Articles

• Why Do I Need Life Insurance Anyway? - Life insurance can protect your family against the potential financial devastation due to the loss of the breadwinner in the family.
• How Much Life Insurance Do You Really Need? - Calculate your families precise needs to figure out how much life insurance you should buy.
• Biggest Life Insurance Mistake - A life insurance purchase is for life, which means there are no 'small' mistakes when purchasing it, only big, costly ones.

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• Life Insurance Calculator - Find out how much life insurance you really need!

Podcasts

• Getting the Life Insurance You Need

Financial Tips

• Life Insurance Can Be the Gift That Keeps on Giving - A life insurance policy naming a favorite charity as the beneficiary is an easy way to leave a significant donation if you do not have the money right now.
• How Much Life Insurance Do You Need? - The problem with a rule of thumb is that it may not be appropriate for your particular financial circumstances.
• Avoiding Taxes on Cash Value Policy Withdrawals - If you need to tap into your cash value life insurance policy, here are some tips help you withdraw funds without being taxed.
• 'Life' Insurance - When You Don't Die - Disability insurance covers your expenses while you are alive; if you become incapacitated, disability insurance could help save your financial life.
• Check Your Beneficiaries - Creating a Will is a great way to be sure your wishes are carried out, but keep in mind a Will is not always the final word on your intentions.
• When You No Longer Need the Policy - If your kids are grown and your family has plenty of assets to fall back on if you pass away, you may no longer need to maintain a whole life insurance policy.

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Articles

• Which Life Policy is Right for You? - The Life Insurance policy you choose needs to fit you like a glove. The choice is made easier when you have a clear understanding of your own needs, priorities, preferences, and outlook on the future.
• Term Life vs. Whole Life Insurance - The determination of whether to buy Term or Whole Life comes down to several key factors, such as the actual purpose for life insurance, the length of time it's needed, your age, your budget and health considerations.

Financial Tips

• When Not to Replace a Whole Life Policy - Adding an insurance policy is often a better choice than replacing a whole life policy. If you need more insurance, consider a term policy.
• Think Twice about Accidental Death Life Insurance, Too - Standard life insurance policies, as well as those offered by employers, generally cover accidental deaths, making additional insurance unnecessary.
• Do You Need Flight Insurance? - You generally do not need additional insurance when taking a plane trip. Your life insurance policy should cover you in the event of a catastrophe.
• Blend your Life Insurance for Best Protection at Lowest Cost - The idea behind the blended plan is to split the coverage between permanent coverage which increases over time, and term coverage which decreases over time.

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Articles

• How to Purchase Life Insurance? - A life insurance purchase is never simple, but by doing some homework on the types of plans available, the best companies to buy from, and discovering your needs for protection, you will be in a better position to make the right choice.
• How to Choose the Right Life Insurance Professional? - Get a referral from someone you trust on a qualified life insurance professional. A broker has access to more options than an agent to match up with your specific needs.
• How Life Insurance Application Process Works? - The process of applying for life insurance will often require medical exams and your results will determine whether or not you will be covered or what your premiums will be.

Financial Tips

• Why You May Need Permanent Insurance instead of Term - Here are four reasons why you might need to consider permanent life insurance coverage.
• Your Needs May Be Different than Your Agent's Interests - Make sure the life insurance policy your agent suggests is the right decision for you and your family.
• Use the Trial Period - Use the thirty-day trial period to evaluate your life insurance policy. If it doesn’t work for you, your premium may be refunded.
• Late Premium Payment? You May Still be Okay - What happens if you do not pay your life insurance premium on time?
• Not Sure? Check the Ratings - checking life insurance provider ratings, financial health, and ability to pay out on claims is not scary like you think.
• Preparing for the Physical - Life insurance policies typically require a physical (unless the policy is part of your employee benefits plan at work).

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