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When you purchase a life insurance policy, you need to qualify first. The underwriting process is used to determine your risk level. That risk level is what dictates pricing for a life insurance policy. To learn more about life insurance underwriting, keep reading. What Is Life Insurance? Life insurance is an insurance contract that provides […]
What is Life Insurance Underwriting? Read More »
When you have too little life insurance coverage, that’s called a life insurance coverage gap. If you die during a coverage gap, your dependents won’t have the financial support needed to completely replace your income. To provide a proper safety net for your loved ones, you need a life insurance policy that covers all of
What is a Life Insurance Coverage Gap? Read More »
Life insurance will offer a financial safety net for your loved ones in the instance that you happen to die unexpectedly. When you die while covered by a life insurance policy, your beneficiaries are granted a large sum of money to replace your income and pay for other expenses, such as end-of-life medical bills and
How Can I Determine If I Need Life Insurance? Read More »
Life insurance protects your loved ones financially if you happen to die. To get life insurance, you must undergo a medical exam and submit health records. This process often disqualifies people who are considered to be high risk. If you are going to apply for life insurance soon, but are worried that you may be
What Can Disqualify You From Getting Life Insurance? Read More »
Life insurance offers coverage that protects your loved ones in the event of your death. All permanent life insurance plans feature a cash savings component, which builds value over time. This can be beneficial, especially if you choose an indexed universal life plan, which grows in relation to the market. With this in mind, you
Do You Need Indexed Universal Life Insurance? Read More »
There are many life insurance options available. One of them is indexed universal life insurance. These plans offer permanent life insurance policies that have a built-in savings component that earns interest based on market performance. They are called universal because they are meant to serve any person with any need. To learn more about the
Pros and Cons of Indexed Universal Life Policies Read More »
Life insurance products provide your loved ones with a death benefit payment when you pass away. You can choose how much you want them to receive when you sign the life insurance contract. Whether they receive the money or not depends on if you die while the plan is still active. While permanent life insurance
Permanent vs. Term Life Insurance Read More »
The right life insurance policy has the largest benefit value within your budget. Invest in a policy now to protect your family and their financial health. Whole Life Whole life insurance policies are a form of permanent life insurance, meaning you are covered for the rest of your life as long as you pay the
Which Life Insurance Policy Is Best For You? Read More »
Yes. There are quite a few reasons why some people choose to hold more than one life insurance policy. Types of Life Insurance Policies Term life insurance policies cover you for a specific length of time, ranging from five to 30 years. For a low, level monthly premium, you can purchase a death benefit of
Can I Have More Than One Life Insurance Policy? Read More »
The amount of life insurance coverage you need is largely dependent on your income, your debts, and the money your loved ones will need to be supported. Calculate these coverage needs taking the following into consideration. Dependents Do you have loved ones who rely on you for financial support? That includes children and adult dependents.
How Much Life Insurance Do You Need? Read More »
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