U.S. insurers are doing the once unthinkable, turning away business from some Americans who want a life-insurance policy. The driving force behind the action: a collapse in interest rates tied to the spread of the new coronavirus and an expectation from insurers that rates won't rebound significantly anytime soon. Life insurers earn much of their profit by investing customers' premiums in bonds until claims come due. In simplest terms, when they price policies, they make assumptions about how much interest income they will earn investing these premiums years into the future. The less they earn, the more they may need to collect in premium or fees to turn a profit. For now, a wave of stopgap...
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Blood pressure is one of several health factors companies consider when deciding your life insurance rates. Having high blood pressure adds stress to your arteries and leads to serious problems such as heart disease and strokes. Unlike some life insurance pricing variables that are out of your control, such as your age, blood pressure is something you can change. Even if high blood pressure runs in your family, a healthy lifestyle can keep yours in check. One of the best steps you can take is limiting foods loaded with sodium, which has a particularly negative impact on blood pressure. The American Heart Association advises no more than 2,300 mg of sodium a day for most people (about one...
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Life insurance is one of those things that is important to have, though you hope you'll never have to use it. This type of insurance is a great way to protect your loved ones in the event of your death. Most importantly, it provides the funding they'll need to cover any funeral expenses and adjust to their new lives without you. Read on for everything you need to know about this critical coverage and why it is so important. Who Needs Life Insurance? When you decide that the time is right for you to have children, this is the perfect time to evaluate your life insurance needs. If something should happen to you, your partner would become a single parent, a challenging lifestyle, to say the...
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Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone. Don’t leave the future of you and your loved ones to chance. GCB Insurance can help you find the right life insurance coverage for you, and help ensure that your policy continually meets your needs. Life Changes. So Should Your Policy For each of our neighbors, the right life insurance will be unique and dependent on personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Some life transformations that may require a policy “...
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Top Life Insurance Quotes - choose top companies below. Health Categories Many companies use four general health categories for those evaluated for a life insurance policy. These categories are Preferred Best, Preferred, Standard, and Tobacco. Preferred Best is reserved only for the healthiest individuals in the general population. This means, for instance, that the proposed insured has no adverse medical history, is not under medication for any condition, and his family immediate and extended have no history of early cancer, diabetes, or other conditions. Preferred means that the proposed insured is currently under medication for a medical condition and has a family history of particular...
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Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone. Don’t leave the future of you and your loved ones to chance. APG Inc can help you find the right life insurance coverage for you, and help ensure that your policy continually meets your needs. Life Changes. So Should Your Policy For each of our neighbors, the right life insurance will be unique and dependent on personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Some life transformations that may require a policy “tune-...
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While home and auto insurance protect the things that matter most – life insurance protects the people who matter most in your life. And making sure you have the right life insurance is critical when it comes to planning for your future and the future of your loved ones. At Insurance Services, our team of experienced agents includes a dedicated Life and Health Insurance expert focused on finding the right coverage for you, and helping ensure your policy continually meets your needs. Advantages of Life Insurance Life Insurance Death Benefit - When you pass away, your life insurance provides income (tax-free) to your named beneficiary or beneficiaries that can be used to pay funeral expenses...
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Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone. Don’t leave the future of you and your loved ones to chance. Doty & Giles can help you find the right Washington life insurance coverage for you, and help ensure that your policy continually meets your needs. Life Changes. So Should Your Policy For each of our neighbors in Washington, the right life insurance will be unique and dependent on personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Some life transformations...
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Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone. Don’t leave the future of you and your loved ones to chance. Strickler can help you find the right Lebanon life insurance coverage for you, and help ensure that your policy continually meets your needs. Life Changes. So Should Your Policy For each of our neighbors in Pennsylvania, the right life insurance will be unique and dependent on personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Some life transformations that...
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Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone. Don’t leave the future of you and your loved ones to chance. Fanelli, Harley, Harper can help you find the right Pennsylvania life insurance coverage for you, and help ensure that your policy continually meets your needs. Life Changes. So Should Your Policy For each of our neighbors in Pennsylvania, the right life insurance will be unique and dependent on personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Some life...
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