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Layering Term Life Insurance
You know you need term life insurance but you can’t decide on the death benefit amount or the length of term because you see the needs changing over time. You might be a good candidate for layering or laddering several … Continue reading
Tips for Best Medical Exam Results
Okay, you are applying for a life insurance policy and you have been told the insurance company requires a medical exam (paid for by the insurance company). The exam typically consists of blood and urine samples, blood pressure readings, height … Continue reading
How Do I Love Thee?
If you’re like me (e.i. male, married), you’re probably going through the “Valentine’s Day is coming fast and I have no idea what to get for my wife” syndrome. I was in the local card store yesterday and I was … Continue reading
But my Doctor says I’m Very Healthy
When you apply for life insurance, the insurance company wants to know what the risk is of you dying during the period of your policy. The underwriter will take into account various health and lifestyle factors to determine your health … Continue reading
Life Insurance Terms Defined
If you’re like most people, reading an insurance policy can be downright confusing. It’s not the easiest read in the world for me and I’m in the business. Fortunately, all policies include definitions of the terms. Unfortunately, the definitions are … Continue reading
Term Conversion
If you have shopped for or own a term life insurance policy, you might have heard the term Conversion Policy. Simply put, most term policies have a provision whereby, during the term of the policy, you can convert from a … Continue reading
New Year’s Resolutions
These are my resolutions for 2009. I have left some of the information blank so you can fill in your own information, if you are so-inspired. 1. Quit (Fill in the blank). Hopefully it’s not the same as last year’s. … Continue reading
What Is A Rider?
In insurance a rider is a supplemental agreement attached to and made part of a policy, usually to expand the coverage of the policy. Typically these riders require additional premium to be paid These are the most common riders that … Continue reading
I can’t find my Husband’s Policy
We often receive calls from distraught spouses attempting to find out information about their recently deceased spouse’s life insurance policy. Quite often, in searching for information, they find us on the Internet and call us, hoping that we are the … Continue reading
Insurable Interest
I frequently receive calls from people interested in taking out a life insurance policy on a friend, parent or distant relative. The first question I typically ask is, ‘what is your insurable interest,” as this is a question the insurance … Continue reading