Not everyone needs second to die life insurance, but it can be very beneficial in certain situations. Unlike a traditional term or whole life insurance policy, which pays benefits to a named beneficiary after the death of an insured individual, second to die life insurance actually covers two people. Benefits … Continue reading Understanding Second to Die Life Insurance

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Putting a solid estate plan in place is an important part of making sure that your loved ones won’t find themselves facing unnecessary financial hardship if something happens to you. The process of estate planning can vary greatly, depending on individuals’ net worth, business holdings, and a variety of other … Continue reading Life Insurance and Estate Planning

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Sometimes I will do a Google (or Bing) search for life insurance quotes to get a feel for what consumers have to go through in order to get quotes.  Each time I do so, I am disheartened by what I find.  The search listings can be quite confusing, as I … Continue reading Life Insurance Quotes the Easy Way

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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 and Dismemberment insurance, but when you purchase a policy to … Continue reading Life Insurance or Death Insurance?

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Your life insurance premiums are derived by estimating your risk of dying.  Insurance companies use specific health criteria in order to place you in a risk category or health class, as it’s commonly called.  There aren’t industry-wide labels for these classes, but you will usually see these health class designations:  … Continue reading Life Insurance Quotes – How Accurate are They?

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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 a 20 year term policy with a $1,000,000 death benefit.  … Continue reading Term Life Insurance for Life

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LifeInsure.com Issues a Challenge to Websites Offering Life Insurance Quotes Online I am offering a challenge to other life insurance Websites to allow consumers to check life insurance quotes online without submitting personal information (name, phone number or email address).  At the least, if this information is requested, the challenge … Continue reading A Challenge to Websites Offering Life Insurance Quotes Online

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I received an advertisement email yesterday offering Instant Term Life Insurance Quotes. Being that our company, Lifeinsure.com, is in the business of marketing and selling life insurance online, I thought I’d take a look at how one of our competitors was doing it. I clicked the link on the email … Continue reading When Instant Term Life Insurance Quotes aren’t so Instant

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What does time have to do with life insurance quotes and how does saving time save you money? Have you ever considered what your free time’s worth?  I usually do when my wife wants me to drive a long way to go to some store that’s having an “amazing sale.”  … Continue reading Life Insurance Quotes and your Time

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In learning about life insurance, it is important to know some key definitions.  By having some key terms well-defined, you won’t get tripped up while reading your application or policy.  Most people never read their policies because they get tripped up on some of the terminology.  You can visit our … Continue reading Some Important Life Insurance Defintitions

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