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June 2013

Life insurance credits program for underwriting, better rate

Are you receiving your “Credits” on your life insurance application 2016? Most consumers aren’t aware that certain life insurance companies offer “Credits Programs” to give applicants applying for life insurance the opportunity to qualify for the best underwriting class available. Often times when someone applies for life insurance everything will be good except for one finding.  Whether you are just a little over the build chart for your height, or have elevated blood pressure or cholesterol or one of your parents had heart disease at an early age. This finding will unfortunately put you into a different rating class and […]

How Long Does It Take for a Life Insurance Policy to Pay Out Money?

What is the Average Turnaround Time for a Life Insurance Policy to Payout the Claim Money 2016? One of the most common questions I receive regarding life insurance is “How long does it take for the life insurance company to payout the money if I passed away?”  This is very important because you don’t want your family to be left in financial limbo waiting for proceeds from your policy.  The initial period after an unexpected loss is stressful enough, you don’t need you family to be waiting around indefinitely for the life insurance money.  The reality is that the bills […]

8 Tips for Purchasing Life Insurance from The National Association of Insurance Commissioners

Consumer Alert: Life Insurance Purchasing Tips from the NAIC 8 Tips for Purchasing Life Insurance from The National Association of Insurance Commissioners to Follow in 2014 Life insurance is an important purchase for most Americans because it can provide income replacement to beneficiaries in the event of a death. Life insurance policies are available from more than 2,000 life insurance companies in the United States. Here are some tips from the National Association of Insurance Commissioners (NAIC) to help you get the best value for your life insurance dollar. The National Association of Insurance Commissioners is a voluntary organization of […]

Best & Worst Life Insurance Companies 2013

Which Life Insurance Company is Best in 2014? The truth is that for the life insurance industry it is a very difficult to choose a “best” company overall.  Even independent review and comparison services like Consumer Reports don’t specifically endorse a particular company.  The reason is due to the fact the life insurance industry is so tightly regulated by the state insurance commissioners, there is little room for problems to occur.  In addition to being so highly regulated, life insurance policies themselves are contracts.  It is very straight forward, you the policyholder will pay a premium and if you pass […]

13 Money Saving Tips on Life Insurance 2016

13 Money Saving Tips Everyone Can Use Immediately in 2016 Everyone is looking to save money and with America still recovering from one of the toughest economic periods in our history, now is a great time to use some tips to save a few extra bucks each month.  13 Money Saving Tips for 2016 Below are 13 money savings tips that everyone can use.  Take a look to see what you can do to save some extra cash each month.  This may also give you some additional ideas on how you can save money in your everyday life.   13 […]

Life Insurance for Parents & Students- College-2013-Death not forgiven, Sallie Mae

The Less Known Importance of Life Insurance for Parents & Students Who are in College or Plan to Attend College If you are a parent or a student around college age, you are probably well aware of the cost of higher education these days.  When you look at the numbers it is just staggering how much a college educations costs in 2013.  According to the College Board, the full cost of a year at a public four-year school has increased an average of 83% and private universities saw a  74% increase, in just the past twelve years alone. What are […]

best life insurance for seniors

Life Insurance for Seniors When you are a senior, which is defined as over the age of 55 in the life insurance industry, you understand just how difficult it can be to find affordable life insurance rates. If the term insurance plan that you purchased when you were younger is up for expiration, or you put off buying insurance, you will need to compare the products through several carriers before you select the right plan for you. Finding a reasonably priced life insurance policy is not impossible when you are a senior, you just need to understand what to expect […]