Next to the cost factor, submitting to a medical exam is probably the biggest reason people avoid buying life insurance. It may be the fear of all things medical – yes, “white coat syndrome” is a real thing – or the concern that a medical exam will detect a health condition you’d rather not know[…]
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Annual Renewable Term Life Insurance
You probably know the basic difference between whole life insurance and term life insurance. Whole life insurance is permanent coverage, with a fixed premium, and a cash value accumulation feature. Term life insurance is temporary coverage, generally lasting for between five and 30 years. It has no cash value accumulation, which is why it costs[…]
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Decreasing Term Life Insurance
Many consumers see life insurance as a specific product. At most, they may be aware that there are two basic types: term life insurance and whole life insurance. But the reality is that there are many different types of life insurance. So many, in fact, that it’s possible to customize a life insurance policy to[…]
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Life Insurance for Commercial Fishermen
If you’re a commercial fisherman, you probably already know that it’s one of the most dangerous occupations there is. In fact, according to a government source, it’s the second most dangerous general occupational category in America. That can create some complications when it comes to life insurance for commercial fishermen. Coverage is available, but you[…]
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Life Insurance for Steel Workers
Most consumers know that factors like personal health conditions, your family’s health history, and even certain personal habits (like smoking) and hobbies can have a major impact on your life insurance premiums. But did you know that your occupation may also be a factor? That’s certainly not true of all occupations, but there are several[…]
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What is a Term Rider?
It’s common to think of a life insurance policy as having three basic parts – the death benefit, a premium, and in the case of whole life insurance, a cash value accumulation feature. But those are just the foundations. Nearly any life insurance policy can be customized by using one or more of a variety[…]
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PetPlan Pet Insurance Review
PetPlan is a reputable pet insurance company that can provide coverage for your pet. However, several of their competitors may offer more coverage for a comparable price. To understand if PetPlan is the right insurance company for you, we examined their policy plans and coverage options, sample quotes and market pricing, their application and claims[…]
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Life Insurance for Police Officers
If you’re a police officer with a spouse and/or a family, you’ve probably given some serious thought to the amount of life insurance you have. After all, the occupation you work in is more hazardous than most. And for that reason, you probably also wondered what the complications of purchasing life insurance for police officers[…]
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Life Insurance for Firefighters
If you’re a firefighter, you may be wondering if it’s possible to get life insurance for firefighters. After all, firefighting is considered a more dangerous occupation than most. While that’s certainly true, it will not prevent you from purchasing private life insurance. Life insurance companies underwrite policies for firefighters all the time, and the differences[…]
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Life Insurance for Construction Workers
Did you know that your occupation could affect the premiums you pay for life insurance? And, one of the highest-risk occupations is construction worker. That’s why life insurance for construction workers requires special handling. It’s not that you’ll be turned down for a policy, but rather that you’ll likely pay a higher premium than someone[…]
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