Life insurance options

Life Insurance Options

When you purchase your life insurance there are a variety of options available to you. These life insurance options are known as ‘riders’ and serve a wide variety of purposes. Like buying a new car, adding these bells and whistles can add substantially to your costs without necessarily giving you a better ride. Let’s review the various riders, and decide if they’re worth the extra money or not. Accidental Death rider (AD) This rider allows you to purchase an additional amount of coverage that will pay out subject to accidental death. By contrast, it will not provide additional benefits should you die due to medical reasons. Accidental death provides coverage at...

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Life insurance: Here s how companies price plans

Don't dismiss life insurance as too pricey. Here's how to pick a plan Ask someone why they’re investing for retirement, and they’ll usually give two answers: to cover post-retirement living expenses and to help provide for a spouse after they're gone. But what if "gone" comes far earlier than you expect? Term life insurance is a great – but often misunderstood – safety net. Term life insurance is a policy with a fixed end date – usually 10, 20 or 30 years out, depending on when you expect the kids to be out of the house and your nest egg to be sufficient. It is meant to ensure your family can cover funeral expenses, debt and other needs after you’re deceased. I bought a term life...

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Life Insurance

Protection for you and your family The Lab offers a variety of life insurance options through The Hartford to help you protect your loved ones. Life insurance provides financial assistance to help cover the rising costs of final expenses and any outstanding debts you leave behind. Basic Life Basic Life insurance coverage provides 1 times your annual earnings, rounded to the next highest $1,000 if not a multiple of $1,000, with a minimum of $5,000 and a maximum of $50,000. The premiums for Basic Life insurance are paid by the Lab. Eligible employees are automatically enrolled in this coverage. Supplemental Life If you need coverage in addition to Basic Life insurance, the Lab offers...

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What is the Cash Surrender Value of Life Insurance Policy

In order to discourage policy holders from pursuing life settlements, some insurance companies resort to cash surrender value. Essentially, cash surrender value refers to the amount an insurance company will offer an insurance owner who chooses to give back their life insurance policy. Normally, this occurs when a policy is unwanted or obsolete in the life of a policy holder. The Cash Surrender policy option is intended for those who would like to abandon their life insurance policy and stop making premium payments. Besides using the Cash Surrender value of life insurance option, a policy owner has two other options when they do not wish to retain their insurance policy. As a policy owner,...

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North Carolina Life Insurance Options, Don Allred Insurance

North Carolina Life Insurance Options In Burlington, Graham, and Mebane, North Carolina, individual life insurance policies are an integral insurance type to purchase. Luckily, there is an easy way to obtain quotes and compare options to secure this important need. Understanding the basics of life insurance is a must before purchasing coverage. Basically, life insurance is designed to cover those left behind when someone passes away. It can be used for funeral expenses, related debts, and as a way to replace lost income. This is where versatility comes into play, as an unexpected death in a young family can be emotionally and financially devastating – making life insurance a vital...

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Life Insurance - What Options Are Out There?

Life Insurance - The Options Life insurance is not a topic that people often want to think about because of the morbid nature of the subject. In spite of this, life insurance is a great way to make sure that your loved ones are provided for when you're no longer around. If you have people who are financially dependent on you, then you might want to consider looking into a life insurance plan. With so many options available to you it can often be hard to decide which plan is the right one for you. Here are some of the different types of insurance plan that are out there: Financial Security The main reason that people get life insurance is to make sure that in the event of their death their...

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Farmers Life Insurance Options, Jeff David Farmers Insurance Agent

Life Insurance Options In a nutshell, Life insurance comes in two forms: Term insurance and Permanent insurance. Term vs. Permanent Insurance Term insurance provides coverage for a set period of time and is usually less expensive. It provides the greatest amount of coverage for the lowest initial cost. You may find that a Term policy is a good choice if you have temporary needs or if your funds are limited. Permanent insurance, which includes Whole Life and Universal Life, may be the right fit for you if you want to cover a long-term need such as income for a spouse, legacy planning for children or end of life expenses. Permanent insurance may initially cost more, but may accumulate cash...

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Tennessee Life Insurance Options, Swaggerty Insurance Group

The Facts About Tennessee Life Insurance Purchasing life insurance is one of the most important financial moves you can make. The coverage from this type of policy protects your family from financially worrisome situations if you are not there to provide for their needs. When you work with an independent agent, you can get the protection your family needs for less. What Type of Policy Is Right for You? One of the most important decisions you need to make is what type of insurance is right for your situation. The biggest factor to consider is time. With whole life insurance, the individual is covered for their entire lifetime. This type of policy allows you to borrow from it over your life...

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Life Insurance - Charles J. Sellers Co., Inc

Life Insurance Protect the people you care for – your spouse, children, and others who depend on you – with life insurance. Life insurance can help replace income to pay for children’s education, mortgages, and the costs of daily living. At Sellers & Co., we think that every few years you should reconsider whether you have enough life insurance. Changes occur in everyone’s life – you may have purchased a new home, had more children, or taken on new financial obligations. Make sure the amount of life insurance protection you have is keeping up with the changes in your life. Life Insurance Options Sellers & Co. offers several different life insurance options so that you can choose...

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Life Insurance, CHS Insurance

Life insurance will help you protect your loved ones no matter what the future has in store. Cason, Huff, & Schlueter is always thinking about your future and we’re ready to break down your life insurance options. Though the options may seem endless, we’re sure to match you with the right fit for your needs. From lifelong protection to specific coverage for a unique period of time, Cason, Huff & Schlueter Insurance will help you compare premiums of term life insurance, whole life insurance, and universal life insurance policies. We’ll help you weigh the advantages alongside the disadvantages for each and pair you with the right life insurance coverage. Term life insurance offers...

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