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Life Insurance or Death Insurance?
Having been in the life insurance business for as long as I have, I have often wondered why it is called life insurance rather than death insurance. After all, you can purchase Accidental Death insurance, you can buy Accidental Death … Continue reading
Primary and Contingent Beneficiaries
One question that comes up fairly regularly in filling out a life insurance application is who should my beneficiaries be and what’s the difference between a primary and contingent (or secondary) beneficiary? A beneficiary is a person or entity entitled … Continue reading
More Facts About Life Insurance 2010
Life insurance is important to American families, but they procrastinate. According to LIMRA (Life Insurance and Market Research Association): Life insurance beat out all other sources of financial assets or income that Americans expect to use to help pay bills, … Continue reading
Guarantees – Death and Taxes Only?
If I had a dollar for every time I heard someone say, “the only guarantees in life are death and taxes,” I guarantee that I would be a very wealthy man. I imagine, what with the current economy and years … Continue reading
Facts About Life Insurance 2010
Many U.S. households are at risk: LIMRA’s 2010 Life Insurance Ownership Study has found that 30 percent of U.S. households (35 million) have no life insurance protection at all. Many U.S. households are under-insured: Only 44% of U.S. households have … Continue reading
Texting While Driving – 23 times more likely to meet with an accident
I was driving home on the freeway last night and noticed a car in front of me slowing down and then speeding up and weaving out of the lane markers. I thought for sure that this person was drunk or … Continue reading
Steven Slater – Hero…Seriously?
Steven Slater, the Jet Blue flight attendant who recently had a melt-down aboard a flight is being touted as a “workingman’s hero” by many Bloggers and in traditional media outlets. There’s even a Facebook page for his fans. Let me … Continue reading
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
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