Learn about life insurance

Learn More About Group Life Insurance, AIG Direct - Blog

For many people, the benefits provided by their employer can be nearly as important as their wages. Aside from vacation and sick time, many full-time employees are also able to take advantage of a 401(k) match or pension, health, dental and vision care, and maybe even a few employee discount opportunities. Another common benefit employees may partake in is employer-paid life insurance, or group life insurance. So What is Group Life Insurance? Group life insurance is one type of life insurance where a single agreement, or contract, covers an entire group of people, like the employees of a company. Typically with an employer-paid life insurance policy, the owner of the life insurance policy...

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Whole Life Insurance- What You Need To Know

Whole Life Insurance (WL), along with its cousins Variable Life Insurance (VL) and various types of Universal Life Insurance (UL) including Variable Universal Life (VUL) and Index Universal Life (IUL), are frequently sold inappropriately to doctors and other high income professionals. In today’s post, we’re going to answer the Top 10 Questions About Whole Life Insurance These are questions I get by email, by blog post comment, on the WCI Forum, and in real life. It will also summarize the many posts on the subject that I have done over the years. # 1 Should I Buy Whole Life Insurance? Probably not. WL does four things: WL provides a death benefit in case you die while someone...

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White Paper: Everything Charities Need to Know About Life Insurance Gifts, Planned Giving Design Center

White Paper: Everything Charities Need to Know About Life Insurance Gifts Richard M. Weber, MBA, CLU, AEP® President, The Ethical Edge, Inc. Founding Principal, Two Hawks Consulting, LLC Purpose of this paper: Life insurance is often proposed as an appropriate gifting vehicle for charity. Some of the time it is the gift of an existing policy or policies that are offered directly by a donor. At other times charities are ideal prospects for agents seeking to promote life insurance policies that may add value to a charity’s or foundation’s investment portfolio, and which may also provides substantial financial motivation to the agent. This paper seeks to describe the legitimate attributes of...

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Life Insurance and 5 Things You Need to Know

En español | You already know that life insurance can provide a financial payout upon your death to your children, grandchildren and other loved ones. But did you also know that permanent life insurance offers a slew of other benefits and creative features that can help you and your family members while you're still alive? These perks come at a price, of course. Depending on the type of permanent insurance, premiums can be five to 12 times more expensive than term insurance, which covers you for a specific period of, say, 20 years, according to NerdWallet, a financial website. For many consumers needing insurance to pay off the mortgage or replace a salary should they die, a term policy...

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Life Insurance Myths, Term Life Insurance, BMO Learning Center

Do you consider yourself well-versed in all matters life insurance, or have you avoided the topic altogether? If so, you're not alone. In fact, just 16 per cent of surveyed Canadians feel like they have a strong understanding of how life insurance works . What's worse, there are several myths floating out there that people believe to be true. We're setting the record straight by debunking six key myths. Myth No. 1: Life insurance is too complicated. Thinking of the future ― in particular your own death ― can be depressing. On top of that, the various types of life insurance may seem confusing. Again, you're not alone in this: A whopping 88 per cent of surveyed Canadians aren't familiar with...

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Learn About Life Insurance , GYST

Life insurance: Everyone should have it. Insurance provides protection. It helps manage financial risk and creates a safety-net. We all die; life insurance leaves resources for those dealing with the aftermath of our departure. And while you’re planning your exit, take time for the present, too. We’ve included some common sense steps – a sort of DIY insurance – that will help you enjoy your life. Term or whole life insurance: What’s the difference? Whole life insurance combines life coverage with an investment fund. This policy pays a stated, fixed amount on your death. The value of the policy builds -- tax-deferred -- each year that you keep the policy. You...

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Why you Need Life Insurance When Buying a Home - Indie Learn

Why you Need Life Insurance When Buying a Home It’s said that buying a house is one of the most stressful life events, and if you’ve recently entered the property market, you’re probably vigorously nodding your head. It’s said that buying a house is one of the most stressful life events, and if you’ve recently entered the property market, you’re probably vigorously nodding your head. Other than the dodgy seller and the ruthless agent, there’s another potential obstacle to your white-picket-fence of homeowner bliss that’s lurking in the neighbourhood. It may surprise you to learn that, if you have a home loan and something bad happens to you, you could lose your home. If you can no longer...

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Learn Permanent Life Insurance 101 with these FAQs, Trusted Choice

Is Permanent Life Insurance? Does Permanent Life Insurance Cover? Does Permanent Life Insurance Work? Much Does Permanent Life Insurance Cost? Permanent Life Insurance Taxable? to Buy Permanent Life Insurance to Get Permanent Life Insurance Permanent Life Insurance an Asset? Is Permanent Life Insurance Important? Permanent life insurance is a form of life insurance that covers you for life and offers your family protection from financial hardship. Additionally, a permanent life insurance policy has a cash value accumulation feature that grows steadily over time. In some cases, you can borrow or withdraw a portion of the cash value and use those funds for living expenses or to pay...

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Life Insurance: understanding the basics and things to consider - NAB

To protect your family and loved ones If your loved ones depend on your financial support, then you should consider life insurance. It’s especially important if you have young children, or a partner or adult children who couldn’t maintain their standard of living without your income. To leave an inheritance Even if you don’t have any other assets, you can create an inheritance for your dependants, by buying a life insurance policy. You simply name them as beneficiaries in the policy. To pay off debts and other expenses It’s not just about providing income to your family to cover their everyday expenses. Life insurance policies will cover outstanding debts like: mortgages, car loans,...

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Life Insurance Basics

Life insurance basics By | Last updated: July 13, 2017 Many of us buy life insurance because we want to make sure that our loved ones remain financially secure after we die. Income replacement is the primary reason people buy life insurance. Why do you need life insurance? Non-earning caregivers also have an important — and often overlooked — economic value that should be covered by life insurance. Life insurance is also purchased by those interested in achieving specific business or estate-transfer goals. There are many types of life insurance policies depending on your goals, and there are huge price differences among different companies offering identical coverage. Here's an...

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