Life insurance for family

Life Insurance - Family First Direct Insurance

This type of protection pays out a lump sum which is fixed from the start of the policy. If you died within the length of time the policy was taken out for, you would receive the amount from the outset. For example; a term assurance policy was taken out for £200,000 for 20 years, if you died within the 20 years from the start date of your policy, your family would receive one full, tax-free pay out of £200,000. This policy is designed on the ‘interest-only’ mortgage principle. This means the balance of the mortgage remains the same for a fixed term. Our advice to you is to protect the entire mortgage balance for the time that the policy has left to run. This ensures that if the worst does...

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The Advantages of Life Insurance for Young Families, Quotacy

When it comes to life changing events, starting a family can be one of the most eye-opening experiences for young adults. It’s also a great time to re-evaluate your priorities and decide what’s most important for the future wellbeing of your loved ones. No longer are you the only person to account for. Your spouse and children become the center of your existence and you want to do anything you can to make sure they are protected and cared for. Most of us have the same goal our parents did, which is to give our children and spouse a sense of security and the best life we can. The best way to accomplish this is to start planning as soon as you can for future events and possibilities. As...

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Life Insurance Riders - Get More for Your Family - WoodmenLife : WoodmenLife

Life Insurance Riders – Get More for Your Family Are you a parent or grandparent looking to purchase life insurance for a young member of your family? WoodmenLife offers many products that give you the opportunity to personalize the coverage with life insurance riders, or additional insurance at an added cost. gives the insured individual the ability to purchase additional insurance coverage in the future without a medical exam or proof of insurability. These purchases may take place at specific ages or when certain life events occur, such as marriage and the birth or adoption of a child. Available with all permanent life insurance products (except No Lapse Guaranteed Universal Life...

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Importance of Life Insurance in Family Law - Rubach Wealth

Families typically consider life insurance policies as a forward looking estate planning tool, which it certainly is. However, in case of the unfortunate life event such as a separation or divorce, life insurance can also play a vital role from a context of family law. For separated spouses, life insurance is most commonly used as security for a child and/or spousal support obligation that may be owed at the time of their death. Similarly to property insurance, that is obtained as security in the event of any potential theft, fire, or damage to our homes, life insurance is obtained in the event of a spouse or parent’s death. It can provide security to ensure that the other spouse and the...

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Life Insurance for Young Families - Budget Direct

Having a family is a life-changing experience, with lots of new responsibilities and priorities to go with the joys and adventures that come with growing together as a family unit. Young families – planning for the future At this life stage (mid-30s to mid-40s, with children) it’s all happening: your family is well established, your mortgage is substantial (but hopefully diminishing) and there are plenty of everyday expenses to manage to keep it all going. It’s an amazing time of life - but a financially tough one, with one partner normally needing to cut back on employment to look after the young ones at home. When it comes to protecting yourself and your loved ones, this is a critical...

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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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