How To Protect Your Mortgage With Life Insurance

People purchase insurance coverage to protect many different things, such as their health, their auto, and their home. But one item that oftentimes gets overlooked is the protection of their mortgage. Most people certainly work hard each month to pay their mortgage – especially because a home is typically the largest purchase that most people.. More

Should You Cancel Your Life Insurance Coverage?

In today’s tough economy, people are always seeking ways to cut costs. In many instances, people are doing away with expenses that they feel are not necessary – and unfortunately, life insurance coverage often falls into that category. While doing away with your policy may help to free up more funds over the short term,.. More

Why Your Life Insurance Premium Could Increase – And How To Avoid It

There are several reasons your life insurance premium increases. In a typical life insurance situation, your age, your health, and your lifestyle are big determinants of how long you are likely to live – and when they are all combined, these criteria can help the life insurance company to predict whether it may need to.. More

Life Insurance Policy Riders

Due in large part to the need for creative protection solutions, a number of specialized life insurance policy riders have been designed to apply coverage where additional financial protection may be needed by a policy holder. Life insurance policy riders can provide policy holders with additional benefits, as well as increase peace of mind that.. More

Combining Benefits for Life Insurance and Long-Term Care Needs

Although most individuals understand the need for insurance coverage, there are times when having numerous policies can seem overwhelming – as well as quite costly. For this reason, many have opted to obtain coverage for multiple insurance needs using one single policy. With a combination of life insurance and a long-term plan, a policyholder can.. More

Borrowing Funds from a Cash Value Life Insurance Policy

When funds are borrowed from a cash value life insurance policy, the policy holder will pay no income taxes. This is because these funds are treated as being a debt, and not a taxable distribution. A policy loan, however, should be paid back. This is because the balance on the loan will be charged interest… More

Partial Surrender of Life Insurance: Loans vs. Withdrawals

Life insurance policy owners who possess permanent plans are likely to have built up a significant amount of savings within their policies. This is especially the case for those who have held their policies for a long period of time. In order to access the cash that is inside of a permanent life insurance policy,.. More

Advantages Of Online Life Insurance Quotes

Shopping for life insurance can be a painful process. There are thousands and thousands of different companies on the market and dozens of different plans that you’ll need to choose from. It can be overwhelming and difficult to find the best policy, but it doesn’t have to be. The Internet has made shopping comfortable and.. More

How Much Life Insurance Coverage Do You Need?

When purchasing life insurance coverage, people will often make an “educated guess” regarding the amount of benefit that they need. In many cases, this estimate is based upon how much coverage is being offered in a group benefits plan, or on how much premium they can easily afford. While some amount of life insurance is.. More