Life Ant http://www.lifeant.com Carrying You Along The Way Sat, 06 Jan 2018 05:56:56 +0000 en-US hourly 1 https://wordpress.org/?v=4.9.4 How Much Life Insurance Costs http://www.lifeant.com/how-much-life-insurance-costs/ http://www.lifeant.com/how-much-life-insurance-costs/#respond Sat, 06 Jan 2018 05:56:56 +0000 http://www.lifeant.com/?p=4290 If you are looking for life insurance, you might be wondering how much it costs.  You may even have already received a quote, but you don’t know if its a good price or not.  If you have an older policy, you may wonder if prices have gone down or up since you bought it.  Here… Continue reading

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If you have an Annuity do you also need Life Insurance? http://www.lifeant.com/annuity-also-need-life-insurance/ http://www.lifeant.com/annuity-also-need-life-insurance/#respond Fri, 05 Jan 2018 03:35:14 +0000 http://www.lifeant.com/?p=4286 Fixed annuities became very common investments when interest rates were really high.  They also enjoyed bumps during the market turmoil after the “.com” bubble burst in 2001, and the subprime mortgage crisis in 2008.  The reason they became popular during times of high interest rates was because people were locking in really good rates of… Continue reading

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How to Apply for Life Insurance Easily http://www.lifeant.com/apply-life-insurance/ http://www.lifeant.com/apply-life-insurance/#respond Wed, 03 Jan 2018 03:24:40 +0000 http://www.lifeant.com/?p=4278 Applying for life insurance does not need to be a complicated process.  We always help our clients at Life Ant through the entire application, from finding the right policy to applying to managing your policy. The life insurance application can appear daunting.  It involves many pages of questions involving your medical history.  It also can… Continue reading

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Life Insurance with a 401K- Do you Need Both? http://www.lifeant.com/life-insurance-401k-need/ http://www.lifeant.com/life-insurance-401k-need/#respond Wed, 11 Oct 2017 02:54:42 +0000 http://www.lifeant.com/?p=4269 Here is a common scenario.  A wife and husband both have retirement accounts through work.  They probably contributed to them for different amounts of time, and one may be quite a bit larger than the other or they may roughly be the same size.  Now in their mid 30s, they are starting to have a… Continue reading

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Risks of Relying on Employer Sponsored Life Insurance http://www.lifeant.com/risks-relying-employer-sponsored-life-insurance/ http://www.lifeant.com/risks-relying-employer-sponsored-life-insurance/#respond Sat, 07 Oct 2017 01:44:32 +0000 http://www.lifeant.com/?p=4259 Many companies offer life insurance as a benefit to working for them, much like medical insurance or disability coverage.  Your employer may offer it for free, or you may pay a small amount from each pay check, usually just a couple of dollars.  The question is, is this free or highly inexpensive kind of life… Continue reading

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Guaranteed Issue Life Insurance Explained http://www.lifeant.com/guaranteed-issue-life-insurance/ http://www.lifeant.com/guaranteed-issue-life-insurance/#respond Sun, 01 Oct 2017 17:54:33 +0000 http://www.lifeant.com/?p=4255 Guaranteed issue life insurance is a form of “no medical exam life insurance“.  Just like it sounds from the name, a life insurance company can not deny a policy if someone applies for a guaranteed issue policy.  While this sounds great, there are some very important catches to this type of policy that you need… Continue reading

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Single Premium Life Insurance Explained http://www.lifeant.com/single-premium-life-insurance-explained/ http://www.lifeant.com/single-premium-life-insurance-explained/#respond Sat, 30 Sep 2017 22:39:43 +0000 http://www.lifeant.com/?p=4246 A financial advisor may propose a single premium life insurance policy instead of a policy that requires annual premiums, typically to high end clients.  A single premium life policy also known as (SPL) is a pretty straightforward life insurance concept, but this type of policy has some nuances that are important. It works like other… Continue reading

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Level Term Life Insurance Explained http://www.lifeant.com/level-term-life-insurance/ http://www.lifeant.com/level-term-life-insurance/#respond Mon, 28 Aug 2017 00:37:23 +0000 http://www.lifeant.com/?p=4238 Most term life insurance policies are what are known as a “level term policy” type.  A level term life insurance policy is one that is not permanent, but the death benefit and the premium rate stay the same for the specified term of the policy.  A level term policy may be renewable at the end… Continue reading

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What to do if you Lose your Life Insurance Policy? http://www.lifeant.com/what-to-do-if-you-lose-your-life-insurance-policy/ http://www.lifeant.com/what-to-do-if-you-lose-your-life-insurance-policy/#respond Wed, 23 Aug 2017 03:00:15 +0000 http://www.lifeant.com/?p=4233 First of all don’t worry.  Insurance companies are required to pay death claims even if the beneficiary can’t find the policy of the insured person.  Just because you can’t find a policy doesn’t mean that the contract isn’t still enforceable in it’s original form.  You don’t need to buy a new policy if you lose… Continue reading

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Whole Life Vs Term- A Comparison http://www.lifeant.com/whole-life-vs-term-comparison/ http://www.lifeant.com/whole-life-vs-term-comparison/#respond Tue, 01 Aug 2017 05:18:19 +0000 http://www.lifeant.com/?p=4223 There is a lot of misinformation and half truths out there when it comes to comparing whole life against term life insurance.  We want to set the record straight.  There are benefits and downsides to both kinds of life insurance and the “best” kind for you could be either type, it all depends on your… Continue reading

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