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Should You Get Life Insurance for Your Kids?

Should You Get Life Insurance for Your Kids? My father was a financial planner, and he got his start by selling insurance. That meant Dad had some very strong opinions about insurance in general, and life insurance in particular. He was not shy about sharing those opinions with a captive audience — aka, his daughter. Even though I heard Dad opine (and rant!) on any number of finance-related subjects, the viewpoint that stuck with me most was Dad's stance on life insurance for children. "There is no reason whatsoever to ever buy such a product," he told me on more than one occasion. "Life insurance is for income replacement. Policies for children are morbid." While part of Dad's...

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Michigan, MI Life Insurance Agents, Janis-Shunta Insurance

Life Insurance in Michigan Life insurance is one of the most important policies in Michigan today, and rightly so because it is meant to protect your loved ones in case of your unfortunate passing. In essence, life insurance ensures that the beneficiaries of the policy lead a normal life after the death of the policyholder. Also, life insurance can be used as a savings plan depending on the coverage option you choose. What are the life insurance coverage options? Life insurance coverage options are divided into two main categories, namely whole life and term life policies. In regards to a whole life policy, the coverage matures after the passing of the policyholder. After the death of the...

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The Life Insurance Industry s Big Secret, HuffPost

How do life insurance companies make money? When I ask this question of my friends, I get a variety of interesting answers -- aside from a bunch of odd looks. One mathematically inclined acquaintance said insurance companies use complex actuarial tables which enable them to predict, very accurately, how long people will live and the insurers figure that, over time, they will collect more money than they pay out. To this answer, I nod in slight agreement. The latter part is true but not because of any actuarial brilliance. Insurance companies make money because a massive amount of all life insurance coverage lapses. (Note: In an earlier version of this post, we published a statistic...

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Term 90 Life Insurance, Starting at $2.50,Month, MBA

Term 90 Plus Life Insurance MBA Term 90 Plus term life insurance offers solid, affordable protection to active duty and retired service members, veterans, National Guard members and reservists — regardless of rank. So whether you want to add to your SGLI or are looking for an economical alternative to VGLI, MBA Term 90 Plus life insurance may be right for you. Rates start at just $2.50/month for $50,000 coverage (under age 30, non-tobacco user) Affordable alternative to VGLI and many other military associations Coverage available to non-military spouses Eligible children may be covered for up to $12,500 at no additional cost* Plans can go with you when you enter civilian life Level Term...

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The Insurance You Don t Want to Think About (But Really Should)

When you accepted your most recent job offer, you likely combed through the medical and dental benefits (and, uh, the vacation day policy) with care. But there’s another section of the benefits package—one you may have glazed right over: life insurance. No, this is not the most exciting part of your company’s benefits, or even necessarily something you want to worry about when you’re young and healthy. But being able to decode the details of your policy—and know if you need a private one, too—is more important than you think. Why You Should Care About Life Insurance—Now Most people start thinking about life insurance when they have a spouse or children who are dependent upon their income....

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When is the right time to buy life insurance?

When is the right time to buy life insurance? Intellectually, almost everyone understands the value of life insurance. Simply put, a life insurance policy is a way to look out for loved ones in the event of your death. But when is the right time – and the right way – to buy life insurance? Three out of five Americans currently own some form of life insurance, according to a recent study by the insurance education group Life Happens. And while that sounds like a large number, the non-profit group’s leader points out that coverage rates can vary greatly by age groups based on “life cycle decisions.” “When young Millenials get married and buy a home and incur a bunch of debt, then they start...

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Life Insurance - American Advantage Insurance Group

Do You Have Enough Life Insurance in New Berlin? Most people in New Berlin understand the importance of insuring their lives. When you have a family to take care of, they need to be protected in case you can no longer be there for them, and insurance is one of the best ways to do this. But how much insurance do you need and what kind of policy is in your best interests? The truth is, you have three basic options, which are whole, term, and universal life insurance, and one will be the right option for you. Let’s take a closer look at all three. Whole Life Insurance A whole life policy is designed to last for your whole or entire life. When you take out the policy, it gradually...

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Life insurance pitfalls to watch out for - Which?

If you decide you need advice, make sure you consult an independent life insurance broker. Which? Financial Services can refer you to an impartial, no-obligation third-party advice service to provide you with the best life insurance or mortgage insurance policy tailored to your individual needs. Low-start life insurance policies Watch out for 'low-start' policies. If you use a price comparison site to find life insurance, you might find these policies come out top on cost. What you might not realise, though, is that the monthly premium increases throughout the term of the policy. What may be a very cheap quote in the early years could cost you much more over the whole term of the policy...

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10 tips to get started with Life Insurance, MetLife Australia

Many people know they need life insurance, but they don’t take the next step because they’re not sure where to start. Here’s what you need to know. 1. If you have dependants — consider life insurance The primary purpose of life insurance is to protect the financial security of your family if you were to die, become terminally ill or permanently disabled – and therefore no longer able to earn an income to provide for them. So if you have children or other loved ones who depend on you financially, you should consider life insurance. That way, you can help ensure they can keep the lifestyle they would have if you were still earning an income. 2. Working out how much you need If you want to...

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4 Life Insurance Startups Asking Millennials To Face Their Mortality

A batch of young companies wants to take a bite out of that market, and potentially grow it. With backing from some of the insurance giants, they are reinventing life insurance in the same way that robo-advisors have reinvented wealth management, by replacing human agents with an online experience. And as millennials start families, they see an opportunity to capture a new generation of consumers and form lucrative, lifelong financial relationships. Most of these new players are focused on term life insurance, which is cheaper (and simpler) than whole life insurance, doesn’t accumulate cash value, and lasts for a fixed term (10, 20, or 30 years, for example). Term life...

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