Where to purchase life insurance

Life Insurance

For millions of Americans, life insurance means protection against financial need. Life insurance can provide support for a family in the event of a father's or a mother's death, funds to meet the cost of educating children, and/or added income for retirement years since savings, social security and employment pensions are not sufficient for most people. Because there are so many kinds of life insurance policies with different protections and benefits, terms and conditions, the subject can seem complicated and confusing to prospective insurance buyers. The purpose of this booklet is to give you, the consumer, a basic understanding of life insurance and to provide guidelines for planning...

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Life Settlements - Investment Alternative - Reliant Life Shares, LLC

An Introduction to Life Settlements A life settlement is the purchase of an existing life insurance policy, by a third-party investor, for more than the cash surrender value of the policy. Originally designed for institutional and corporate investors, the life settlement market is now available to qualified individuals. Life settlements have no correlation to stock or financial markets, oil prices, interest rates, or traditional investment classes. Investing in life settlements can offer outstanding returns while minimizing risk. Life settlements evolved in the United States during the late 1990s, and experts estimate the market to grow to between $100 and $160 billion over the next two...

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Options for Selling a Life Insurance Policy, Trusted Choice

You may have heard that selling a life insurance policy is a good way to get cash for your retirement, medical bills, or long-term care expenses. It may seem like a relatively easy way to get the cash you need quickly, but this is not always the case. The truth is that selling a life insurance policy might be a viable alternative in some specific situations, and even then it is a complex decision that should not be taken lightly. If you are thinking about selling your life insurance policy, you first need to understand how it works, who can help you, and what the consequences are. You should be sure that you cannot continue to pay for your life insurance policy, or that you no longer have a...

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How Should I Organize And Store My Life Insurance Records?, III

The last thing you want to happen after you die is for your beneficiaries to be unable to locate and submit a claim on your life insurance. To prevent this, you should have copies of your life insurance records in at least two places. This is to make it less likely that you’ll lose them (to fire, flood, accidental discarding, etc.) and more likely that, after your death, your beneficiaries will find them. What information should I keep? For each individual life insurance policy on your life, you should record the following information: The full name of the life insurance company that issued the policy The city and state of the home office of the company that issued the policy The name and...

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Selling Your Life Insurance Policy Can Give You Cash

Can I sell my life insurance policy for cash? This is the question you might ask if you have a life insurance policy that you no longer need or can’t afford. You may think that stopping payments for the policy or surrendering it are the only options that you’re left with. However, that’s not the case; there are other options as well, like selling your life insurance policy for cash. "80% of the Life insurance policies having the face value of more than $100 billion are lapsed or are surrendered by the people every year in the US." There are chances that you would have heard people selling their life insurance policies in exchange for cash. This might get you thinking that it’s an easy way...

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8 Situations Where You Should Buy Life Insurance

8 Situations Where You Should Buy Life Insurance If you think life insurance is only for wealthy people, you’re in for a big surprise. Life insurance is so important because it protects people who depend on you financially, if you die. It pays one or more beneficiaries as soon as you pass away so that they can pay expenses and replace your lost income. One of the top reasons people who need life insurance don’t buy it is because they think they can’t afford it. But here’s the rub: studies show that consumers actually overestimate how much they believe life insurance costs—by as much as three times! Did you know that if you’re in your 30s or 40s, you can...

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Where Is The Cheapest Place To Buy IUL? - Ogletree Financial - Life Insurance Brokerage

Where is the cheapest place to buy IUL? I get this question from time to time when working with my clients. The answer may surprise you. Sometimes the cheapest policy may not be the best. Sometimes policy with more expenses performs better than a cheap indexed universal life insurance policy . If you consider the premiums you pay into the policy versus the income you can generate plus the death benefit that will be paid to your beneficiaries, an IUL policy really is cheap. We are farmers planting seeds for trees that will not be harvested for many years. Now where can you find the cheapest policy? Well, there are currently about 40 companies that sell indexed universal life insurance...

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