Best place to buy life insurance

Five Reasons To Buy Life Insurance Before You Turn 30

Let’s face it. Death never comes informed. It’s unexpected, especially if you’re in your 20s. As a responsible adult, you will have a family that is completely dependent on you. It’s your duty to ensure that they are protected in case an unexpected event happens to you. LIMRA, a financial research and consulting service firm, conducted a survey and found that three out of 10 Americans in their 20’s are not insured sufficiently. Here are some reasons why you need proper life insurance coverage as soon as possible: 1. Your work insurance is insufficient The U.S. Bureau of Labor revealed that three out of ten full-time employees are offered life insurance coverage by their employers. However,...

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Do I Need Life Insurance? Choosing the Best Insurance For You

You cherish the moments you spend with your family. Every birthday and holiday get-together reminds you of what’s really important in life. These special times are what your family may remember about your life together after you’re gone. So when asking yourself “do I need life insurance,” think about the legacy you want to leave behind. Think about helping to provide your family with financial security for many years to come. Why Do I Need Life Insurance? The value you provide to your loved ones can never be replaced. You are the heartbeat of the family who keeps things going. But life can be unpredictable. We all want to live to a ripe old age, but sometimes, we pass on too soon. In the...

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Life Insurance For Siblings: How Can I Get A Brother Or Sister Covered? Buy Life Insurance For Burial

Life Insurance For Siblings [Rates & Companies Revealed] Looking for a quote for life insurance or burial insurance? Click here and send me a message with details of what you’re wanting to accomplish. If you’d prefer to talk live, call 888-626-0439 to speak with me directly. Are you interested in getting life insurance on a brother or sister? Do you wonder what the process is for applying and getting approval for life insurance or burial insurance on your sibling? If so, you’re at the right website! How to get life or burial insurance on your siblings NOTE: Would you prefer me to present this information to you in video format? Watch the video below for the complete...

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Should I Buy Life Insurance Before I Turn 50?

Age 50 is a major milestone. Each month we receive dozens of phone calls from clients nearing their 50 birthday. Some are embracing a coming of age, while others are fighting a mid-life crisis—what they all have in common, though, is a realization of mortality and the need for life insurance. If you’ve found this article, you’re likely in this group. Having been there myself a few years back, I know all too well how insurance companies treat us “mid-lifers.” It’s an industry standard for life insurance rates to jump after age 50. But my Farmers Insurance agent, who had handled my homeowners insurance for years, told me they wouldn’t even accept an application for a male over 50. Ouch! The...

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5 Reasons a New Dentist Should Buy Term, and Not Whole Life Insurance - Practice Financial Group

Life insurance is a crucial topic for new dentists to get right. After such an enormous investment of time, money, energy and effort in school, should the unthinkable happen you want your family and/or loved ones to be taken care of. (You? Peacefully in your sleep, of course. Me? Wingsuit skydiving, probably!) You want to be able to replace your income if you’re not around to provide. I can hear the whole life insurance zealots now, “Whole life offers great returns!” and “It’s much safer than the stock market!” I’ve heard it all before. Every time I sit and analyze a client’s whole life policy they’ve been paying on for a number of years, what they were told they would have in their account...

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Is There a Best Time to Buy Life Insurance?

This question may seem difficult, but the answer is simple. Are you in a situation where your death could impose a financial hardship on others? If the answer is yes, then it’s time to buy life insurance. We all have different events throughout life that could make us reconsider about what’s important. It’s a good idea to start with coverage that fits your current needs. You can increase the benefit later as life changes and you have more on the line. Following are a few situations to consider: You are married, or soon to be Now that there are two of you in the picture, it’s important to begin thinking about long-term financial security. If one of you were no longer around, would the...

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How Much Life Insurance for My Grandchildren Should I Buy?

As a grandparent, you love your grandchildren as much as you love your own children. Knowing that they will be supported beyond the years that you are alive is a happy and rewarding thought. You may have decided the best way to ensure this happens is to purchase a life insurance policy for them. But you may be struggling with the question, “How much life insurance for my grandchildren should I buy?” Below we highlight some insurance basics that should help you answer that question. What Is Child Life Insurance? Child life insurance is a protection offered through insurance companies in exchange for paid premiums. A cash benefit is paid to the policy’s beneficiary in the event of the insured...

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What to Know Before Buying Life Insurance in Canada - Juniper Life Insurance

Buying life insurance is an important decision that will affect your entire life. Before signing up, do your due diligence and ask yourself these questions: Some common reasons include: Income replacement: If your family relies on your earnings, life insurance can pay a lump sum or steady income to your spouse and dependents should you pass on. Child care and education: This includes daycare, tuition, and post-secondary school fees. Repayment of debts: The most common debt is your mortgage. Ensure your family can pay off your home even when you’re not around. Funeral expenses and estate fees: Funerals cost thousands of dollars and estate costs (such as probate and executor fees) can add...

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Mortgage Life Insurance vs. Term Life Insurance Cost, Benefits, Exclusions

Let’s take a look at mortgage life insurance vs. term life insurance along with the cost, benefits, and exclusions associated with each, and help determine which one is the better deal for you, the consumer. Quick Article Guide: Which is Right for Me? Mortgage Life Insurance or Term? Life insurance for a specific purpose (i.e. to cover a mortgage) is comparatively easy to figure out. If you have a 30-year mortgage and owe $200,000…voila, you know your amount (policy “face value”) of coverage you need and length of time (“term” in life insurance jargon). You should quickly focus on comparing the cost/benefits of term life insurance vs. mortgage life insurance offered by your lender....

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Banks sell mortgage insurance, but independent experts say you shouldn t buy it - National,

Banks sell mortgage insurance, but independent experts say you shouldn’t buy it Personal finance experts are a pretty soft-spoken bunch. It isn’t often that they say they would “never ever” advise buying a certain financial product. But that is exactly what they generally say when asked about mortgage protection insurance, according to Anne Marie Thomas of InsuranceHotline.com, an insurance comparisons site. Mortgage protection insurance isn’t the mortgage insurance most Canadians are familiar with, the one you need to buy, generally from the Canada Mortgage and Housing Corp. (CMHC), when your down payment is less than 20 per cent of the value of your home....

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