term life insurance Archives ~ Live Insurance News

4 Essential Things to Remember When Buying Life Insurance

January 8, 2019 Ben Jones

Whether you’ve already bought life insurance or are in the process of purchasing a plan, you know how important a decision it is. Your life insurance policy is what will help take care of any loved ones you may leave behind. Because of that, you want to spend time deciding which policy is best for you and your family. When looking at a policy, there are many factors that come into play. In fact, there are so many things to remember and questions to ask that it can become overwhelming…

How to Insure Your Growing Family with Life Insurance

May 19, 2013July 31, 2013 Guest Author

You might not think of life insurance as a gift, but it is. In fact, it’s one of the best gifts you can give your new child. Why? If you suddenly die, your life insurance policy becomes wellspring of cash for your kid when he needs it most. However, there’s just one thing standing in your way: money. Life insurance isn’t free. Here’s how to afford it without breaking the bank. Blended Whole Life Blended whole life insurance is one way to provide permanent life insurance protection without spending a…

Points to think about when you buy life insurance

May 12, 2013February 15, 2014 Guest Author

The moment you decide to start a family life, your brain begins to plan for the future. It is natural for anyone of us to think and plan about the good life of our loved ones even when we are gone. This very moment is the point when you start to ponder over a life insurance policy. There are several insurance companies trying to attract you with various schemes and coverages but ultimately a long term plan comes down to deciding between universal life insurance or whole life insurance. The…

Life insurance will be experiencing higher premiums for term policies

May 9, 2013May 25, 2013 Julie Campbell

In an environment with low interest rates, the cost of the coverage is on its way up. According to the data that has been released by an online life insurance comparison agency, term policies are becoming more expensive and are slightly more difficult to find than they used to be. This news comes after a decade in which prices had been consistently plummeting to record lows. However, the latest research from IntelliQuote has shown that the premiums that are being quoted for term life insurance policies increased by an average…

The Most Common Term Life Insurance Riders

April 14, 2013April 21, 2014 Guest Author

Life insurance is one of those things that everyone knows they should have but only a precious few of us take the time to go about getting. The immediate benefits of life insurance are obvious; it helps to protect our families and loved ones financially in case the unfortunate should happen, but what many people do not realize is that there are a number of riders that are either included in most insurance policies, or are cheap to add on that provide ample benefits. Below are four of the riders…

Life insurance maintains its importance in families with dependents

October 27, 2012April 30, 2013

The protection provided by this coverage is still an important element of financial planning. Despite the changes in the life insurance industry and the economy that continues to struggle, the coverage is maintaining its value for families that depend on the income of the policyholder. These policies provide families with a way to replace income that suddenly ceases if the earner should die. In order to take full advantage of life insurance, families should discuss the topic and make certain that they choose the form of the coverage that is…

Life insurance is being rediscovered as important to financial planning

August 25, 2012April 30, 2013

This shaky economy is encouraging consumers to take a second look at the coverage. For the last several years, the popularity of life insurance has been shrinking, reaching the lowest points that it has seen in decades, but with the state of the current economy, financial planners are beginning to turn their gaze back toward this coverage product and the security that it can offer. Though the policies should not be considered an investment, they do offer planning flexibility. To start, it should be understood that in the majority of…

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