Category Archives: Life Insurance

Life Insurance Settlements

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When I first heard of viatical settlements or life insurance settlements I shuddered at the thought of such an idea. I even put into words my deep feelings.

You see I spent many years in the life insurance business and have seen the product work for the betterment of so many.

I could not conceive of a pleasant result when one deprives the beneficiaries of what was due them. I guess I had not given the idea much thought…thus my extreme response.

5 Year Term Life Insurance Policy

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The 5 year term life insurance policy has been around in insurance circles for a very long time.

It can be sold as a policy or as a rider to a permanent life insurance policy.

It was never promoted much by life insurance agents perhaps because of it’s extremely low premium which results in low commission.

Another consideration is that 5 years is a very short period of time for ownership of a life insurance policy. The 5 year term life insurance policy is worth a little of your attention. It is a good policy…depending on your need.

10 Year Term Life Insurance Policy In All Its Glory

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The 10 year term life insurance policy would fit your need perfectly if you are in the market for inexpensive life insurance.

This is life insurance in its simplest form. The 10 year term life insurance policy contains a guaranteed death benefit from the outset and a guaranteed level premium.

After the initial 10 years some life insurance companies allow you to renew the policy for an additional 10 years at an increased premium. This 10 year term policy provides you with ample insurance for small outlay over a fairly short period of time.

20 Year Term Life Insurance

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One of the most popular life insurance policies is the 20 year term life insurance policy. The purchaser of the policy usually pays a level premium for the first 10 years.

In some cases the premiums remain level and at the same rate for the entire 20 year period, however, some companies increase the premiums starting in year 11 and they remain level for the balance of the 20 year term.

The 20 year term life insurance policy earns no cash values and there, therefore, are no dividends.

Term Life Insurance Quotes

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Everybody is running out to get term life insurance quotes now. Maybe the phrase I should use is, going online to get quotes.

Is it that the number of people interested in life insurance have increased dramatically with nothing driving them, or is the reason because they realize life is so easy to lose their lives.

Life is so fragile to put it mildly? After 911 and hurricane Katrina you cannot help but wonder. People say I can die at anytime, I might as well make my family have something worthwhile when I die. I will go get a few term life insurancequotes and maybe buy some life insurance.

Life Insurance Buying Tips

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Life Insurance buying tips. If life insurance buying is approached in the proper manner it can be very beneficial to yourself and your family.

You need to take the time to give some thought to a subject that can be very unpleasant.

I guess that is why most people don’t think about it, or at best think about it only after they have had a brush with death, or when a life insurance professional brings up the subject.

Don’t Buy Term Life Insurance

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Don’t buy term life insurance if you have a lot of money. You simply should not buy any life insurance at all.

I have heard it said more than once, you should not buy life insurance.

This is perhaps one of the most stupid statements I have ever heard, it usually comes from a person who has no idea what life insurance can do for dependents.

I have been in this business many years and have seen life insurance in action. I have seen tears turn to smiles, I have see fear turn to self comfort.

Advantages Of Whole Life Insurance

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When you consider the advantages of whole life insurancepolicies I hope you will conclude that this is life insurance worth owning.

I have no objection to term life insurance and even own some. It is an important part of my life insurance portfolio.

Each type of policy has it’s place and it’s own function.

I cannot, for the life of me, understand why some people never have appreciated this. I refer to the term advocates who seem to hate the thought of anyone buying a whole life policy.

Term Life Insurance Vs Permanent

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Term life insurance vs permanent has been the center of active and thought provoking debate ever since the idea of term life insurance came to man’s mind.

Term insurance is without question cheaper than permanent life insurance but when compared with the value built into the latter people have varying ideas as to which is best. What about the cash values and dividendsyou get from permanent policies?

Do you just ignore these? How can cash values and dividends be used to offset cost? Questions worth answering aren’t they?

Life Insurance Settlement Option

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When you think about it, the life insurance settlement optionchosen by you is vital when it comes to what you really want your policies to do.

Most life insurance agents don’t discuss any life insurance settlement option with their clients in detail.

The online life insurance salesmen give this matter even less consideration…