Why life insurance

Life Insurance, Office of Human Resources

Life insurance protects your family from a loss of income in the event of your death. If you die, the named beneficiary (the person you designate as the receiver of the benefits) will get a sum of money. The actual amount varies based on how much you earn at the University. Basic Life Insurance There are several life insurance options available to University employees, but it’s important to know that all full-time, benefits-eligible employees are automatically signed up for Basic Life Insurance, regardless of health history, when they enroll in a medical plan option. Part-time employees (50% to 74% time) are eligible for Basic Life Insurance, but need to enroll and pay a premium....

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Life Insurance Woman s Life Insurance Society

Life Insurance What exactly is insurance? All forms of insurance protect an asset - something valuable - from the possibility of loss. Some types of insurance, such as auto or homeowners policies, provide protection from a loss that may never occur. If a loss occurs, benefits are usually paid to the policy owner. These types of insurance may be required by government in order to legally drive or by banking institutions in order to obtain a mortgage loan. Even if not required, it makes sense to most people to pay a small amount every year in the form of premiums in order to cover the possibility that they may incur a very large financial loss sometime in the future. People pay premiums for...

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5 Important Reasons Why You Need Life Insurance, Payoff Life

Insurance can be confusing and it’s hard to know what you really need or want. But here are five very good reasons why you need life insurance. As we grow older, get married, build families and start businesses, we come to realize more and more that life insurance is a fundamental part of having a sound financial plan. Depending on your type of policy, life insurance is fairly cheap, which means there’s no excuse not to get coverage now. Plus, over the years, you’ll find comfort in knowing money will be available to protect your loved ones in the event of your passing. Here are a few other reasons why having life insurance is important. To Protect Your Family and Loved...

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Life Insurance Consulting at BCG

The life insurance industry faces permanent disruption from a number of new and ongoing challenges. These include a structural decline in the attractiveness and profitability of traditional life insurance products, new regulatory rules and restrictions, intense competition from alternative suppliers, and the digitization of the marketplace—all of which are driving new customer expectations. To adapt and prosper, life insurers must maximize cash generation from declining parts of their business and reinvest that capital into specific, significant opportunities for growth. BCG has identified four winning business models—each based on a core industry capability—that allow life insurers to...

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Why Life Insurance:, Lake Advisory Group

Why Life Insurance: The main reason for buying life insurance is to provide a death benefit for your loved ones. But it can also help supplement the cost of your grandchildren’s education. Life insurance could be the ultimate gift to your children and grandchildren. Life insurance can provide the reassurance that your loved ones will be protected, should the unexpected occur. And it can benefit your loved ones in other ways, too. Using life insurance to help fund a grandchild’s college education offers many advantages. There are no complex eligibility requirements, no qualified education costs, and no income limits to consider. Plus, a policy loan generally won’t affect...

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Why Life Insurance with Long Term Care Rider May Be a Better Alternative for Your Clients than Standalone LTC Insurance

Why Life Insurance with Long Term Care Rider May Be a Better Alternative for Your Clients than Standalone LTC Insurance Life insurance with long term care rider provides cost effective coverage for long term care, and more Life expectancy in the US increases every year; as people live longer lives, you know that some type of long term care insurance is a good value for many if not most of your clients. Many will certainly need long term care at some point, and the cost of this type of care will only go up as time goes on. That said, you also know that there are drawbacks to the typical standalone long term care insurance policy – drawbacks that vanish when you offer clients life...

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Six reasons to buy life insurance.

Protect the ones you love. You buy life insurance because it is the best way to protect your loved ones. It is a financial decision…kind of. It is an emotional decision…sort of. It is about love and caring and the future…most definitely. Still, millions of people buy life insurance every year for reasons that are often difficult to express. At the same time, the reasons are simple and obvious. That’s the thing about life insurance. The idea may be simple, but the reasons behind it cut deep, to our very core—almost to an instinctive level. At the heart of it, if you are like most people, you buy life insurance for six very good reasons. Life insurance is about taking care of loved ones. It...

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Why Life Insurance is a Good Investment, Concord Wealth Management

Why Life Insurance is a Good Investment When you hear the term life insurance, is the first thing that comes to mind the employer-provided policy you have through work that provides some multiple of your salary if you should die while employed there? That is indeed one type of life insurance. However, there are other types of life insurance products and strategies that provide more versatile and enhanced benefits. Read on to learn three different perspectives of why life insurance is a good investment strategy. High income earners are phased out of many tax savings strategies, such as Roth IRAs. Life insurance remains an excellent option for many people to accumulate money on a tax-deferred...

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Why Life Insurance Is NOT A Careless Investment - Nexus, Nexus

We are constantly met with a negative image when it comes to life insurance. We feel like it is going to be a waste of money and that it is rather unnecessary as we can’t really predict when we will leave this world for good. However, the reality of the present day is that life is quite uncertain and life insurance is a scheme that you could take out in the best interest of your loved ones and those who depend on you, to ensure that they have a life that is free of financial crisis, if you were ever unable to provide for them. Any debts that your family may have to pay, which include mortgages on the house, any loans that you’ve taken out could all be settled if you have a life...

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Why Life Insurance is Important for your Estate Planning?

Why Life Insurance is Important for your Estate Planning? Life insurance is an important part of estate planning. What is life insurance? In general, life insurance is a contract agreement between you and an insurance company. In exchange for monthly payments, the company provides a lump sum payment to the beneficiaries upon the death of the insurer. There are two main types of life insurance, term life insurance and whole life insurance. Insurance is usually chosen based on the owners goals, needs and preferences. Term life insurance provides protection for a period of time, such as 10, 20 or 30 years and is usually less costly than whole life insurance. This life insurance is most likely...

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