Can you imagine a future where you’re unable to go about your daily routine and need assistance to carry out elemental tasks like eating, bathing, and walking? Hard to picture, right? That is, perhaps, the main reason most of us have never seriously considered a product like long-term care insurance, yet current microsimulation models reveal[…]
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Should You Ignore Basic Life Insurance Advice and 10X Your Coverage?
Yeah, yeah…I’m sure you’ve heard the basic life insurance guidelines that say you should purchase 5 – 10 times your gross salary in coverage. ….hey wait a second, that’s a HUGE disparity. What sorta guidelines are those? The real question is, if you died today, is your policy sufficient to keep your family in the black? […]
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Buy Life Insurance…it’s a must. Can we just all agree on that?
Are you seriously asking me if you should buy life insurance? Let me give you some insight into just how clear my answer is to this question. If you have a car you buy car insurance. I mean, it’s a no-brainer, right? The thought of driving around in such an expensive machine without financial protection is ludicrous –[…]
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Globe Life Insurance Company: The Pros & Cons You Should NOT Overlook!
Sure Globe Life Insurance Company looks like a seriously GREAT option at first glance I mean who doesn’t want to pay $1.00 for $100,000 worth of coverage from an A+ Rated insurer? Not to mention the fact you don’t need to get a medical exam. Sheesh, you’ve got me hooked because this sure SOUNDS amazing. But is Globe Life[…]
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The Scoop on the Life Insurance & Long Term Care Insurance Combo
Recently, a number of major carriers started offering Long Term Care Insurance or Living Benefits as a low-cost rider to their life insurance coverage! Finally, an affordable way to help pay for some Long Term Care expenses. BUT is it too good to be true? Or maybe just a gimmick? The good news is yes[…]
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The Real Life Insurance Cost! Premiums to Fit Your Budget: $20, $50 or $100 Per Month
What’s the REAL life insurance cost? I mean seriously… …maybe you’re even worried that the premiums will break the bank! The thing is wayyy too many people think life insurance is more expensive than it actually is! Did you know a study by LIMRA found that 80% of people overestimate the price of life insurance… …by[…]
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Top Secret: YES You Can Buy Life Insurance In Just 15 Minutes!
Did you know you can buy life insurance in 15 minutes (give or take, depending on your personal circumstances and how quickly you can respond)? Yep! Don’t get me wrong the typical scenario is piles of paperwork, a medical exam and several weeks of processing. This isn’t necessarily an inaccurate picture! …BUT there is a way around some[…]
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A++ Life Insurance Company Ratings: Worth Their Weight in Gold or Simply Overrated?
A++ Life Insurance Company Ratings are where it’s at if you want security right? Imagine this scenario: You sign up for a 20-year term life insurance policy that promises great benefits and cheap premiums. The bad news: You make your payments on time every month and 15 years into the term and then you die[…]
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AICPA Insurance Review: Discounts, Fees, Pros & Cons
So what’s AICPA and what does it have to do with insurance? I was wondering the same thing myself until I did a little research. It’s the American Institute of CPAs. …and they offer a plethora of products to their members! Sometimes, insurance offered through a membership organization is a GREAT choice – but not always. Let’s[…]
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Infinite Banking – Pros & Cons of Using Life Insurance Like a Bank
Infinite banking has been around for a VERY long time. It’s a way to set up your own banking system by using dividend-paying, permanent life insurance as a savings vehicle. There are some great reasons to do this including tax-free access to your money – but it’s NOT for everyone. Click below to find out[…]
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