Spanish speakers talking about life insurance

Life Insurance For Spanish Speakers

Finding life insurance is difficult for anyone, but it can be particularly difficult to find the right policy if you don’t speak the same language as the people around you. The community of Spanish speakers in the United States is growing quickly, and many companies are starting to cater to Read More »

What Is A Life Insurance Beneficiary?

The beneficiary of a life insurance policy is the person who gets the money when it is claimed upon the death of the insured person.  The amount that they will be paid is known as the death benefit of the policy.  The death benefit is the payout paid by the Read More »
Get Life Insurance with Alzheimer's Disease

Life Insurance with Alzheimer’s Disease

Alzheimer’s and other forms of dementia are incredibly difficult to deal with, whether it’s happening to you or to someone else. Unfortunately, most cases of Alzheimer’s result in death eventually, although life span can be prolonged with treatment. If you or a loved one is suffering from Alzheimer’s, you’re probably Read More »
What Type of Life Insurance Does Suze Orman Recommend?

What Life Insurance Does Suze Orman Recommend?

Choosing a good life insurance provider and policy can be very overwhelming, and it makes sense to seek expert advice before choosing a policy. Suze Orman is an expert financial advisor and media personality that is well-respected for her podcasts and New York Times best-selling books on finance. She’s also Read More »
Life Insurance Premium Paying Family

What Is A Life Insurance Premium

A life insurance premium is a payment made to the life insurance company, to pay for a life insurance policy.  Premium can also contribute to growing the cash value of a permanent type of life insurance.  This term is also applied to payments remitted for annuity contracts both fixed and Read More »
Haven Life Review

Is Haven Life good for life insurance?

Haven Life is a unique life insurance company that focuses on providing accessible, affordable policies. They are owned by MassMutual, which is a reputable and popular life insurance agency with a long history. They are known for providing term life insurance without an exam, which is difficult to find with Read More »
Mass Mutual Review

Is MassMutual Good For Life Insurance?

You have so many options when it comes to choosing life insurance that things can sometimes feel a bit overwhelming. One popular option you may have heard of is MassMutual, which is short for the Massachusetts Mutual Life Insurance Company. Here’s what you need to know about MassMutual before you Read More »

Life Insurance Quotes Over Age 50

Both term and whole life policies are available for people over 50 years old.  There is not any special kind of life insurance or line of life insurance for people of this age.  Every company offers insurance to this age group in their normal insurance lines. If you are concerned Read More »

Fixed vs Variable Annuities

If you are attempting to plan for your financial future, you may be stumbling on the concepts of fixed and variable annuities. You may be wondering how they will affect your financial situation, how important they are to your financial planning, and if you should obtain one or the other. Read More »

Fixed Annuity Explained

Many people have heard of fixed annuities in the world of investing, but most don't really understand how they work.  In simple terms, a fixed annuity is an investment account held with the life insurance company that will one day pay a stream of income.  It technically is a type Read More »
variable life performance

How the Stock Market Affects Variable Life Insurance

Variable life insurance is a permanent life insurance policy that also where the cash value growth is partially dependent on investment performance.  To tie the cash value to investments, the policy has a cash value account that is invested in a number of sub-accounts available within the policy. A sub-account Read More »

What You Can Buy with Life Insurance Proceeds

With a life insurance payout, you are able to use that money for whatever you find necessary to purchase once you receive it. In other words, you can use it for anything.  Life insurance payouts are a great way to find peace of mind after a loved one is to Read More »
Pre-Need Funeral Insurance Plan Explained

Pre-Need Funeral Insurance Plan Explained

It may not be fun to think about, but it’s important to start planning for your funeral now to save your family stress and heartache during a difficult period. Funerals can get expensive quickly, and many families end up without the financial resources they need to cover the costs. There Read More »
Term Insurance Pri

Term Life Insurance Prices 2019

If you’re looking for affordable life insurance, chances are you’re going to go with a term life insurance policy. Life insurance prices are always fluctuating, and before you start shopping, it’s helpful to know what the average cost of a policy is, so you can determine if you are getting Read More »

How to Set Up a 401(k) Account

A 401(k) is an extremely important tool for retirement and for personal savings.  A 401(k) is important because it represents (by far) the biggest source of retirement funds outside of Social Security, and for many people, it is the easiest way to put money away regularly. Most workplaces offer a Read More »

What are Life Insurance Surrender Charges

Permanent life insurance offers financial protection in the form of a death benefit, and also offers a source of savings in the form of a cash value account.  The cash value account is the amount that your life insurance policy is worth, if you surrender or cancel it.  The life Read More »
Should You Buy Life Insurance Before You Have Surgery?

Should You Buy Life Insurance Before You Have Surgery?

Getting any sort of major medical procedure done can be very intimidating, particularly if you need to go under the knife for invasive surgery. If you are getting major surgery, you may wonder about the potential health risks if something goes wrong. While most surgery is incredibly safe, we have Read More »
life insurance fraud

What Are The Different Types of Life Insurance Fraud?

Many people don’t realize it, but life insurance fraud is a serious crime with potentially serious consequences. It’s surprisingly common, and it’s more difficult to get away with than you might think. It’s very important to know what the law is surrounding life insurance so that you don’t commit fraud Read More »
life insurance over 80

How to Get Life Insurance For People Over 80

If you’re over 80 and you don’t have life insurance yet, now is the time to start thinking about it. Even if you are in good health, it’s important that you have coverage just in case of an accident. Life insurance will pay for funeral expenses and any other costs Read More »
chronic back pain

Life Insurance With Chronic Back Pain

Chronic back pain is an extremely common physical condition that affects people from all walks of life. There are a huge variety of things that can cause chronic back pain, which is why it is so prevalent. For some people, symptoms are very mild, while for others, they are so Read More »
short term life insurance

How To Get Short Term Life Insurance

There are many instances where you may need a short term life insurance policy to provide your family with the security and peace of mind they need in case you were to pass away. Although it’s never pleasant to think about, it’s always important to have the coverage you need Read More »

How Obesity Affects Life Insurance Rates

If you’re shopping around for life insurance, you’ve probably heard that obesity and other health factors can affect your premium price. It’s true - life insurance companies do consider your health when determining the price of your life insurance, and obesity is a part of that. However, if you’re overweight Read More »

Life Insurance & Genetic Testing: Does it Affect Rates

Genetic testing has become very popular lately, with companies like 23andMe popularizing at-home DNA testing kits. Many people are choosing to get their DNA tested to learn more about their heritage, but DNA testing can also provide you with interesting information about your genetic background and what sort of diseases Read More »

Life Insurance Loans

Permanent life insurance policies with sufficient cash value normally allow for policy owners to pull money from their policy in the form of a loan.  Loans from life insurance policies can have distinct tax advantages, and they do not permanently reduce the death benefit paid to beneficiaries.  Here we discuss Read More »

Which Whole Life Dividend Option Is Best For You

Whole life insurance policies normally pay dividends.  For mutual companies, the dividend represents a partial return of company profits to the owners of the company, the policy owners.  For companies with different organizational structures the dividend is necessary to stay competitive with whole life offerings from mutual companies.  It is Read More »

Buying Your First Life Insurance Policy

Buying life insurance for the first time can feel daunting.  Not only do you need to think about your mortality, which is highly unpleasant, you also are faced with the task of choosing a complicated insurance product being sold by a lot of companies.  Sometimes, you can talk to three Read More »

How to Buy Life Insurance On A Budget

Life insurance is important - it will cover funeral expenses and support your dependents in the event of your death. Many people don’t think they need life insurance, but it’s always important to have, because you never know what’s going to happen, and you don’t want to leave your dependents Read More »

Permanent Life Insurance Comprehensive Guide

Permanent Life insurance is not one kind of life insurance, it is any kind of life insurance that is meant to provide coverage for someone's entire life.  This is in contrast to term life, which is only meant to provide protection for a specific length of time such as 10 Read More »

Term Insurance Rider Explained

Any insurance rider is an additional feature of a policy. A term insurance rider is an add-on to a permanent life insurance policy, most often a whole life insurance policy.  The term rider adds additional life insurance, but instead of being permanent the additional coverage expires.  For the length of Read More »
cash value life insurance

Is Cash Value Life Insurance a Good Idea? Or a Bad Idea?

While many people believe that life insurance policies only pertain to death benefits, cash value life insurance can accrue cash value over time of the policy. Cash value life insurance pertains to the process in which you can either withdraw cash or take out a loan against your life insurance Read More »
more than one beneficiary

Can Life Insurance Have More Than One Beneficiary?

There is a single major motivation behind buying life insurance: to financially protect your family in the event of your death. Of course, there are several additional side benefits, such as funding your death expenses and borrowing from the cash value element available with certain policies, but the main reason Read More »
online life insurance quote accuracy

How Accurate is an Online Life Insurance Quote?

When you begin searching for life insurance, it’s understandable to want immediate answers. And with the internet, it’s possible to obtain a life insurance quote in just a few minutes’ time. However, it’s worth wondering whether these tools are as accurate as we hope. So, just how accurate is an Read More »
fastest way to get life insurance

What Is The Fastest Way To Get Life Insurance Coverage?

If you live a super busy lifestyle and you have very limited time to spare, or you getting a life insurance policy within a certain time frame has been mandated for some reason, then you’re going to need to get a life insurance policy super fast. Even if there is Read More »
too much life insurance

How Can I Tell If I Have Too Much Life Insurance?

When it comes to life insurance, most people think that the more they have, the better. Of course, you want to ensure that your loved ones are taken care of when you pass away; but, like anything in life, too much life insurance isn’t always a good thing. In fact, Read More »
instant life insurance coverage

How To Get Instant Life Insurance Coverage

In the age of technology, we’ve all become pretty accustomed to buying whatever it is that we want or need just by tapping your finger on a screen. From clothing to accessories for your home, and even groceries or a car service, you can get virtually anything you want in Read More »

Why Buying Life Insurance Young Locks in Affordable Rates

When you’re young, say, in your 20s or early 30s, you’re in the prime of your life. You’re healthy, have few responsibilities, and have your whole life ahead of you. The last thing you’re thinking about is your mortality and life insurance. But, believe it or not, buying life insurance Read More »

Are Brighthouse Financial and MetLife the Same Thing?

In 2017, MetLife, one of the biggest providers of Life Insurance in the United States, established Brighthouse Financial. The purpose of MetLife establishing Brigthouse Financial was so that the insurance provider could focus solely on selling life insurance, as well as annuities, to individuals. MetLife still continues to exist, but Read More »

All About Voluntary Life Insurance

When it comes to life insurance plans, there are so many different options to choose from. Different policies offer different advantages and different coverages. Two of the most common types of life insurance policies include term life (only effective for a predetermine period of time) and permanent life (insurance coverage Read More »

Can I Claim Life Insurance as a Business Expense?

Life insurance is one of the best investments you can make. Not only does it provide your loved ones with financial stability when you pass away, but if you own a business, it can also protect your company. If you’re a business owner, you might be wondering if your life Read More »

Are Life Insurance Payouts Taxable

If you have a family, it’s likely that you invested in life insurance as a way to provide your loved ones with financial security in the event that you pass away. However, you may be wondering if, when you do pass away, the proceeds from your life insurance policy will Read More »
top life insurance companies in america

Top 25 Best Life Insurance Companies in America

Shopping for life insurance can be stressful. However, there’s one thing life insurance shoppers agree on: buying life insurance takes an enormous load off your back. The moment you pay your first premium on a good life insurance policy, you can rest assured that your loved ones will stay safe Read More »

Why You Should Stop Saving Money

You might be too concerned with saving money.  You might want to even stop saving.  That isn't the traditional advice from a financial advisor.  But in 2018 the rules are a little different.  With the price of housing near cities in the United States, and the rate at which it Read More »

Can you Borrow From Life Insurance to Buy a Home?

If you are buying a home, you know how expensive it can be.  The median home price is about $200,000 in 2017 and rising quickly.  In some markets you will be hard pressed to find a home for less than $500,000.  A standard mortgage requires a 20% down payment.  In Read More »