Lifetime Term Life Insurance

Term life insurance typically comes in 10, 15, 20, 25 and 30 year terms.  The term is the length of time the policy will be in effect.  At the end of the term, you can either renew the policy on … Continue reading

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Term Life Insurance for Life

I just spoke to a 68 year old gentleman who was looking for a 30 year term life insurance policy.  At his age, there aren’t any companies that would issue a term policy for 30 years, so we looked at … Continue reading

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Is Return of Premium Term Life Insurance a Good Value?

When looking at purchasing return of premium term life insurance, you should compare the difference in cost between return of premium and regular term life insurance.  You will find that there is a much greater difference in the cost between … Continue reading

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The Life Insurance “Controversy”

As long as there has been life insurance, there has been an ongoing controversy about which type of life insurance is best whether it is term or permanent life insurance like whole life or universal life. There really is no … Continue reading

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Acquiring Term Life Insurance is An Act of Love

We take great pride in helping our clients find the best life insurance. Acquiring term life insurance is a selfless act. It shows the love and compassion a person has for their family. Term life insurance takes care of a … Continue reading

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The Advantages of Term Life Insurance

Before you start inquiring about quotes for term life insurance policies you should know all of the advantages that come with term life insurance: One advantage of Term life insurance policies is that they allow you to choose the length … Continue reading

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Term Life Premiums to Rise?

If you have been procrastinating about purchasing a term life insurance policy, the cost of waiting is going to get more expensive.  Up until 2008, term price wars reduced term life premiums by about 30%, according to Donna Kinnaird, president … Continue reading

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Private Mortgage Insurance (PMI) or Mortgage Protection Insurance?

We get a lot of calls from people asking for “mortgage insurance.”  Very often, they are looking for private mortgage insurance (PMI) as they have been required to purchase this protection by their mortgage lender.  Most lenders require the borrower … 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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The Opinion about Life Insurance

There are as many opinions about life insurance as there are life insurance agents and brokers hat sell it.  If you ask 100 insurance professionals their opinions about which type of policy is best for you, you will get that … Continue reading

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