February 10, 2014
Buying life insurance is like sending a love note from the Great Beyond, like a final gift to our loved ones saying, “I would give anything in the world to be with you, but since I can’t, I’ll do what I can and that’s making sure you’re taken care of financially.”
January 21, 2014
Editor’s note: Smoking is an expensive habit, given that a pack of cigarettes can cost anywhere from $5 in Kentucky to $14 in New York, but there are many other hidden costs, like the extra $50,000+ you might need to spend on life insurance over a 20 year term. The good news, after quitting for […]
October 28, 2013
Everyone who applies for life insurance is assessed for coverage. Insurers provide coverage and premium rates in accordance with an applicant’s risk level. To that end, insurance companies typically place applicants in categories relative to their risk which involves their health as well as lifestyle choices. Smoking, for example, as a behavior associated with health […]
July 22, 2013
A very simple yet often overlooked strategy could have helped avoid the unfortunate end to the previously happy story. A buy/sell agreement is a legally binding clause in a partnership agreement that controls what happens to a small business if one of the partners dies or otherwise needs to leave the partnership.
April 11, 2013
A rider is basically a provision that you can add to a life insurance policy that helps you customize it to make it best fit your needs. The rider provides additional benefits that the basic policy does not. Some you need to pay for, some are included at no cost.