Why life insurance

Why Life Insurance is Still Important for the 50+ - Moser Group Insurance

Why Life Insurance is Still Important for the 50+ Find out why life insurance is still an asset for those over 50. If you are over 50 and our children are out of the house and you no longer have any long standing financial obligations, then you might think that life insurance is no longer worth it for you. However, before you cancel your policy, consider these reasons why life insurance is still important for you. While you might not have any dependents or remaining financial obligations, there’s a chance that your circumstances might change. For instance, you could become legal guardian to your grandchildren. If this happened, you would need life insurance to provide for them in case...

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6 Reasons Why You Should Have a Life Insurance Policy

No one plans to die unexpectedly which is precisely why everyone should have a life insurance policy. Unlike auto insurance, life insurance isn’t mandatory. The right policy, however, can significantly take the strain off your sudden death. The financial contributions that you once made to support your family are replaced by the money set aside by the life insurance that you chose to buy. Reasons to Purchase a Life Insurance Policy Here are six reasons why you should have a life insurance policy: To cover funeral and burial or cremation costs. Final expenses are costly. Rather than leave a family member stuck footing the bill, your life insurance policy pays the debt. It can help with...

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Why Life Insurance Should Matter To You,

Why life insurance should matter to you On many days, we may feel immortal — although never, of course, on Monday mornings. But the unpleasant reality is that all of us will die someday. Purchasing life insurance is among the best ways to provide for our families after we are gone. Knowing why you want to purchase life insurance can help you determine how best to do so, says Lisa Gardner, resident expert on insurance and associate professor of statistics at Drake University in Des Moines, Iowa. Life insurance is a product that sometimes confuses and intimidates people. In a nutshell, who needs this insurance, and who does not? All life insurance policies provide a death benefit, which is...

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Tracking Down and Collecting Unclaimed Life Insurance - The New York Times

Angelo Karamitos, a general manager for a vending company in Racine, Wis., said that when his mother died, he found a safe-deposit box and a life insurance policy he did not know existed. Credit Darren Hauck for The New York Times THE most basic purpose of having a life insurance policy is to provide some assistance for loved ones when you die. Wealthier people sometimes use life insurance for estate planning, while most people expect the policies on which they have paid premiums for decades to help their heirs get by — or at the least cover funeral expenses. Yet hundreds of millions of dollars in life insurance goes unclaimed each year for one simple reason: the beneficiaries do not know...

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Reasons Why Your Life Insurance Claim Might be Denied - Life Ant

The death of a loved one is hard enough, but finding out that a life insurance claim was denied can make the loss even harder. While there’s no amount of money that can ever replace the one you lost, it can certainly help to ease your worry – especially if you are financially dependent on him or her. While most people assume that life insurance is a guaranteed protection, claims can be denied. If you’ve recently lost a loved one and filed a life insurance claim, only to find that it was denied, it can certainly be unnerving. You think to yourself, “How could this happen?” and “Does the insurance provider have the right to deny the claim?” Can Life Insurance Companies Deny Your Claim? While...

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Q A: Why life insurance and lawsuits might be the next big things for PE, Eaton Partners Fund Placement Advisory

Peter Martenson is partner and head of global distribution at Eaton Partners, one of the oldest placement agents in the market. Eaton Partners, a Stifel Company, advises on fundraises across several asset classes, including private equity, credit, real assets and hedge funds, among others.. We spoke to Peter about two relatively new asset classes that are gaining traction in today’s PE market: life settlements and litigation finance. Life settlement investments involve buying life insurance policies from their owners in exchange for lump-sum payments; litigation finance allows third-party investors to financially support lawsuit plaintiffs in exchange for a portion of any monetary...

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Why the future of life insurance may depend on your online presence - The Verge

“Don’t post photos of yourself smoking on social-media sites. Do post photos of yourself running.” These two suggestions appear in a recent Wall Street Journal article about New York state’s new rules for how life insurance companies can use public data to help set premiums. Such tips — under the heading “what you pay for life insurance could depend on your next Instagram post” — seem ominous, portending a surveilled future where tweeting about rock climbing could hurt your wallet and services exist to curate photos that appeal to insurance companies. In reality, it has long been the case that what you pay for life insurance could at least be affected by your next Instagram post. It is...

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Why you need life insurance, Principal

Would your family be financially secure without your income? Could you use another way to save for retirement? Good questions. You can help make the road to financial security smoother, but the journey may begin with a conversation not many people want to have. Life insurance protects the ones who depend on you. You may think life insurance is something you’ll get “later.” Like when you’re older. Or when you buy a house, or have a couple of kids. But it’s never too early to have a plan in place for your future. Life insurance helps protect those who depend on you. Here’s how: They could continue their lifestyle, even though your income is no longer available. Your children’s college...

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Variable Life Insurance,

What Is Variable Life Insurance? A variable life insurance policy is a contract between you and an insurance company. It is intended to meet certain insurance needs, investment goals, and tax planning objectives. It is a policy that pays a specified amount to your family or others (your beneficiaries) upon your death. It also has a cash value that varies according to the amount of premiums you pay, the policy’s fees and expenses, and the performance of a menu of investment options—typically mutual funds—offered under the policy. What Should I Do Before I Invest In A Variable Life Insurance Policy? Know how it works. Look up key terms you might not be familiar with. Be prepared to...

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Why Life Insurance and Health Insurance go hand-in-hand, IFFCO Tokio General Insurance Company in India

Why Life Insurance and Health Insurance go hand-in-hand A very common occurrence that has been noted to be taking place these days is that people have begun considering health insurance as an alternative to life insurance. The main reason behind such a move seems to be a simple lack of knowledge about the fact that a life cover and a health insurance are not alternatives to each other. The two insurance policies are in fact supposed to complement one another. Another reason is that there is an abundance of insurances available, which makes it rather easy to get confused about the various types of covers. There is life insurance, which has its own types like endowment and term, and then...

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