Please enable JavaScript to use this page Term life insurance is affordable life insurance that helps cover your family financially if you are no longer there to provide for them. With Term life insurance you can typically get a large amount of coverage at an affordable fixed rate. With term life, your beneficiary receives a death benefit if you pass during the specified term*. This benefit can help them pay the mortgage, education costs, and other debts. Get a complimentary quote on term life insurance online Through Guardian Direct® you can buy term life insurance online offered through Ladder, in an easy, no hassle process. Quotes for life insurance are complimentary and transparent, so...
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Buying a term insurance plan is simple and easy and can be completed from the comfort of your home or office. From purchasing smartphones to booking international holidays, the online medium has emerged as the first choice for many of us. What’s more, online platforms are also helping one to keep one’s financial life sorted. There are investment platforms to access capital market products such as direct equity and mutual funds, thus helping one to save for long-term needs. Similarly, one can buy insurance products online, thus taking care of the financial risks in life. Term insurance plans, the purest form of life insurance, can be purchased online either directly from the...
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Choosing life insurance can seem daunting. It has, after all, the reputation of being the decathlon of adulthood – that thing you buy when you have the family, the house, the kids, the whole shebang. But in fact, term life insurance is a really smart financial tool that makes a lot of sense for people at a lot of different life stages. And it’s not nearly as confusing as you might think. Especially once you know a few basics. What is term life insurance? Term life insurance is a financial tool you can purchase which provides your loved ones with a tax-free cash benefit to replace lost income in the event of your passing. Just think of it as a financial safety net that you deposit money into...
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Life insurance is primarily designed in order to protect the financial security of your family after you die. Anyone who has anyone financially dependent on them should own life insurance. Life insurance is a wise decision to be added to your financial plan because it can serve various functions within your entire investment strategy. Life insurance can help you: – Pay taxes and debts after your death. – Allow your family to maintain their standard of living. – Provide an immediate access to cash. – Leave a lasting legacy to those you love. Regardless of the type of insurance you choose, there is no substitute for peace of mind this can provide. This is one of the...
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Like in many others, the pandemic has changed consumer behaviour in the life insurance industry as well, Opinion | Digitalisation - The Catalyst for the new age of insurance 3 min read . Updated: 03 Sep 2020, 11:06 AM IST Ganessan Soundiram A case for embedding digital infrastructure for safety, convenience, and experience. Digitalisation offers a win-win proposition by providing convenience and choice of platforms to customers, rationalising time of distributors and making life insurance companies more efficient Every crisis presents an opportunity and covid-19 is no different. Like in many others, the pandemic has changed consumer behaviour in the life insurance industry as well,...
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The MarketWatch News Department was not involved in the creation of this content. Sep 02, 2020 (The Expresswire) -- The “ Term Life Insurance Market ” research report provides key statistics of the market status in terms of Term Life Insurance market size estimates and forecasts, growth rate. This report also covers key players of the market identified through their market share, product offerings. Further, the Term Life Insurance market research report strategical insights based on assessment of recent developments, strategy analysis of the players. It also covers drivers, opportunity and challenges prevailing in the industry. The report covers segmental analyses for across the key region...
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It’s simple, right? Unlike Term life insurance, which provides coverage for a set term of years, Whole Life insurance covers, yes, your whole life. But Whole Life insurance is a lot more complex and often misunderstood by both clients and their advisors. Many of us acquire these contracts because we love someone and want lifetime protection when we pass away. This is not available with Term insurance. Others have acquired these policies as another way to save money in a tax-advantaged way beyond traditional retirement plans. However, over time our lives change, kids grow up, career trajectories ebb and flow, and sometimes the reasons we entered into this “permanent” contract change. Before...
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Long Term Care Rider The Long Term Care Rider helps pay for long-term care expenses, including nursing home stays, assisted living, and more. Available on our permanent insurance policies. Accidental Death Benefit Provides an additional benefit above the stated coverage amount if the primary insured dies as the result of an accident before the age of 70. Guaranteed Insurability Benefit Guarantees your ability to buy a specified amount of additional permanent life insurance at specified future dates, at standard rates, without evidence of insurability. Waiver of Premium Benefit Waives all premiums due on the life insurance policy in the event of a total and permanent disability before age...
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As you build your wealth, it’s important to protect your assets against any unforeseen events. While not as direct a way of saving as investing, insurance planning can save you significant amounts of money over the long-term. Think of insurance planning as a precautionary investment that shelters you from financial loss. As you get older, you may want to consider incorporating such coverage into your financial plan because it can be the deciding factor in how much you spend compared to how much you earn. Below, we’ll look further into the different types of insurance and explore the process behind paying for different policies. To access the help of a financial advisor, consider...
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The other day, Alex and I had a different kind of date night… When we were first dating, I had a Friday ritual of picking up cheese and fruit and bringing it over to Alex’s apartment. (I remember feeling so nervous heading to meet my new bespectacled boyfriend, with my little bag of cheese in tow!) We’d hang out on his sofa and chat about our weeks. Now and again, we like to revive the tradition. On this particular night, while we snacked, we also talked about (wait for it) life insurance. Now that we have financial dependents, it’s important for us that our family has a financial safety net. We have term life insurance (and other plans in place) for that reason. We’...
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