Most life insurance companies sell both life insurance policies and annuities. Both require you to be in good health to get the best rates. And both provide financial security. But they play very different roles in your financial portfolio. Continue reading “Annuities vs. Life Insurance”
Nobody likes to think of their eventual demise, but having the proper arrangements and finances in place can be a final act of love for your family.
The need to plan and pay for a funeral can come up suddenly,
According to the Bureau of Labor Statistics, 72 percent of all full-time employees in private industry had access to life insurance through their employer. Group life has its pluses, but most families will need additional coverage. Here’s why. Continue reading “Life Insurance: Why Group Benefits Aren’t Enough”
Electronic cigarettes, or e-cigarettes, are growing in popularity. How will they affect your health…and your insurance coverages?
Tobacco vs. E-Cigarettes
Cigarette smoke contains more than 4,700 chemical compounds, Continue reading “E-Cigarettes and Your Health”
For many people, a chronic condition such as heart disease or cancer starts a downward spiral of declining health and rising bills. A life insurance policy can help you improve end-of-life quality—here’s how. Continue reading “Life Insurance Benefits for the Living”
Getting life insurance through a group plan is easy. Just being a member of the group qualifies you for at least a minimum limit policy. If you want higher amounts of coverage, though, you will probably need an individual policy. Here’s what to expect when you apply for life insurance on the individual market. Continue reading “What To Expect When You Apply for Life Insurance”
Life insurance does more than protect families from the financial costs of a breadwinner’s untimely death. It can also help individuals make a substantial bequest to a favorite charitable organization and possibly enjoy a tax break as well. Continue reading “Using Life Insurance for Charitable Giving”