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PostNot sure if an accelerated benefit provision is right for you and need an accelerated death benefit rider explained so you can decide whether to include it? Basically, an accelerated benefits provision is a benefit that clients can add to their life insurance policy. It gives clients cash advances if they are diagnosed with a...
Not sure if an accelerated benefit provision is right for yo...
PostWhat is the waiting period for life insurance? Unlike auto insurance, most life insurance policies don’t go into effect immediately. The best life insurance companies want to assess how much of a risk you are to insure, so your insurer will thoroughly assess your health before calculating a rate and assigning you a policy. This...
What is the waiting period for life insurance? Unlike auto i...
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PostDo you struggle to understand how life insurance premiums are calculated? Are you unsure of what factors influence the cost of your policy? Many people find themselves in this same situation, so educating yourself about the fundamentals of life insurance premiums is important. In this guide, we’ll explain how life insurance works when it comes...
Do you struggle to understand how life insurance premiums ar...
PostWhen money is tight, borrowing against a life insurance policy is an easy way to access the cash you need quickly. However, you can only borrow against permanent life insurance policies. In this article, we’ll explore the options for cashing out life insurance in 2022, including what the process is, how much you can borrow,...
When money is tight, borrowing against a life insurance poli...
PostSince life insurance isn’t required coverage, you may wonder if life insurance is worth it or not, particularly when you already pay for other coverages like health insurance or car insurance. The answer depends on your financial situation, whether you have dependents, and similar factors. For example, life insurance may be a good investment if...
Since life insurance isn’t required coverage, you may ...
PostLike most people, you need life insurance if something happens to you in the future. You may discover that one of the requirements for life insurance is taking a medical exam. A life insurance payout eliminates the financial burden of your funeral, increases cash value, and provides your beneficiaries with a small inheritance depending on...
Like most people, you need life insurance if something happe...
PostBuying life insurance is more time-consuming than purchasing a home or auto insurance policy, as it’s usually a bigger purchase. So when applying for life insurance, it’s important to ensure you’re getting the right policy for your needs and following all application steps correctly. It’s also helpful to familiarize yourself with life insurance terms before...
Buying life insurance is more time-consuming than purchasing...
PostIf you’re here, then that means you’re considering purchasing life insurance to protect your family from financial hardship in case something happens to you. Though, if you’re new to the process, you’ll naturally have a wide variety of questions. For example, what are the different types of life insurance? How much life insurance do you...
If you’re here, then that means you’re considering purch...
PostLife insurance ensures your loved ones are taken care of financially after you pass, but it can be an expensive purchase to make to get whole life and term life insurance. Knowing the average cost of life insurance can help you budget for life insurance. However, since life insurance rates vary drastically from person to...
Life insurance ensures your loved ones are taken care of fin...
PostFudging, omitting information, or outright lying on your term life insurance application could put your loved ones at risk. Honesty is the best policy. Literally.
Fudging, omitting information, or outright lying on your ter...
PostIt is possible to buy life insurance for someone else, but you need to prove insurable interest and have the person’s consent. If you choose to take out permanent life or term life insurance on someone else, make sure you are prepared beforehand with what you’ll need to prove insurable interest and other important details. ...
It is possible to buy life insurance for someone else, but y...
PostMost people have heard that life insurance is one of the best ways to protect your family after your death, but figuring out how to buy it can feel overwhelming when you start looking. That’s especially true if your budget doesn’t have much space for a new monthly bill. However, there are plenty of ways...
Most people have heard that life insurance is one of the bes...
PostWere you wondering about the benefits of life insurance? Life insurance has several advantages that can help secure tax-free payouts to families. But what benefits of insurance are the most useful? Can you receive life insurance benefits while you’re alive? Don’t worry — we’re here to help you answer those questions.Accelerated Death Benefit Rider ExplainedIs...
Were you wondering about the benefits of life insurance? Lif...
PostUnderwhat? Yeah, we know. It's really just a fancy word for a review or assessment. A life insurance company collects lots of information about you to determine the risk in selling you a policy. Here's how it all goes down.
Underwhat? Yeah, we know. It's really just a fancy word for ...
PostMost term life insurance policies require a brief, in-home medical exam. Learn what to expect from the exam and how to ensure you get the best results.
Most term life insurance policies require a brief, in-home m...
PostYou will be required to provide your social security number when you apply for term life insurance. Mostly for verification, but partly for your protection.
You will be required to provide your social security number ...
PostUnderstanding term life insurance rating classes can seem like learning a new language. But it's not that bad. We'll walk you through it.
Understanding term life insurance rating classes can seem li...
PostHere in my left hand is a mirror, in my right hand… Smoke. A life insurance policy “illustration” is a set of projections, prepared by the actuarial department of the insurance company. It shows how your policy will perform over your lifetime. It includes financial projections for each year. If it’s a term policy, the...
Here in my left hand is a mirror, in my right hand… Sm...
PostMost life insurance companies calculate your life insurance age based on your half-birthday. This may cause you to pay more for your life insurance policy.
Most life insurance companies calculate your life insurance ...
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PostLike any smart shopper, you're always looking for ways to save money. From books to groceries to hotel rooms. Well, isn't it time you save money on your term life insurance premium, too?
Like any smart shopper, you're always looking for ways to sa...
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