Articles Index

Life Insurance for the Stay-at-Home Spouse
Most families purchase minimal life insurance for the stay-at-home spouse. They feel this would be sufficient to take care of the basic tasks, at least until the youngest child is out of school. But what about the child's emotional loss from their deceased stay at home parent? Can hired help really take care of those needs? What if the working parent realized they needed to be the stay-at-home parent for a while... would there be enough life insurance to cover the working parent's wages?

Could Your Life Insurance Company Fail?
Life insurance is supposed to be the back up plan for our losses. But, have you ever thought about what would happen if your life insurance company went bankrupt? Unfortunately most people don't realize life insurance companies could fail just like the bank failures we have been through.

Shopping for Life Insurance Quotes
So, you have decided to shop around for life insurance quotes. Want to save a few thousand dollars on your next life insurance policy? Well, think about how long you pay for life insurance and how much of a life insurance quote difference of $5 per month would make over a 30 year term life insurance policy. Now take that figure ($1800) and think about how much more that would be if you would have had it to invest. It really adds up!

Your 5 Step Guide to Shopping for the Best Term Insurance Rate
Term insurance is a great way to get a lot of life insurance for a low price. It is very straight forward too: You get a term life insurance quote online or with your local term insurance company and then buy a certain $$ amount of insurance for a "term" of time (such as 10 or 20 years) for a specified monthly, quarterly, or yearly premium. Although term insurance seems simple enough, here are some term insurance shopping hints to help you save money and get the best term insurance rate.

Tough Times and Life Insurance: When is it Time to Cancel the Life Insurance?
When tough economical times come, many households find ways to cut expenses. Salary cuts and job losses are among the many reasons why expenses need cut, but when the question to cut life insurance arises you may want to think twice before you choose to cancel your life insurance policy.

The Quick Financial Crisis Financial Adviser
Who out there needs a financial adviser? There are thousands of financial crisis tips and secrets out there to scare away anyone just trying to find a basic debt cure. Especially in a financial crisis, finding a debt cure along with having the right insurance protection will assure anyone long-term financial peace.

Know How to Best Do Your Online Shopping for Term Life Insurance
Knowing how much term life insurance you need and how to best do some online shopping for term life insurance is important. This is because term life insurance is especially useful for families that have current and future financial obligations but have not yet grown the assets to fulfill those obligations if they should die prematurely. Learning about the variety of term life insurance websites will help families make a more informed financial decision.

What You Need to Know Before You Meet With the Life Settlement Company
Do you have a life insurance policy and have considered cashing out or a life settlement? If you have a severe medical condition, terminal illness or are facing your later years in life, you may have considered such options as life settlements or viatical settlements. Understanding what is the best option for you starts with research.

Changing Lives, Changing Needs: Divorce and Your Insurance
You may now be asking how the divorce will affect your insurance choices such as life insurance and health insurance. You are right to be questioning this. Substantial life changes such as divorce bring about the need to reassess one's finances and insurance should be an important part of that financial reassessment.

You Purchased an Affordable Life Insurance Policy, Now What?
Maintain my life insurance policy? Yes! It is great that you found an affordable life insurance policy but purchasing your affordable life insurance policy is just the first step in being a responsible life insurance policy holder. If you want to get the most out of your life insurance policy and you want it to protect your loved ones like it should, there are steps you need to do in order to make sure your life insurance policy stays current and safe.

A Senior Citizen's Guide to Insurance Planning
Unfortunately, senior citizens are sometimes lured into insurance marketing proposals by insurance agents who only care about making money and not what is best for their customer. There are a lot of complex choices now when it comes to buying a new insurance policy or changing a current one so doing so should not be something a senior citizen should take lightly.

What You Need to Know Before Changing Your Life Insurance Policy
If you are approached by a life insurance agent and asked to consider canceling your current life insurance policy in order to purchase a replacement policy there are a few things you should know first. Learn how to understand the changes that may affect your life insurance policy and the warning signs to watch for.

Life Insurance 101
A life insurance policy is so important, I feel it should be a law in all fifty states that parents and anyone who has someone depending on them should be required to purchase it. Life is so unpredictable and leaving your loved ones to grieve the loss of you on top of no financial support should never be an option.

What's the Buzz About Equity-Indexed Annuities?
These days it seems investors are looking for safety and security more than ever, especially after the major stock market correction witnessed from 1999-2002. Four years later, numerous brokerage and variable annuity accounts still have not recovered their losses from that time period. Unfortunately, many investors were counting on those funds to provide income during their retirements. Thus the introduction of the equity indexed annuity, or EIA, to the main stream marketplace.

Who Needs Life Insurance?
Life insurance is designed to protect your family and other people who may depend on you for financial support. If you die and lose your income, the people that are dependant on your financial support will lose that income, so life insurance can help cover some or all of that loss depending on the policy you choose. Here are some guidelines to help you decide if life insurance is the right choice for you.

What to Expect: Your Life Insurance Medical Exam
Now that you have decided to purchase life insurance you may be required to undergo a medical exam. The primary reason life insurance companies need to administer medical exams is to judge how much premium to charge a potential policyholder.

Transferring Wealth with Life Insurance
Wealth transfer and asset protection are important topics for many baby boomers and seniors. A will and/or a trust can assign assets to beneficiaries, however these estate-planning tools are not designed to create wealth so much as they are to preserve it. In contrast, life insurance products instantly create wealth and can increase the amount passed on to a recipient.