Return of Premium Term Life Insurance

ROP Term is a term life insurance product that provides a death benefit protection


Why People Buy Life Insurance the Three Basic Categories

People buy life insurance because the odds of your house being destroyed by fire


Why People Buy Life Insurance?

    That’s easy to answer. It is hard to plan for the unexpected. Life insurance protection


Who Do I Buy My Life Insurance From?

Option One – Buying through a life insurance company. The policy is your own individual policy. You own the policy – you have complete control over it. You have a premium rate that is guaranteed in advance, the insurance company cannot decide to change it. You may purchase any amount of coverage. You have flexibility […]


Why Buy a Life Insurance Policy?

You’re relatively young and fairly healthy, so why buy a life insurance policy now?


Determining Your Life Insurance Coverage Needs

Like auto insurance coverage, it is sometimes difficult to see the true value of life insurance coverage until you actually need it. In the meantime, the only way you will feel comfortable with your life insurance policy is if you understand, and agree with, the reasons you bought it in the first place. There are […]


Term Life Insurance Glossary

Accidental Death Benefit: An extra death benefit amount that is paid out in addition to the face amount of the policy if the insured dies by accidental means. It cost extra to get this benefit, and usually cannot exceed $250,000 to $300,000, and cannot exceed more than the face amount of the policy. Accelerated Death […]


Advantages of Online Term Life Insurance Quotes

Term Insurance Quote is essential for your life and that of your loved ones. At this point you already know the type of policy that suits you and the benefits you want from the term insurance cover. Getting the most affordable quote for your cover is all you need to have in order to be […]


10 Reasons to Buy Life Insurance

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Knowing the Whys and Whats of Life Insurance

Knowing the Whys and Whats of Life Insurance Article by Emmanuel Ibiam Life insurance is essential for financial planning, and is one of the most common types of insurance that people purchase. Purchasing one is not something that is done on a whim, but is something that needs a lot of forethought and research. You […]


Non Life Insurance in US

Non Life Insurance in US Article by harinadhroy Insurances which are generally coverage’s on one’s life or material objects is generally segregated into life insurance and non-life insurance. Non life insurance would basically mean any insurance coverage other than life insurance which could include home insurance, pet insurance, automobile insurance or medical insurance for that […]


Should you Buy Term Life Insurance and Invest the rest?

Should you Buy Term Life Insurance and Invest the rest? Article by Denise The pros and cons of Permanent and Term Life Insurance have been debated extensively. Term life insurance premiums are cheaper, but have no cash value attached. On the other hand permanent life insurance premiums are higher because the insurance company invests a […]


Beginner’s Guide to Life Insurance – Part 1

Beginner’s Guide to Life Insurance – Part 1 Article by William Ashworth Life insurance is protection against financial loss resulting from death. It is an insurance company’s promise to pay your beneficiary a specific amount of money when you die in exchange for timely payment of premiums. Although you may not think about it, your […]


Unemployment Rate indicates need for Life Insurance

Unemployment Rate indicates need for Life Insurance Article by Denise Mancini Has unemployment made you wary of new investments? Are you struggling to keep up with monthly expenses, and have you stretched your budget way beyond its limits? In times like this, it is natural for people to prioritize their expenses, and more often than […]


Five Things Everyone should know about Life Insurance

Five Things Everyone should know about Life Insurance Article by Denise Mancini Life insurance is one of life’s major decisions, often likened to a precious and lasting gift for one’s family. Despite the importance of this heartfelt gift, there are a few things about life insurance that few are aware of. Here is a list […]


Should Seniors Opt for Term or Permanent Life Insurance?

Should Seniors Opt for Term or Permanent Life Insurance? Article by Denise Mancini Life insurance policy needs are usually different at different stages of an individual’s life. When you’re just starting out as a young, single adult, you may see little use in getting your life insured.As you grow older, so do your responsibilities. You […]


Danger Zone: Obtaining life insurance when you work in a high-risk environment

Danger Zone: Obtaining life insurance when you work in a high-risk environment Whether you’re headed to Haiti as a volunteer helping to restore the earthquake-ravaged country, or to Iraq as an employee rebuilding its infrastructure, or even off the shores of Somalia as ship crewmember and scuba diving adventurist, you or your boss will most […]


Ways to Save on Life Insurance Costs

Ways to Save on Life Insurance Costs Article by Denise Mancini A tough economy coupled with a maxed out job market has changed the way Americans spend their money. While the good news is that more and more people are now saving money for a secure future, the not so good news is that they […]


Importance of Binding Life Insurance Coverage

Importance of Binding Life Insurance Coverage Article by Denise Mancini Everyone who applies for permanent or term life insurance should consider the importance of binding life insurance coverage. Processing your life insurance policy can take up to 60 days. During this period you are left without coverage which is not an ideal situation. Events in […]


7 Life Insurance concepts every individual buying a policy must know

7 Life Insurance concepts every individual buying a policy must know Article by i-save The need and importance of having adequate financial cover in the form of life insurance has been talked and written about enough over the last few years in India. While more and more people are realising the importance of securing their […]