The Goldilocks Guide to Life Insurance
Not too hot – not too cold – but just right! Unlike in the Goldilocks fairytale, most people don’t get it “just right” when it comes to insurance. Most of us are either under-insured or over-insured. Yes, over-insured!
So, let’s start with how much life insurance your family truly needs. If either you or your spouse [...]
– Four Reasons to NOT buy Life Insurance Through Your Employer
I am a strong believer in using Term Life Insurance and encourage most of my clients to use Term Insurance to meet their life insurance needs. Term insurance is often available through your employer, but in many cases it is best to NOT get it through your employer.
There are four reasons that this is the [...]
Life Insurance Definitions
Beneficiary
The person(s) named in the policy to receive the life insurance proceeds upon the death of the insured.
Cash (Surrender) Value
The amount that is available in cash for loans and that may be available for withdrawals. Accessing Cash Surrender Value may reduce the [...]
Mortgage Protection Life Insurance in Georgia — Is it Worth Buying?
If you are a homeowner who recently closed on a loan or refinanced a mortgage, then it is likely that you have been inundated with offers for “Mortage Protection” or “Mortgage Life Insurance”. The letters appear official — as if they are sent by your lender — but in 9 out of 10 cases, they [...]
Term Life Goes Hybrid!
Are you working on any issues such as high cholesterol or losing a few extra pounds? Do you simply just not have the time to take a medical exam? Our Hybrid Life product offered through Fidelity Life may just be the perfect answer for you.
If you’re looking to obtain affordable term life insurance coverage but [...]
Life Insurance to cover Your Mortgage
Article By Michael Sylvia NV-MLD # 46286
Purchasing a home is for, most families, the largest financial investment. Therefore it would be prudent to protect that purchase with life insurance. The benefits are huge compared to the relatively low cost of a life policy. Just picture where your family would be if you were suddenly taken [...]
Life Insurance Part II: Term v. Whole
As promised in yesterday’s post, I am going explain the financial reasons why we picked the type of life insurance policy that we did. I highly recommend reading yesterday’s post, but as a reminder we decided to go with the 30 yr level term at $375 a year instead of the Whole life $1575.99 a [...]
Which Term Insurance Plan to Buy?
While selecting a term plan, the premium is recommended to be the deciding factor. But there are few other factors which are more important than the premium. The single biggest criteria of selection should be the policy exclusion. Generally, term plans don’t have too many exclusions. But there are some and you need to know [...]
“Be Your Own Banker”
Coincidentally, we received several emails asking about a concept called “be your own banker”. This has been around for decades, but apparently is now being remarketed as “Infinite Banking”, “Bottomless Banking” among other catchy names. Why pay interest to a bank when you can enjoy the “extraordinary benefits of creating your own banking system”? One [...]
Republic Act 9510 – Credit Information Act – full text
Below is the full text of the new Credit Information Act created by the Philippine Congress. Thanks to my sources at the Securities and Exchange Commission for providing me the text. A PDF version is available at the SEC website.
REPUBLIC ACT NO. 9510
AN ACT ESTABLISHING A CREDIT INFORMATION SYSTEM AND FOR OTHER PURPOSES
Be it enacted [...]
Sales Recruiter Panin Life
Panin Life as one of the leading life insurance companies with annual revenue of more than IDR 1 trillion invites you to join us as:
Sales Recruiter
Requirements:
* Male/ female, max 30 years old
* Graduate from reputable universities
* Minimum 3 years of relevant working experience
* Have skill and passion in recruiting and selecting people qualified for the [...]
Life Insurance
http://www.equote.com/ LIFE INSURANCE: Richard Wira of Equote.com discusses the importance of choice when choosing a term life insurance policy. Call (800) 354-1666 or visit the Equote.com office at 2731 Shelter Island Dr. San Diego, CA 92106 for life insurance
This site is an content aggregator for any articles and [...]
Term Life Insurance for Dependable Coverage
There are many reasons that people purchase Nashville life insurance policies. They want to replace income for their families, pay for their funeral, leave a nice “nest egg” or inheritance for someone, donate to charity or some people see insurance purchases as investments or reliable sources of income later in life.
One of the most popular [...]
Life Insurance
Losing your life is something that happens to all of us, we just never know when. And although it is a morbid subject you have to face the fact of it happening to you sometime in the future. Protecting with a life insurance policy is one way of guarding against the unknown and protecting your [...]
ICICI Pru Life Insurance posts a loss of Rs 466 cr in H1
ICICI Bank’s life insurance venture ICICI Prudential Life Insurance has posted a loss of Rs 466 crore during the first half of fiscal 2009 ended September 30.
During the period, the new business premium increased by 22 per cent at Rs 2,650 crore. At the end of September 30, the asset under management stood at [...]
What if My Business Has An Unneeded Life Insurance Policy?
What if My Business Has An Unneeded Life Insurance Policy?
Many business owners, for whatever reason, find that life insurance policies that once met their business needs no longer do. Traditionally, these people have had only two options: lapse the policy with nothing to show for the premiums that they have paid, or if the policy [...]
SBI Life – Group Criti9: Pilot health insurance plan from SBI
SBI Life Insurance Co on Thursday launched its first group health insurance plan ‘Criti9’ for State Bank Group customers.
The introduction of ‘SBI Life – Group Criti9’ here is part of a pilot project, and the company intends to introduce the offering across the country in due course, the life insurance company’s managing director and CEO, [...]
How to Apply for a Life Insurance Quote in Nashville
To many people, the business of life insurance is a straightforward process. While this can be true, there are many factors about life insurance that you should understand before you apply for a life insurance quote in Nashville.
The first item that you need to understand is that not all life insurance is created equally. Therefore, [...]
No Exam Life Insurance Quote
http://www.equote.com No Exam Life Insurance Quote: Richard Wira discusses the benefits of working with Equote to choose your term life insurance. Call (800) 354-1666 or visit the Equote.com office at 2731 Shelter Island Dr. San Diego, CA 92106 for a No Exam Life Insurance Quote
This site is an content [...]
Why should I buy life insurance?
Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations:
1. Replace income for dependents
If people depend on your income, life insurance can replace that income for them if you die. The most commonly recognized case of this is parents with young [...]
Regular Premiums for Life Long Insurance.
Premium on general terms refer to a bonus paid in addition to normal payments. People generally invest in Life Insurance for tax-benefits and for the life that the insurance plan covers. An insurance premium paid currently covers up for losses that might occur in the future. Insurance is basically done to cover up losses. So [...]
SBI Life Insurance gets iAAA rating from ICRA
Rating agencies ICRA on Monday said it has assigned iAAA rating to SBI Life Insurance. iAAA rating means the company has the ability to pay highest claims.
The rating was given after taking into account the company’s growth over the last five years, distribution model, extensive reach, strong operation and risk management expertise, low expense structure, [...]
Life Insurance Settlement Actual Case Example
A 75 year old client had a $4 million dollar term policy that was about six months away from having the rates go up. His rates were about $3,000 a month and were going to sky rocket up in six months. When we met he decided that he wanted to see what new rates were [...]
Rate of Return
I was talking to a guy today, a client we’ve been working with for a couple weeks, who is deciding if he wants to pursue his insurance policy through us or another guy. He’s a great guy, he’s a slalom skier (course skier), which is something we love to do, and waterskiers are somewhat hard [...]
Short term health insurance accompany bigger benefits
Health is wealth! This denotes the importance of health in our life and insurance comes as a protector. Like me, every other individual should insure themselves under health insurance plans to live a safer life. Before buying Apollo DKV’s short term health insurance plan, i wandered a lot for health plans that could safeguard me [...]