Why Cheap Term Life Insurance Isn't Always So Cheap
Showing posts with label Cheap term. Show all posts
Showing posts with label Cheap term. Show all posts
Saturday, October 31, 2015
Thursday, June 26, 2014
Critical Illness Life Insurance
Renewable Term Life Insurance With a Bonus -- Critical Illness Life Insurance Covers Your Life & Your Lifestyle with Death Benefits & Living Benefits. What Are Living Benefits & Why Do I Need...
Get a free quote - http://yourlifeinsurance411.com
Monday, June 9, 2014
Quality of Life Insurance Overview
Quality of Life Insurance Overview
Traditional life insurance is designed to provide security for your loved ones in the event of your premature death... but what if you could get life insuran...
Get a free quote - http://yourlifeinsurance411.com
Saturday, May 17, 2014
Term Insurance Vs Permanent Insurance
Get a quote - http://yourlifeinsurance411.com When you are shopping for life insurance, a lot of people are not aware of some very simple differences between term insurance vs. permanent insurance.
Get a free quote - http://yourlifeinsurance411.com
Term Insurance Vs Permanent Insurance
Tuesday, January 15, 2013
Million dollar life insurance policy ~~ how much is enough
Million dollar life insurance policy
Is the life insurance you have adequate?????Watch this video below.
Million dollar life insurance policy
What is your plan? Do you have a plan? CLICK HERE - Because you care.
Million dollar life insurance policy
Thursday, January 3, 2013
Why is life insurance so important?
Why is life insurance so important?
Do you have a plan? What is your plan?
Thursday, December 20, 2012
Is life insurance worth it....
Is life insurance worth it
Is life insurance worth it
Why should you buy life insurance today. Watch this clip.
Is life insurance worth it
What is your plan? Do you have a plan? Click here - Because you care.
Wednesday, December 12, 2012
Term Life Insurance for Christmas
All I Want For Christmas is…Life Insurance?? Term Life Insurance for Christmas
I doubt it’s on anyone’s Christmas list this year, but life insurance could make a great gift for your loved ones. Sure, it’s not as exciting as the latest video game system or I-phone, but in many ways life insurance is one of the most loving gifts you can give your loved ones.
“Life insurance isn’t glamorous, it’s just needed” says Julie Halgren, director of protection products for Thrivent Financial for Lutherans. “Not only can it assist families in paying for final expenses, but with the right amount it can pay off debt from credit cards, car loans or even one’s mortgage.”
“Equally important, it can replace lost income and fund long-term goals like retirement or the children’s college education. People often under-estimate the extent to which a premature death affects a family’s income and assets.”
As a parent, the idea of life insurance is pretty simple. Set up a policy for yourself and name your spouse or children as your beneficiary and they receive the death benefit in the event of your death.
None of us are getting out of here alive. What a great present then Term Life Insurance for Christmas
Unfortunately, according to an article in the USA Today, “The percentage of U.S. households with life insurance coverage is at its lowest in 50 years, leaving millions of families without a safety net.” LIMRA, a life insurance and financial services trade association recently found that about 70 million American adults have no life insurance coverage at all and many who do have life insurance have less than is recommended. It's time to get Term Life Insurance for Christmas
The amount of life insurance you need depends on many factors. Yourinsurance411.com can assist you in addressing “how much” and “what kind” of insurance is appropriate for your needs.
A good start is a term life insurance plan. They are simple to understand and by far the most affordable. Click here to shop and compare life insurance quotes to find the one that best matches your needs.
Term Life Insurance for Christmas
Wednesday, November 21, 2012
Why do you need life insurance
Why do you need life insurance
Happy Thanksgiving
Why Buy Life Insurance - Click below
Why do you need life insurance
What is your plan? Do you have a plan? Click here - Because you care.
Why do you need life insurance
Tuesday, October 30, 2012
Buy term life insurance online ~~ Hear Melissa's story
Buy term life insurance online
Hear Melissa's story.....
Term life insurance provides a cost-effective solution to your temporary life insurance needs and gives you the flexibility to change your policy should your temporary needs turn into permanent goals.
Term life insurance is right for you if you want an affordable way to get maximum coverage. It is very effective in covering specific financial responsibilities like a mortgage or college expenses. Term life insurance can also be an excellent supplement to your permanent life insurance during periods when coverage needs are higher, such as family-growing, mortgage-paying years.
Term life insurance is exactly as the name implies – a life insurance policy that provides death protection for a stated time period, or term. Term life can be constructed for varying lengths ranging typically from 10 years to 30 years. One of the reasons term life is so popular is that it can be purchased in large amounts for a relatively small premium.
Term life is different from traditional whole life insurance in several ways. These features of term life make it attractive to those with shorter-range life insurance goals to consider. Here are a few characteristics of term life that you should know before buying:
• Guaranteed level term premiums that can remain the same over the duration of the term. This assists with budgeting.
• Convertibility. Policies can be convertible from term to permanent policy up to age 75 (or higher) in most states.
• Renewability. The policyholder can continue coverage (without proof of good health) past the original coverage period of the policy with a premium increase.
• Accelerated Death Benefits. you can purchase a rider that allows you to collect a portion of your benefits while still alive if you are diagnosed with a terminal illness.
• Disability Waiver of Premium. This rider waives premiums when you suffer a disability lasting six months or longer.
• Accidental Death Benefits. You can purchase a rider that doubles or triples your benefit in the case of death by accidental means–so your benefit can increase when you are younger and more likely to die in an accident than from illness.
• Convertibility. Policies can be convertible from term to permanent policy up to age 75 (or higher) in most states.
• Renewability. The policyholder can continue coverage (without proof of good health) past the original coverage period of the policy with a premium increase.
• Accelerated Death Benefits. you can purchase a rider that allows you to collect a portion of your benefits while still alive if you are diagnosed with a terminal illness.
• Disability Waiver of Premium. This rider waives premiums when you suffer a disability lasting six months or longer.
• Accidental Death Benefits. You can purchase a rider that doubles or triples your benefit in the case of death by accidental means–so your benefit can increase when you are younger and more likely to die in an accident than from illness.
Term life is a shorter-term solution that can be terminated when the need for it is over and can be increased when the need for it is greater.
Buy term life insurance online
Typically, term life insurance is purchased when lifestyle changes prompt clients to consider purchasing term life insurance:
• Making Significant Purchases. Buying a new home, new vehicle, or other “major” purchases that would leave your heirs in a bind should you pass away. These purchases should prompt a review of your insurance situation.
• Extra Protection for child-rearing years. Adding coverage is appropriate for parents on a tight budget who require solid protection for their children.
• Covering College Tuition. With the cost of four years of college at 30,000 or more, term life can ensure that your children can attend and finish school.
• Extra Protection for child-rearing years. Adding coverage is appropriate for parents on a tight budget who require solid protection for their children.
• Covering College Tuition. With the cost of four years of college at 30,000 or more, term life can ensure that your children can attend and finish school.
What is your plan? Do you have a plan? To start - CLICK HERE - Because you care
Buy term life insurance online
Wednesday, October 17, 2012
The Most Popular Reason to Purchase Life Insurance is….
The Results are In: The Most Popular Reason to Purchase Life Insurance is….
Marriage prompts more life insurance purchases than any other life event, according to a new poll from Northwestern Mutual. The survey of more than 2,000 American adults found that 32 percent of those who purchased life coverage on their own, as opposed to through an employer, did so as a result of getting married.
Other popular reasons for getting life insurance coverage were planning for retirement (25 percent) and becoming a parent (22 percent).
On the flip side, another recent poll looked at reasons people cite for not purchasing life insurance. The 2012 Insurance Barometer Study found that “other financial priorities” were named by 85 percent of people without life insurance as the main reason they lacked the coverage.
The study, sponsored by the non-profit Life and Health Insurance Foundation for Education (LIFE) and LIMRA, a life insurance marketing association, also found that the second-leading reason people gave for not buying coverage, picked by 83 percent, was that it’s “too expensive.”
LIMRA said that 95 million Americans, a third of all U.S. households, have no life insurance. The number of insured is also growing. Today 11 million fewer American households have life insurance compared to six years ago, according to LIMRA.
Why Purchase Life Insurance Now?
Results of both these recent survey suggest prospective life policyholders have some inconsistencies in their knowledge about life insurance.
For instance, getting married is probably a sound reason for purchasing life coverage, since new spouses now have someone else depending on them.
Marriage also may involve large joint purchases, such as buying a home. So one’s unexpected death could easily create a financial hardship that would be mitigated by life insurance. The Most Popular Reason to Purchase Life Insurance is…
But Insurance Barometer survey respondents who said life insurance was too expensive probably weren’t well acquainted with the fact that, according to LIFE, life insurance premiums at the moment now are lower than they normally are.
Married or single, with kids or without, near retirement of just starting out, life insurance has rarely been a more affordable option, the group said. The Most Popular Reason to Purchase Life Insurance is…
What is your plan? Do you have a plan? CLICK HERE – Life Insurance ~ Because you care.
Wednesday, October 10, 2012
These are the cold hard facts about life insurance
These are the cold hard facts
If we knew when we were going to die it would make family planning very easy. That way we could buy a bunch of life insurance the day before we die.
Now if that is the case, why wouldn’t you buy it now? Easy answer – the money. “I don’t know how long I will have to pay for this." Now if we did know the date of your death and you bought it the day before, you are asking the life insurance company to pay your family a big chunk of money and you paid nothing for it. How long would any insurance company remain in business?
We hear this all the time. “The only two things that is for sure are death and taxes.” We pay our taxes because it is the law and you don’t want to go to jail. We are forced to pay our taxes. This is a chunk of money going to support everyone else. Now when it comes to our death we are willing to take the risk and have just enough or no life insurance at all. Is that putting your family at risk?
Denial plays a very big part of our life insurance planning. “Nothing is going to happen to me.” “I can get to it tomorrow.” “I have some at work.” We pay are taxes, maybe regrettably, but we pay them. But little or no time and investment is made in your family to make sure they are provided for when you die.
“My wife will get social security.” If this is your plan, do you know what that amount is? By the way the average monthly amount is $1,500. Is this enough to support your family in the fashion they are accustomed to?
These are the cold hard facts about life insurance
A $500,000 death benefit will provide for your family a tax free income of $50,000 a year for 10 years. Is this good for you? Is this good for your family? Then what happens at the end of 10 years?
Over my 25 years of selling life insurance, some of my clients have died, they were not planning on it.
A lot to think about or you can just keep going down the river of denial. It is up to you.
These are the cold hard facts about life insurance
I have over $1,000,000 of life insurance on myself to protect my family.
What is your plan? Do you have a plan? CLICK HERE now. Life insurance – Because you care.
Wednesday, September 12, 2012
Life Insurance Quotes
Life Insurance Quotes
Free Life Insurance Quote
You know that having insurance is important, but it can be pricey sometimes. If you want to save money on insurance, one of the best things you can do is shop around, getting different quotes.
Life Insurance Quotes
Click Here for a FREE Quote - Because you care.
Life Insurance Quotes
Wednesday, August 29, 2012
5 things not sexy about managing your money
5 things not sexy about managing your money
1.Not checking your credit report.
It is so simple, go to – www.annualcreditreport.com It is F*R*E*E.
2.Not saving enough.You should set aside at least 20% per year. Put in something that is safe, guaranteed and has a predictable rate of return.
3.Not teaching your children about money.
Do you want them to be able to support themselves? Plus they might be taking care of you someday.
5 things not sexy about managing your money
4.Not putting enough in an emergency fund.
What is your plan if you need cash - fast.
5. Not having enough life insurance.
If you believe you are not going to die – ignore this one. If you do believe you will someday meet your maker and you have no savings, no emergency fund and no credit – how is your family going to survive?
Click here – Because you care.
5 things not sexy about managing your money
Wednesday, August 22, 2012
35 million households are without this...
35 million households are without this...
Between school plays, soccer games and that little thing called “life”, many of you neglect to get the right amount of life insurance coverage. Or worse – have ZERO coverage!
In fact, it’s estimated that 35 million households don’t have any life insurance.
Did you catch that?
They ain’t got nothin!
35 million households are without this...
35 million households are batting .000 on their life insurance.
For those that do have life insurance, it’s estimated that 58 million households believe they don’t have enough.
Is this you? If so, you can do something today.
Wednesday, August 15, 2012
I don’t love my family…
I don’t love my family…
“The life insurance I get from work will be enough.” How much is that? “I don’t know.”
I don’t love my family…
“Those insurance companies are ripping me off. I’m not going to buy life insurance.”
I don’t love my family…
“I don’t want to leave behind a rich widow.”
I don’t love my family…
“The government will take care of them”
I don’t love my family…
“Life insurance is too expensive.”
I don’t love my family.
“I’ll just get it when I am older.”
I don’t love my family…
“I’m not going anywhere – why do I need life insurance.”
I don’t love my family…
“My parents didn’t leave me any life insurance – why should I buy some.”
I don’t love my family…
“It will probably expire before I die.”
I don’t love my family…
“I think I have enough life insurance.”
Is this you? What is your plan? Do you have a plan? Click here – Because you care.
Thursday, August 9, 2012
Life Insurance allows a Dad to be a Dad
Life Insurance allows a Dad to be a Dad
Mary & George always managed to make the best out of challenging situations. They found their first house, an abandoned century-old Victorian, on the site of a new mall. They paid to have it moved six miles away to a new lot, and with extensive renovations it became their dream home. When Mary lost her job as a computer support specialist at a local bank, she started her own consulting firm and it quickly became a more rewarding career.
Life Insurance allows a Dad to be a Dad
One of Peggy’s clients was an insurance agent. She took care of his computers, and he vowed to always take care of her family. When Mary’s business started to take off, he knew she needed more life insurance because her income had grown significantly. With his help, Mary doubled her coverage. Two years later Mary was diagnosed with breast cancer. To help pay her mounting medical costs, Mary was able to borrow against the cash value of several permanent life insurance policies she had owned for almost twenty years.
Life Insurance allows a Dad to be a Dad
Sadly, after a three-year battle, Mary died at age 48, leaving behind George and their four sons. George, 52, used the insurance benefits to repay the loans against her policies and other medical costs and debts that had accumulated during Mary’s illness. He also paid off half their mortgage.
Life Insurance allows a Dad to be a Dad
More importantly, the insurance allowed George to accept a lower-paying job closer to home. Now instead of a 70-mile commute and having to work 12-hour shifts and every other weekend, George works weekdays until 3:30 p.m. That gives him the freedom to be there when the boys arrive home from school, attend all their activities and fully participate in their lives. “That’s really important to me, and I know it would be important to Mary.”
What is your plan? Do you have a plan? Go to Your Life Insurance 411– Because you Care.
Life Insurance allows a Dad to be a Dad
Wednesday, August 1, 2012
Surviving a nightmare
Surviving a nightmare.
It seemed like just another day for Mark, his wife Sarah and their two daughters. The family was stuck in traffic near their suburban home when a violent thunderstorm hit. Nothing could have prepared Mark for what happened next. A tree fell on their car with horrible precision, instantly killing Sarah, 33, and their daughters, ages two and six months.
Mark had always believed he and Sarah would live to enjoy cheerleading, proms and grandchildren. Now he found himself alone, not sure how he’d pick up the pieces.
One thing that has helped is the financial planning he and Sarah began early on. Buying permanent life insurance was one of their first decisions. It provided protection while allowing them to accumulate cash value for future needs. Later, the couple bought additional coverage to protect their thriving graphic arts business and growing family.
Since the accident, the life insurance has given Mark time to grieve. “The money won’t bring Sarah and the girls back, but it makes the existence I find myself in easier. I don’t have to work while I’m not ready, or sell my house because I can’t afford the mortgage. I’ve been able to think slowly about my future.”
The insurance money has also helped keep the business running in Mark’s absence. And should he decide not to return, the buy-sell agreement he purchased will make it easy for Mark’s partners to buy his share of the business.
Surviving a nightmare
Mark states, “I know I’ll do better than survive. I’ll live and succeed in the second chapter of my life and make my family proud.”
What is your plan? Click here – Because you care.
Surviving a nightmare
Wednesday, July 25, 2012
What is purpose of life insurance
What is purpose of life insurance
It might not be for you but here are a number of reasons.
Your life insurance can be a sound financial investment and planning tool.
In the event of death, your life insurance policy can serve as replacement for some lost income so that your family and loved ones do not endure financial hardship.
A life insurance policy can pay for your final costs and expenses. Burial costs, estate planning, attorney and administration fees, debts, and medical expenses all contribute to high costs at time of death.
What is purpose of life insurance
Your decision to purchase life insurance gives loved ones the peace of mind that these financial burdens do not become lasting monetary hardship.
Your life insurance can also be an inheritance to your heirs, even if you have no assets at time of death.
Your life insurance policy can also act as a savings account in some instances, which can be withdrawn or borrowed at your request.
Your life insurance can also be used to make a planned charitable contribution at the time of your death.
What is purpose of life insurance
Your decision to purchase life insurance should not be taken lightly. If you have questions on how to buy life insurance or questions regarding the process to buy life insurance, click on – Your Life Insurance 411
Because you care.
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