Life insurance for family

Life Insurance & Family Law Conflict - Articles, Minyard Morris Family Law

Life Insurance and Conflict in Family Law This article addresses many of the issues raised relative to life insurance in family law matters. Life insurance is not the most hotly litigated or negotiated issue in family law cases. In fact, life insurance is frequently an afterthought or a "throw away" issue. It is rarely considered significant in the divorce. Interestingly, a life insurance policy may ultimately be the most valuable asset of an estate. A more detailed understanding of the issues in this area will allow the practitioner to better protect a client's rights and expectations. In family law matters, life insurance may need to be addressed as an ASSET, a SECURITY DEVICE, a...

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Life Insurance’s Role in Family Business Planning, Wealth Management

Life insurance professionals can help drive family business succession planning action. However, determining if life insurance makes economic and planning sense takes multiple perspectives. Each advisor in a team may provide insight into the insurance decision-making process that’s both essential regarding the value of life insurance in the family’s plan, but also helpful in educating the business owner and their family. Here are some interesting uses of life insurance for family business advisory teams to consider. This is a legal agreement obligating the business entity to purchase all or part of an individual owner’s interest in the business for an agreed-on price. The...

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How Your Family History Affects Life Insurance Premiums -

Unfortunately, when you are applying for life insurance, it isn’t just your health that comes under the microscope. Your family history is also a factor. That means that even if your personal health history is flawless, you can still be charged a higher premium if a member of your direct family lineage has a history of a significant health problem. Though there’s much you can do to maintain your own good health – proper diet, regular exercise, getting adequate sleep, and regularly consulting with healthcare professionals – there isn’t anything you can do about the health of your relatives. But how much does family history affect life insurance premiums? Your...

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How Does Your Family Medical History Affect The Cost of Life Insurance?

You think you’re healthy when you begin the life insurance application form…then you reach the family history question: Have any of your parents, brothers or sisters ever had one or more of the following medical conditions at the ages specified: Family member(s) age 50 OR less (i) Breast or ovarian cancer? (ii) Multiple Sclerosis, Motor Neurone disease or Parkinson’s disease? Family member(s) age 60 OR less (iii) Bowel or colon cancer? (iv) Stroke or heart disease (for example heart attack or angina)? (vi) Muscular dystrophy of any kind? (vii) Polycystic kidney disease? (viii) Huntington’s disease or Alzheimer’s disease? (ix) Any type of cancer that has occurred in the same site...

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Life Insurance And Family History

An often overlooked piece of the underwriting puzzle for life insurance is your family history. Many clients we’ve worked with never even thought it was a concern, but it could knock you out of some discounts. When you buy life insurance and family history is something which will need to be taken into account, you should understand what will impact your final rating and premium. Even if you are perfectly healthy, you might end up with a standard rating! Keep reading if you’re interested in learning more about buying life insurance while pregnant. A family history won’t get you declined, but it may cause you to pay more in the long run. Do you have a condition called...

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Life Insurance with Family History of Cancer

Life Insurance with a Family History of Cancer It is well-known that life insurance companies look for active or previous cancer in every application they receive. Personal history of cancer is something life insurers take very seriously and can greatly affect an individual’s policy. But what about life insurance with a family history of cancer? Cancer is one of the most prolific disease states of our time. The mortality associated with it reaches far and wide. It’s very likely you know a friend or family member who has battled with cancer at some point in his life. It is estimated that 1,658,370 new cases of cancer will be diagnosed in the United States for 2015. Even more staggering is...

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No Exam Life Insurance How Your Family Medical History Affects Rates

No exam life insurance policies (and their underwriters) may still evaluate your health to determine your mortality risk when underwriting your life insurance application. If you wish to avoid a medical exam when you apply for your life insurance, read this blog to learn more about your no exam life insurance options at Quotacy and to understand how your family medical history may affect your policy’s premium cost. As they say: knowledge is power. What determines my life insurance policy cost? How high a risk you are to die while your policy is actively in force is one of the main factors that determines your cost for life insurance. Underwriters estimate your risk of death—your...

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Life Insurance: What it Really Means to Your Family

You’ve worked hard for years, have provided well for those you love, and you have big dreams for your future. Over time, with a great deal of love and care, you are crafting your legacy. But your legacy is hanging in the balance. Life Insurance in Action Consider the true experiences of two families who were touched by tragedy, and how the decision to protect the family with life insurance impacted what they were able to pass on to their family.* Jamey and his wife Robyn shared their passion for stock shows and rodeos with their daughters, Hope and Jordyn, who loved to participate in the sports. Tragically, Robyn lost her eight-year fight with breast cancer at the age of 37. In months that...

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Family insurance: Covering your kids

Sunny Iglezos was happy enough with the limited life insurance she received through work. But when her mother was diagnosed with ovarian cancer—a month before Iglezos gave birth to her first child, Lucas, now three—she decided to buy additional coverage. “The diagnosis heightened our awareness of our own mortality and how quickly things can change,” she says. “We felt the need to make sure everything was in place so our child was protected.” While no one likes to think about worst-case scenarios (especially not when you’re blissed out about the arrival of a baby), life insurance is crucial for parents of young kids, says Lorne Marr, director of new business development at LSM Insurance, an ...

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Life insurance plays central role in a family’s financial security - Freedom 55 Financial

Life is full of risks, and most we simply have to accept. But some we can do something about. Life insurance is an essential tool in protecting a family's economic well-being if a partner or parent dies. Life insurance is designed to pay loved ones a tax-free lump sum death benefit if you die. The benefit should be large enough to allow them to have the lifestyle and choices that your financial security plan set out to achieve. Personal insurance policies represent an important part of prudent financial security planning. The money from the death benefit can be used as needed. Some examples may be to help pay off debts, help ensure loved ones can afford to remain in the family home or pay...

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