Purchase life insurance

First-Timer Tips for Purchasing Life Insurance - Sugar Sands Insurance

Many people finally make the realization that they need life insurance after a big change or event: a new spouse, a new child, a new business, or even the loss of a loved one. Yet unlike auto insurance or home owners insurance, many people have no idea what to expect when looking for a life insurance policy. Here are a few quick tips to get you started on your search for the peace of mind that comes with insurance. Understand why you need life insurance. Most people purchase a life insurance policy as a way to continue to provide for their dependents after they’re gone. In the event of your death, your policy can help cover expenses for mortgage payments, college tuition, and other...

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A physician s guide to life insurance

A physician’s guide to life insurance Life insurance is one of the key foundations of a good financial plan. In this article, we will discuss the basics of life insurance. While you might feel invincible and 100% healthy, as physicians we all know patients or colleagues who were diagnosed with terminal cancer or died suddenly because of an accident or health condition. If someone is dependent on your income (usually your spouse or children), then life insurance can help provide for them financially if you were to die unexpectedly. Not everyone needs life insurance. If no one depends on your income, then there is no need for you to purchase life insurance. Similarly, if no one actually...

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Why Purchase Life Insurance? - CFP® in Punta Gorda, Florida

We’ve all heard about the importance of having life insurance, but is it really necessary? Usually, the answer is “yes,” but it depends on your specific situation. If you have a family who relies on your income, then it is imperative to have life insurance protection. If you’re single and have no major assets to protect, then you may not need coverage. In the event of your untimely death, your beneficiaries can use funds from a life insurance policy for funeral and burial expenses, probate, estate taxes, day care, and any number of everyday expenses. Funds can be used to pay for your children’s education and take care of debts or a mortgage that hasn’t been paid off. Life insurance funds...

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Tips for Buying Life Insurance - Hurley Insurance

Life Insurance Buying Tips Life insurance can be scary. It’s also a topic that makes some people very uncomfortable, since one of the main topics of discussion is your own death. Further, few of us ever purchase life insurance more than a couple times in our lifetime, so the wording and language can seem a little foreign. To get the conversation started and make you feel a little more comfortable with the idea of purchasing life insurance, we’ve put together a few tips. What Type of Life Insurance to Buy? There are two main types of life insurance: term life and whole life. Each type has a number of different policy options. There are also policies called universal life and...

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Article: Why Purchase Life Insurance : Why Purchase Life Insurance

Why Purchase Life Insurance? We’ve all heard about the importance of having life insurance, but is it really necessary? Usually, the answer is “yes,” but it depends on your specific situation. If you have a family who relies on your income, then it is imperative to have life insurance protection. If you’re single and have no major assets to protect, then you may not need coverage. In the event of your untimely death, your beneficiaries can use funds from a life insurance policy for funeral and burial expenses, probate, estate taxes, day care, and any number of everyday expenses. Funds can be used to pay for your children’s education and take care of debts or a...

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How to Purchase Life Insurance, Financial Design Group

You are here How to Purchase Life Insurance How to Purchase Life Insurance Submitted by Financial Design Group on November 29th, 2017 Life insurance plays a crucial role in securing the financial future of a family. And, while the decision to buy a policy is an easy one, purchasing one can be vexing due to the overwhelming number of choices available. With hundreds of life insurance companies offering thousands of different products, the task of selecting the right policy for you is a daunting one. Too many choices often lead to confusion and the fear of making the wrong decision, which is one of the reasons why people procrastinate. As with any decision that involves a lot of choices, the...

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When is the best time to purchase life insurance?,

Even the wealthiest people typically have substantial life insurance so that their heirs can gain access to immediate financial support, without adding to the tax burden. For others who may not be wealthy, having the knowledge that they are not leaving their loved ones in a difficult financial position is the inspiration for putting term life insurance in place. Unfortunately, as we age, our access to low cost term life insurance diminishes, particularly if there are any health issues. In fact, most underwriting companies deny term life insurance coverage to those over 75 years of age, even for applicants who are in good general health. At Family Source Insurance, we speak to many people...

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Buy Life Insurance - Understanding Life Insurance - Aegon Life

Buy Life Insurance There is a reason why people get turned off by life insurance-related information. It can be pretty confusing, in no small part due to the various jargons used. Yet, buying life insurance is important—it ensures financial stability for your loved ones after your demise and is an important part of financial planning. To make the process of buying sufficient cover easier for you, we’ve prepared a checklist you must keep handy when you go hunting for the perfect policy to purchase: Are there people in your life whom you care about and support financially? If you answered ‘yes’, then you definitely need life insurance. Even if you do not have any dependants, life insurance...

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Life Insurance Inheritance Life Insurance Beneficiary Designation

Purchasing Life Insurance to Leave an Inheritance – Tips & Advice One of the most common reasons people purchase life insurance is to leave an inheritance behind for their loved ones. This money is often set aside to cover expenses like college tuition or buying a first home later in life. In this article, we’ve explained the types of life insurance you should always avoid purchasing if your primary goal is to leave an inheritance behind to your loved ones. We’ve also provided some sample quotes for lifetime or permanent life insurance coverage to help you select the best policy for your budget and needs. Quick Article Guide: Types of Life Insurance to Avoid if You Want to Leave...

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When am i Too Old to Buy Life Insurance?

When am i Too Old to Buy Life Insurance? While most life insurance companies would stipulate an Age Limit on life insurance at 55 – 65, there are life insurance policies that can be bought up until the age of 85. Life insurance is all about securing your future and ensuring that you bequeath tangible value to your kith and kin after your lifetime. And the need for life insurance, in general, takes higher priority as people age,since it is a normal tendency to overlook negative prospects when people are young and healthy-it is only with time that the age factor creeps in, making people take serious note of life insurance policy. But, as people age,the question arises as to what is the...

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