The Need For Life Insurance

return of premium term life insurance - ATM

Return of Premium Term Life Insurance

Although Return of Premium Term Life Insurance entered the insurance market with a “Bang,” the interest has begun to wane as many financial gurus condemn the product as being overpriced. These gurus who opine regularly about the additional cost of the return of premium (ROP) are typically guilty of painting all insurance shoppers with a.. More

20 year term life insurance

20 Year Term Life Insurance – Top 3 Companies

Most people know at least something about term life insurance. They typically understand that term is the cheapest life insurance available and they understand that it is considered temporary insurance. Because term life insurance is so affordable, it will usually fit within the budget of most Americans and can be used for many purposes: Replacing.. More

term life insurance

Best Quotes for 15 Year Term Life Insurance

Term Life Insurance is considered to be the cheapest life insurance that a person can buy. Because of this, term life insurance is typically the most popular insurance product for young and middle-aged adults. Most insurance shoppers are aware that term insurance can be purchased for up to 40-year terms so it’s logical to wonder.. More

variable universal life insurance

Top Choices for Cheap Life Insurance

Believe it or not, when you consider what you get for what you pay, life insurance is one of the few bargains in the marketplace. Think about it, a 30-year old male can start a $500,000 Term Life insurance policy for about $20 and then die the day after it’s issued, and his beneficiary will.. More

mortgage protection insurance

The Complete Guide to Mortgage Protection Insurance

If you have recently closed on a home loan, it’s likely that you’ve received several notices about Mortgage Protection Insurance. Did you read them or throw them away? If you opened your letters, you are probably curious about this insurance called “Mortgage Protection Insurance” and have ended up online to get more information. Wouldn’t it.. More

retirement

IUL – Used For Retirement?

Shopping for life insurance coverage, specifically indexed universal life insurance, can be a tough decision. When you decide to use IUL for retirement planning, you are usually making a choice that will last a lifetime. There are many companies offering indexed universal life insurance.  With so many IUL plans to choose from, you really need.. More

guaranteed universal life insurance

Guaranteed Universal Life Insurance

Permanent life insurance has been devised to last your entire life (lifetime guarantee) and to provide your beneficiary a payout once you die. Unlike term life insurance, guaranteed universal life insurance, or GUL, will stay in force forever or as long as you pay your premium.  Your premium is guaranteed not to increase and your.. More

beneficiary

Contingent Beneficiaries, Why Do I Need One For My Life Insurance Policy?

While you may not be able to take your assets with you once you die you do have the capability of creating an estate plan to leave your assets with your family and loved ones using a life insurance policy, trust, will, or other legal entity.   In the case of a life insurance policy, you.. More

is life insurance taxable

Will You Pay Taxes On Life Insurance

Death benefit proceeds from life insurance are customarily tax-free lump-sums of money paid out to your beneficiaries. Unfortunately, there are times when they might be subject to taxation, such as when they exceed a specified threshold or when they’re paid out in installments. The best way to ensure financial security is through a life insurance.. More