How Your Family’s Health History Impacts Your Life Insurance Rates

There are hundreds of factors which might influence your eligibility for life insurance and what premiums you’ll receive. The most common is your personal medical history. The diseases, injuries, and illnesses you’ve experienced and are currently experiencing play a huge role in whether you’ll qualify for coverage and how much you’ll pay. Another important factor,.. Read More

What Is A Collateral Assignment, And Why Do You Need One?

Life insurance is often the key to securing a loan. Frequently, lenders request a collateral assignment of life insurance as a requirement for loan approval. Why? Your bank, or lending institution, has an interest in guaranteeing the loan they provide will be paid back, regardless of your circumstances. Think of an assignment of life insurance as collateral.. Read More

Can You Get a Family Plan for Life Insurance?

Perhaps the number one reason people buy life insurance is to protect their family. Life insurance coverage provides your close family members with a financial safety net in the event you were to die unexpectedly. It enables them to continue living as if you were still around, at least financially, without worrying where the money.. Read More

What Is A Contingent Beneficiary?

Your life insurance policy is almost always not for you. It’s for those you care about most. When you designate your loved ones as either a primary or contingent beneficiary, your life insurance financially safeguards them regardless of what life brings. You will want to thoughtfully list your life insurance beneficiaries – the particulars matter... Read More

Term Life Insurance for 30 to 39 Year Olds | Rates & Savings Tips

Virtually anyone can benefit from term life insurance. If you’re between 30 and 39 years of age, then this type of life insurance could be just what you need for a brighter future. PLUS: It’s by far the cheapest type of life insurance coverage for this age group. Find out how term life insurance for.. Read More

Compare Riders From Top No Exam Life Insurance Companies

Think of term life insurance as financial protection which includes two types of benefits: Death Benefit – the amount of money your beneficiaries receive, should you pass away (what we typically think of when we consider life insurance). Riders – additional benefits which provide protective features to be used primarily while you are living (often overlooked). Riders.. Read More

Term Life Insurance for 20 to 29 Year Olds | Quotes & Savings Tips

Those within the 20 to 29 age group often overlook the importance of term life insurance coverage. But that’s a pretty crucial mistake. Although you might be young and healthy now, you’re not too young for life insurance. Find out everything you need to know about term insurance as a 20 to 29 year old.. Read More