Best place to buy life insurance

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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Is Life Insurance a Good Investment?

Is Life Insurance a Good Investment? Is purchasing a life insurance policy a good idea for you? The short answer is it depends on your situation. Let’s begin by understanding what life insurance is. In its simplest form, you pay premiums to the life insurance company and it pays money to your estate or your beneficiary upon your death. But let’s be clear: On average, your estate would be worth more, if, rather than buying life insurance you wisely invested the money you would have spent on premiums. If this were not true, the insurance companies would be bankrupt and they most assuredly are not. Indeed, life insurance policies are very profitable for the companies. Think about...

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The Best Type Of Life Insurance For You Right Now

Many people don't understand why they need life insurance, when they should buy it or what type of policy would best meet their needs. In this article, we'll describe what type of life insurance will probably make the most sense for you at major milestones in your life. Term Vs. Permanent Life Insurance Term life insurance provides a predetermined death benefit and covers you for a predetermined number of years, usually five to 30. The annual premiums are fixed and are based on your health and life expectancy at the time you apply for the policy. Permanent life insurance combines a death benefit with a savings or investment account. The policy covers you for as long as you're alive, even...

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The Best Time to Buy Life Insurance Is When You are... Peachtree Insurance Advisors

I recently read an article in USA Today on the subject of the best time to buy life insurance. Most of the advice was the standard, common-sense variety, so I thought I would expand on this topic and share some helpful tips for people searching for advice. Is there a “right” time or a “best” time to purchase life insurance? This question will be answered and some money-saving, not-so-standard advice will follow. See the HELPFUL TIPS section below to find out when it actually saves you money to wait longer to buy life insurance. For Instant Term and “ Term for Life ” Quotes, Please Use the Quote Engine on this Page. The article in USA Today focused...

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