The LifeInsure Blog

Becoming Your Own Banker

Becoming Your Own Banker

What if you could be your own source of financing when the need arises instead of leaning on banks, finance and credit card companies? What if you could borrow against a life insurance policy and pay it back, instead of the bank? What if you could pay yourself back...

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Whole Life Insurance

Whole Life Insurance

Whole life insurance is a type of permanent life insurance. Permanent insurance is designed to remain in force for the policyholder’s entire life, unlike a term life insurance policy, which is designed to remain in force for a specific period of time (the term). The...

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Term Life Insurance

Term Life Insurance

Term life insurance is simply life insurance with a finite time period of coverage. You purchase a term policy with either 10, 15, 20, 25 or 30-year terms. The premium is level throughout the term and at the end of the term, you have the option to renew the coverage...

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Survivorship Life Insurance – What You Should Know

Survivorship Life Insurance – What You Should Know

Survivorship life insurance, also known as joint survivor life insurance or second-to-die life insurance, insures two lives and pays the death benefit upon the death of the second insured person. This type of policy is typically used for estate planning purposes but...

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Return of Premium Term Life Insurance

Return of Premium Term Life Insurance

One of the benefits of a permanent life insurance policy (whole life or universal life) is that, in addition to providing a death benefit, it can also accumulate a cash value, which can be accessed in later policy years. Term life insurance, on the other hand,...

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Mortgage Life Insurance

Mortgage Life Insurance

  Mortgage life insurance is a life insurance policy that is designated and used to pay off your mortgage in the event of your death. It typically provides coverage for the same amount of time as your mortgage. Subsequently, if you take out a mortgage for 15, 20,...

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Is there an Age Limit for Life Insurance?

Is there an Age Limit for Life Insurance?

They say that age is nothing but a number, but for those looking to purchase life insurance, age can become a determining factor in their decision to obtain coverage. Premiums become higher as we age, however, is there an age where you are essentially too old for life...

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What if My Beneficiaries are Minors?

What if My Beneficiaries are Minors?

Because we write a lot of life insurance for families with young children, this question comes up frequently. As you have purchased life insurance to protect your family's financial future, it is important to ensure that your minor children are properly covered...

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Your Family, The Funeral: Choosing Roles and Obligations

Your Family, The Funeral: Choosing Roles and Obligations

Nothing is more difficult than trying to deal with funeral arrangements among family members when you're grieving over the loss of a loved one in the family. Everyone experiences grief and pain in different ways, and sometimes even the family's acknowledged leader...

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Comparing Permanent Life Insurance Policies

Comparing Permanent Life Insurance Policies

Once you understand the differences between term life and permanent life insurance policies, choosing the permanent life insurance option that best meets your needs requires an understanding of the difference between these types of policies. Many people automatically...

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Prepare Now for Your Parents’ Long-Term Care

Prepare Now for Your Parents’ Long-Term Care

We'd all like to be able to provide for our parents as they grow older, but today's younger generation is more uncertain of their finances than ever. According to the Federal Reserve, the average U.S. household carries more than $15,000 in credit card debt, and...

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How Life Insurance Can Benefit Same-Sex Couples

The New York Times recently an article calculating the average costs incurred by same sex couples when compared to their heterosexual counterparts and found that an average same-sex couple will end up paying anywhere from $30,000 to nearly $212,000 over a lifetime...

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Are you Prepared for Death?

Before you start looking at the religious and philosophical answers to this question, I have to quickly warn you that this discussion leans more toward the material than the spiritual. What I am going to address today are those actions one should do prior to one's own...

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Get In Touch

To get more information about purchasing life insurance with severe medical conditions, contact an insurance professional at LifeInsure.Com today at (866) 691-0100 during normal business hours, or you can contact us through our website 24/7.