest sensitive life insurance products. The product I am talking about goes by a few different names: 1. Universal Life 2. Flexible Premium Life 3. Adjustable Premium Life.

Indexed Universal Life Insurance For Retirement Income

Indexed universal life insurance can be a great savings vehicle for investors who have a good ability to save. Indexed universal life or IUL, is a type of permanent life insurance that allows a policy holders to build a cash value.

To Fiduciary or Not To Fudiciary?

The excuse for burdensome regulatory interference is consumer protection. The end result is actually reduced service for the middle market who needs advice more than the mass affluent market.

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