Buy Term Life Insurance-And A Caveat

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Maybe you’re young and just starting a new family, or maybe you’re older and thinking about protecting your family’s financial future for the long-term. Either way you realize that life insurance is a critical component of long-term financial planning of responsible people. The question is should you buy term life insurance, or would it be better to go for some form of permanent life insurance? I’ll attempt to answer this question in this short article, as well as describing a couple of absolutely critical things to look at if Continue reading “Buy Term Life Insurance-And A Caveat”

Mortgage Life Insurance Leads-An Outline For Agents

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A mortgage can be defined as a kind of loan which is obtained to purchase a property. However, the term mortgage can also be used as an act of keeping a property as collateral for debt repayment. There are home buyers who borrow 90% to 95% or even more of the value of the property and are then tempted to obtain a life insurance policy for themselves to cover the repayment of the borrowed amount in the event that they pass away before the mortgage is fully paid off. At stake is Continue reading “Mortgage Life Insurance Leads-An Outline For Agents”

Life Insurance For Elderly People

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It’s no secret that it becomes harder and more expensive to get life insurance as you get older. Life insurance companies prefer to cater to younger people who have a good chance of outliving their term life policies or paying into whole life policies for several decades. But this isn’t to say you have no options if you would like to use an insurance policy to take care of your final expenses while you are still alive, or leave a payout of some amount to your heirs when you pass away. Continue reading “Life Insurance For Elderly People”

Exploring the Advantages of Whole Life Insurance

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Two main types of life insurance exist: whole life insurance and term life insurance. Term life insurance provides coverage for a specified number of years. This type of insurance plan does not develop a cash value. The whole life insurance definition on the other hand, provides an individual with coverage for either their whole life or until they reach the age of 100. Whole life insurance plans develop a guaranteed cash value. Continue reading “Exploring the Advantages of Whole Life Insurance”

Over 50 Life Insurance Tips

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As people now live longer than ever before, it is not surprising that insurance companies have changed the products that they offer policyholders. It used to be that if you were over 50 life insurance was going to be an expensive proposition, and the choices that you would have in terms of the policies available to you would be pretty limited. The problem was that to give relatively low-premium term insurance with no cash value to people who were fairly likely to die within the term of the policy was not very Continue reading “Over 50 Life Insurance Tips”

Life Insurance Leads-A Guide

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Whether you are an established life insurance agent looking to expand your business, or a new agent trying to create some momentum, you have to be aware of the potential that the web has in helping you acquire life insurance leads that you can convert. The process of essentially outsourcing this vital part of your business can get very expensive quickly in terms of both time and money if you aren’t careful. On the other hand, finding your own leads can take you away from what you do best: actually selling to qualified life insurance leads. In this Continue reading “Life Insurance Leads-A Guide”

High Risk Life Insurance Guide

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When it comes to purchasing life insurance, do you think that you are out of luck because of a medical condition or because you have a lifestyle that involves activities that might be considered ‘risky’? Well, think again, because high risk life insurance policies are sold every day to people who fall into one of these categories. I want to outline a strategy that you can use to Continue reading “High Risk Life Insurance Guide”

Benefits of a Permanent Insurance Policy

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Most everyone needs a life insurance policy at some point or another, especially those with young families. It doesn’t matter who you are, at some point the need will arise for one, and when it does, you will need to decide what type of life insurance policy you want to have. Continue reading “Benefits of a Permanent Insurance Policy”

Low Cost Life Insurance Guide

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Many people neglect to even research taking out a life insurance policy, simply because they think these policies are too expensive to fit comfortably into their budget. However, it is still possible to find low cost life insurance. Just do a quick online search and you’ll be amazed by the amount of coverage you can buy for just pennies (or at least nickles) a day. But now I’m going to tell you why blindly rushing ahead and buying one of those policies sold just on the basis of their cost is the wrong thing to do. Continue reading “Low Cost Life Insurance Guide”

Over 50s Life Insurance Guide

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Times are changing in the insurance industry. People live longer, and stay in better health on average, than they used to. Naturally insurance companies recognize this and have adjusted their life insurance offerings accordingly. Maybe you find yourself without coverage after paying into a term life policy for 20-30 years, or maybe you just never thought too much about insurance when you were younger. The good news is that because of  Continue reading “Over 50s Life Insurance Guide”