Life policy

Life Insurance For First Time Buyers, Great Eastern Singapore

Hopefully you are happy and healthy as you read this. No one wants to think about the worst happening – but it’s always good to plan for the unexpected. Making sure that your family and loved ones are taken care of gives you peace of mind and a sense of security. Buying life insurance may be a little overwhelming – especially if you are a first-time buyer. To help you sort out your priorities, here are a few tips to keep in mind. Know the basics of life insurance Let’s take a look at two of the most basic life insurance types: term life and whole life. A term life policy provides the simplest form of insurance at the lowest cost for a fixed period of time. There’s no cash value. However,...

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The Truth About Universal Life Insurance Policies

Do You Understand Your Insurance Policy? Your life insurance may be a predatory policy. Some policies are intentionally deceptive and don’t provide the coverage you think you’re paying for. Will your life insurance policy be there for your family when you pass away? Did you sign up when you were young to lock in a great rate you’ll be able to afford for years to come? You might be surprised to learn the dirty little secrets that insurance companies don’t want you to know. Today we’ll talk about how some policies are designed to become unaffordable when you really need them. I’ll help you understand the basics of how life insurance works, how predatory universal life policies are designed,...

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Whole Life Insurance Policy, YourLife by Nationwide Insurance

Whole Life Insurance Policy by Nationwide What's more important than the lives of those who depend on you? If something were to happen to you, you would want everything to be in order for them. A Nationwide YourLife whole life policy can help meet your family’s needs in the event of your death. As your personal situations change (e.g., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such...

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Is a Paid-Up Life Insurance Policy Paid Off?, Trusted Choice

What is paid-up life insurance? Can anybody have a paid-up life insurance policy? How do I know if my life insurance policy has a paid-up option? What are the benefits of paid-up life insurance? These are just a few of the questions that probably pop into your head when you hear the term paid-up life insurance. And for good reason. Is there really a way to have life insurance coverage that is paid-up immediately? Paid-up life insurance could be described as a life insurance policy that is paid in full, remains in force, and you don’t have to pay any more premiums. But it’s not really as simple as that. Paid-up life insurance is only an option for certain whole life insurance policies. Whole...

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Dorchester, MA Life Insurance Agents, Vargas Vargas Insurance

Life Insurance in Massachusetts All life insurance policies pay a cash payment when a person that is covered dies. Life insurance can be used to provide care to a spouse after passing or people who are dependent on them. Others want to leave a gift to several family members upon their death. There are several types of policies for you to choose between from Vargas...

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Whole Life Insurance, American Family Insurance

What Is Whole Life Insurance? Whole life insurance is exactly what it sounds like — protection for your whole life. This means you’re guaranteed permanent life insurance coverage* and your beneficiaries will receive a death benefit regardless of when you pass away. What Types of DreamSecure Whole Life Insurance Do We Offer? At American Family Life Insurance Company, we understand that every person and family is unique — that’s why we offer five Whole Life Insurance options you can choose from to meet your specific needs. In addition to DreamSecure Children’s Whole Life Insurance and DreamSecure Senior Whole Life Insurance, we offer: DreamSecure Pay to 65 Whole Life Insurance Add to your...

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Surrender a Universal Life Insurance Policy?, Wealth Management

Frequent contributor and columnist John Kador questioned whether a universal life insurance policy he purchased in 2007 continues to meet his current financial requirements. We asked a number of insurance experts to examine the policy and suggest the best course of action. This is Kador’s report on what the experts advised. In a subsequent article, Kador will report on the decision he made and its consequences. In 2007, I purchased two insurance policies from an insurance agent who was a member of my Rotary Club. One policy is term insurance with a $150,000 death benefit. The other is a universal life insurance policy also with a $150,000 death benefit. Both policies are underwritten by...

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When to Cash in a Life Insurance Policy

Whether to cash in a life insurance policy is an important decision. The choice can have a number of financial implications, including tax liability. Here are some factors to consider before cashing in a policy. If you’ve been reading on Dough Roller much, you may be aware that we tend to advocate for term life insurance policies rather than whole life insurance policies. Sure, whole life policies are a good fit for some individuals in certain situations. But for most of us, term is by far the cheapest way to go. So what do you do if you found this out too late? Maybe you’re paying through the nose each month for a whole life insurance policy. Perhaps you’ve decided you want to switch to a...

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The Best Limited Pay Whole Life Insurance Policies - Insurance and Estates

Many of the best life insurance companies offer limited pay policies. These limited pay whole life policies allow you to fund a permanent policy in a shorter amount of time. In the following article we will help shed some light on limited pay whole life pros and cons. But first, let’s get some basic definitions out of the way. Limited Pay Whole Life Insurance Defined Definition: A Limited pay whole life insurance policy has a set period in which you pay premiums into the policy, either for a number of years or to a specific age. Once you reach the target years or age, premiums are no longer required but the policy’s benefits lasts the insured’s entire life. Insurers offer limited...

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Types of life insurance policy - Which?

Most people have two main protection needs that can be covered by life insurance (often known as life assurance): Family protection, where you leave behind money for your family to live on after you've died Paying off large debts such as your mortgage. Different types of insurance policy are good for different protection needs. Looking to buy life insurance? If you decide you need advice, make sure you consult an independent life insurance broker. Which? Financial Services can refer you to an impartial, no-obligation third-party advice service to provide you with the best life insurance or mortgage insurance policy tailored to your individual needs. Term assurance The most basic type of...

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