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3 Tips for Buying Life Insurance for the First Time

Buying life insurance can be scary! You’ll see endless options in any insurance guide which can be dizzying. Also, you’ll be forced to think about your own death during the evaluation process which, as you can imagine, is never fun. Since this process can lead to high stress, you will want to be prepared and ready to move through it efficiently and effectively without making any errors. Once you purchase the right life insurance policy, you will feel much better about your current situation, as well as the financial safety of your family should you pass away. The 3 tips below are geared towards first-time life insurance buyers. That being said, anybody in the market for a policy...

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5 Life Events that May Mean It’s Time for a Life Insurance Review - Spicer Wealth Management

5 Life Events that May Mean It’s Time for a Life Insurance Review Life can change quickly. You can switch jobs or careers. You might get married or start a family. You may even start a business, or take over care for a parent or other loved one. When these life events happen, they may also impact your vulnerability to risk, and they may signal a need to increase your life insurance coverage. Below are five major life events that may increase your need for life insurance. If any of these sound familiar, you may want to meet with your financial professional to review your coverage. When you purchase a home, life insurance coverage isn’t just a suggestion. In some cases, it may be mandatory....

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How to Sell Life Insurance Part-Time, Career Trend

Life insurance agents help consumers protect against the financial loss to a family in the event that one or more income earners die. Most life insurance agents work on commission, meaning they are paid when premiums are collected for life insurance policies. Financial service representatives often sell life insurance as part of an entire financial plan, not exclusively. Other insurance agents sell life insurance to compliment the health, auto or home policies they are providing clients. There are many scenarios in which a person can sell life insurance as a part-time gig. Obtain a life insurance agent license through your state insurance commissioner. Each state has a different requirement...

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Time to review your universal life policy Purmort Brothers Insurance, Van Wert, Ohio

Time to review your universal life policy Review your life insurance periodically to assure you have the coverage you need. You had a plan and you did the right thing: You purchased a life insurance policy to protect your family. But things have changed since you took out that universal life insurance policy, and it may be time for you to pull your policy out of your files and review where it stands. Your universal life insurance policy (UL) is a form of permanent life insurance that also has an investment component. A portion of each premium you pay helps build a tax-deferred cash value and earns the current interest rate. When interest rates are low, your cash value may not grow and be...

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When Was The Last Time You Had Your Life Insurance Reviewed? : Cedar Point Financial Services LLC

A thorough policy review should start with a current review of the insured’s personal, financial and/or business situation. Is the policy needed for its original objective or have the insured’s needs changed? Only after the insured’s needs are determined can the policy itself be reviewed. In-force illustrations may be requested from the issuing life insurance carrier. Consider the following when reviewing the policy: Is the policy performing as expected? Has the policy experienced market volatility or decreased interest or dividend crediting rates? Has the insured’s risk tolerance changed? Has there been any change in the carrier’s financial status? Have there...

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Full-time OPSEU Benefits, Life Insurance - Human Resources - Ryerson University

When will my coverage begin? Your coverage begins on your date of hire. Can my family be insured for some benefits? No, your spouse and your children are not eligible for life insurance coverage. What is covered? If you die while your coverage is in force, your beneficiary or estate will be paid an amount equal to two times your basic annual earnings. If this amount is not already an even multiple of $1,000, the benefit amount will be rounded to the next higher $1,000. The maximum coverage is $400,000. What if my earnings change? Any change in your earnings that occurs while you are actively at work will be reflected immediately in your coverage. If you are not actively at work due to...

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Buying Life Insurance for the First Time? GordnerCoombs Insurance

Then Read These 8 Tips Maybe you just got married. Or had your first child. Or started a business. Whatever the life event is, you are now buying life insurance for the first time. And that might intimidate and confuse you a little. Help ease your mind by reading the following advice for anyone who is buying life insurance for the first time. 1. Understand who (or what) you’re protecting. Major life changes like getting married, starting a family or buying a house are often when people think about buying life insurance for the first time. While anyone experiencing a significant life event like getting married or starting a family often recognizes the need for life insurance, others may...

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What You Need to Know Before Buying Life Insurance

Dennis Brown realized the importance of life insurance after his father’s death. Following his passing, Brown—a Chicago police officer at the time—found out that his father’s life insurance policy didn’t have enough money to cover the cost of his headstone. This experience led him to pursue a career in the insurance industry in four years ago. Too often, consumers wait until it’s too late to obtain or review their life insurance coverage, leaving loved ones to pick up the pieces following their death, said Brown, a financial advisor. About 1 in 5 life insurance policyholders say they don’t think they have enough, according to the 2018 Insurance Barometer report by the financial services...

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10 Tips for Every First Time Life Insurance Policy Buyer, Planet Rating

Buying life insurance can seem like a daunting task. You need to find the right policy for your budget, for your lifestyle, and for those who will benefit from you taking out the cover. What’s more, each policy comes with its own set of terms and conditions, each one slightly different from the last. With so many different policies to choose from, it can seem like picking the right life insurance for you is like finding a needle in a haystack. On the plus side, having so much choice means you’re sure to discover the right policy for your needs. So, if you’re looking to take out your first ever policy and are in need of a helping hand, here are 10 tips to help you along the way: Some people...

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6 Tips for First-Time Life Insurance Buyers, MoneyTips

Life is good. You have a stable job, a home, and a growing family. You are managing your finances well and using credit properly. You only have one more thing to take care of – a life insurance policy so that your family is covered in the event of your death. Nobody enjoys thinking about their own death, but it's important to set up proper protection for those you leave behind. Your family will have enough issues to deal with, and financial hardship should not be among them. Most likely, you have never given life insurance a thought until now. We offer six tips to help you on your way to proper coverage. 1. Understand the Basic Policies – Insurance policies are classified as either term or...

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