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What type of insurance is needed to cover a mortgage?

Q: Our mortgage company recently sent us an offer for us to buy credit life insurance. They claim if one of us dies, the insurance company will pay off the balance of our loan. We have three kids and if either of us was unable to work or died, the other would not be able to pay the mortgage and all the other bills. This seems worth considering though the cynical side of me says I should investigate further. Any opinions on this? A: Yes, don't buy credit life insurance from your mortgage company. This is not because protecting yourselves from the loss of one of your incomes is a bad idea. This is because there are better and cheaper ways to accomplish this. A basic credit life policy says...

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Cover mental illness under life insurance: Anand Sharma, Deccan Herald

Amid an "exponential growth" of mental health issues during Covid-19 pandemic and lockdown, Congress' Rajya Sabha Deputy Leader Anand Sharma on Tuesday asked the government to put mental illness under the ambit of life insurance, as it will help people see it with the same lens as that of physical diseases. Raising the issue during Zero Hour, Sharma said one in seven persons in the country are suffering from depression and the number of people affected by mental disorders and issues have risen during the pandemic and lockdown in the recent months. Students and children are increasingly suffering from mental disorders and many of them were not able to access online study, non-availability of...

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Sagicor, Vida Life join forces to enhance insurance buying experience

A bi-lingual experience to be offered by the partnershop to insurance buyers by combining Sagicor’s products and Accelewriting with the insights of Vida Life Sagicor Life Insurance announces partnership with insurtech company Vida Life. (Credit: Free-Photos from Pixabay) US-based Sagicor Life Insurance has joined forces with Hispanic insurtech company Vida Life to offer an enhanced experience of buying life insurance. In this connection, Sagicor Life Insurance’s products and Accelewriting, its automated underwriting system, will be combined with Vida Life’s insights to develop a bi-lingual experience to the insurance buyers. Through the partnership, the firms expect to offer...

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Life insurance to secure your child s future: All you need to know

Life insurance to secure your child’s future: All you need to know For most young couples, a big milestone in life is starting a family. If you too fall into this category, you’ll agree that with the arrival of a child, there are many wonderful things that new parents have to look forward to. From seeing the child take first steps and listening to the child’s first […] For most young couples, a big milestone in life is starting a family. If you too fall into this category, you’ll agree that with the arrival of a child, there are many wonderful things that new parents have to look forward to. From seeing the child take first steps and listening to the child’s first words to...

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Policygenius Expands Marketplace With Accelerated Life Insurance from Lincoln Financial Group

NEW YORK, Sept. 15, 2020 /PRNewswire/ -- Policygenius , the nation's leading online insurance marketplace, announced today the offering of an innovative life insurance product from Lincoln Financial Group, Lincoln TermAccel®, which provides consumers with a new way to access life insurance conveniently and quickly. Lincoln Financial Group is a financial services leader known for helping Americans take charge of their financial lives. With this latest addition to its marketplace, Policygenius is continuing its rapid growth trajectory in 2020 and expanding its accelerated underwriting life insurance options, which enable eligible customers to secure life insurance without a medical exam. "We...

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Term insurance products gaining traction during Covid-19 crisis: Survey, Deccan Herald

Term insurance products are gaining traction as households are being proactive about financial planning due to heightened anxieties around unemployment and untimely death of the family breadwinner in the time of Covid-19 crisis, a survey said. The Max Life India Protection Quotient (IPQ) - Express survey also noted that job security, medical security, and financial security of the family in the absence of a breadwinner are more important to people now than before the Covid-19 era. According to the survey, term insurance is the most preferred life insurance category during Covid-19 and 83 per cent respondents believe that the situation demands one to be more proactive about financial...

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Can I take unemployment insurance even though my employer has put me on furlough?, This is Money

I'm worried about redundancy: Can I apply for unemployment insurance even though I'm on furlough? I've been on furlough since March and it's been extended to October - but I am worried my employer will make me redundant at that point. I have all the normal types of insurance - life, car and home etc., but I don't have anything that will protect my finances if I get made redundant or fall sick. Can I apply for unemployment insurance even though I'm on furlough, or is it too late? And is there insurance to protect my finances if I fall ill with the virus? David Vickery, insurance adviser from Cavendish Online, said: This is a great question and something that has been raised by numerous...

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IndiaFirst Life Insurance upbeat on revival in sales - The Hindu BusinessLine

Working on digital engagement with customers Private sector IndiaFirst Life Insurance Company is confident of a revival in sales and is working out new ways to reach out to customers digitally in the wake of the pandemic.. “Things are limping back to normalcy and unless there is a big second wave of Covid, we will see this continue as a trend. I don’t expect a dramatic improvement,” said Rushabh Gandhi, Deputy CEO, IndiaFirst Life Insurance, adding that people are more keen on buying insurance due to worries about the pandemic. The insurer saw a spurt in sales of non-participating or guaranteed and protection plans in April and May and said that in June, the sales were getting back to...

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Do you need life insurance?, Easier

Do you need life insurance? Do you need life insurance? Nobody likes thinking about their own death. But if you have a partner, children or any other relatives that depend on you, you may find that a life insurance policy will help you provide for your family even when you do eventually pass away. This is because life insurance can pay your dependants money as a lump sum or as regular payments if you die. This way, they’ll still have the money to pay the mortgage and other living expenses. However, that said, life insurance isn’t compulsory and it’s not something that suits everyone. To help you decide whether you need life insurance, we’ve put together this guide on...

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UBS, Swiss Re to partner on life insurance offering for mortgage clients - Reinsurance News

UBS, Swiss Re to partner on life insurance offering for mortgage clients Multinational investment bank UBS is joining forces with global reinsurer Swiss Re to launch a life insurance offering for property owners in Switzerland. The offering will allow UBS mortgage clients to insure against disability up to $640,000 and against death up to around $1 million. UBS supposedly wants to bake Iptiq, Swiss Re’s insurtech subsidiary, into its domestic mortgage lending business and leverage its data-backed product engine, on which it’s possible to design tailored solutions for business clients. This move is said to be an attempt to digitise production and distribution via platforms, in a...

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