Group Life Insurance Does It Properly Cover You
Group life insurance is a common workplace benefit. Since it is cheap, why not take it? But you need to look at what you are actually getting.
Group Life Insurance- What Do You Get?
In a lot of situations, the amount of group life insurance that you get corresponds to your salary. The percentage is usually one to two times your salary. This level of coverage is insufficient to cover a family in the event of the main breadwinner passing. The rule of thumb in the life insurance industry is...
Term Life Insurance Is The Cheapest Coverage The Best For You
Many internet searches reveal that you can get free term life insurance quotes and premiums that are up to 70% off. With so many options available, is it always in your best interest to get the cheapest term life insurance coverage? And what does up to 70% off your term life insurance really mean?
Cost effective term life insurance is simply basic life insurance that pays out a lump sum after your death. The premiums for these polices are generally low because the policies are like your...
Mortgage Life Insurance Quotes
If you're buying a house it will be mandatory, and if not in fact, very wise for you to purchase mortgage life insurance even if you make a large down payment. Happily since the advent of the internet, getting a quote for mortgage life insurance is as easy as clicking on your mouse. Many life insurance companies offer free quotes and some will show you their competitors rates, even if they have a higher price. In addition, there are quite a few independent brokers that will provide you with...
Life Insurance Conundrums
Life insurance is a mix of terminology and incomprehensible phrases. What do the phrases, term life, whole life and universal life mean?
Life Insurance Sales
Getting the best life insurance is important! But it's hard to understand what the different words and phrases mean, but now there are answers on the internet to help you. Information and life insurance quoting sites such as ours can let you learn on your own. On a site like this, you can check the market for the lowest life insurance...
How Good a Deal Is Your Bank s Mortgage Insurance Plan
†by: Ivon T. Hughes
When you go to the bank to get a mortgage, you'll inevitably be asked to take out mortgage insurance. The idea behind mortgage insurance is simply that if something happens to you or your spouse then your loan will be paid off which is good news for your family and the bank. Most financial institutions act like they are doing you a favor by offering you mortgage insurance through their own group plan, but are they?
The truth is that you could probably get a much better...
Life Insurance Quotes Why The Difference
Why is it when you are talking about life insurance quotes with someone, your life insurance rates never match up? Well, different personal elements go into giving you your life insurance quotes.
Everybody's situation is different as you may or may not know. Your life insurance quotes are based on what you want to have in your life insurance policy. Do you want to add a savings plan in your life insurance policy? What are your personal characteristics; like gender, height and weight,...
Disability Insurance Why Young And Healthy People Need It
Unfortunately accidents happen. Some of these may unfortunately put you in the hospital for weeks, followed by months of rehabilitation. Or you are not able to work or leave the hospital because of a permanent injury.
Health insurance might pay for your medical expenses, but you need something like disability insurance to make your mortgage payments and pay your household expenses?
Disability Insurance Is The Answer
For most of us the answer is disability insurance, which provides income...
Whole Life Insurance And Why People Choose It
Although term life insurance policies gets you cheaper monthly payments, when you request quotes, are whole life policies a better buy? With whole life policies you are covered for as long as you live and pay the premiums. With whole life insurance you are prepaying the cost of the policy but it is not a good investment, just a forced savings plan.
Is Whole Life Insurance Flexible ?
With whole life insurance you can choose a time when you can stop paying premiums, if there is sufficient cash...
Term Life Insurance Fables And Reality Part 1
Term life insurance has many advantages. Many people don't bother to insure themselves because of misunderstandings about what term life insurance can do for them. Let's examine some of the major reasons why people hesitate to buy term life insurance or indeed any type of life insurance.
Term Life Insurance Fable #1:
They work at home: Home workers still have to replace a paycheck and cover expenses in the event of death. They also still have to consider childcare and their children's future...
Disability Life Insurance Some Tips On How To Buy
Although disability life insurance covers ourselves and our loved ones during good and bad times, it can be a very dry subject. We have therefore compiled a quick list to make understanding disability life insurance easier.
Disability Life Insurance Tip #1
Buy Only What You Need: Make sure you have enough coverage if you ever have to make a claim. And be sure to keep policies up to date with any salary increases you get.
Disability Life Insurance Tip #2
Increase your waiting period: The...