Monthly Archives: July 2010

Two Ways to Save Money on your Life Insurance Premiums

Life insurance underwriters work off of actuarial tables, which catalog risk factors a life insurance applicant presents to the insurance company.  The higher the risk of your dying prematurely, the more premium you’ll pay.  It’s as simple as that.  What … Continue reading

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Online Life Insurance Shopping Made Simple

You’ve made the decision to purchase life insurance and you thought, “I’m going to simplify this process by researching and  making the purchase online.”  However, when you Google the words “life insurance,” or “life insurance quotes,”  you are presented with … Continue reading

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The Life Insurance Whodunit

I must admit I’m a sucker for detective stories, whether in a novel or on television.  If watching one of the CSI, Law and Order, or other assorted whodunit-type shows on TV with my wife, I inevitably upset her by … Continue reading

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Till Death…or Divorce…do we Part?

If you have recently or are currently going through a divorce, life insurance is probably not in the forefront of your concerns at the moment.  However, it is one of the many items you will have to confront during this … Continue reading

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He’s in Perfect Health…Seriously?

When people call our office for life insurance quotes, we typically do a quick health assessment to guesstimate the health class of the prospective client.  Even though a quote is subject to change upon the completion of underwriting, we attempt … Continue reading

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How to Get the Best Life Insurance Quotes Online

If you Google the terms life insurance or life insurance quotes, you will have literally hundreds, if not thousands of websites to choose from.  How do you know which website is going to give you the best quotes?  Here are … Continue reading

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Surviving the Fourth of July

The Fourth of July weekend is traditionally a weekend of fun, family, fireworks and, unfortunately, a higher number of  fatalities than any other weekend period.   As a life insurance agent, I prefer my clients to outlive their policies.  Therefore, I … Continue reading

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Can I Extend the Term on my Term Life Insurance Policy?

This is a question we are asked quite often, typically when we are doing  annual policy reviews with our clients.  Unfortunately, the answer is always “no, the term is set when the policy is issued, after which time it cannot … Continue reading

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