Life Insurance Choices and Annuity Investments

Life Insurance for the Stay-at-Home Spouse

Most families purchase minimal life insurance for the stay-at-home spouse. They feel this would be sufficient to take care of the basic tasks, at least until the youngest child is out of school. But what about the child's emotional loss from their deceased stay at home parent? 
Can hired help really take care of those needs? 
What if the working parent realized they needed to be the stay-at-home parent for a while... would there be enough life insurance to cover the working parent's wages?

Could Your Life Insurance Company Fail?
Life insurance is supposed to be the back up plan for our losses. But, have you ever thought about what would happen if your life insurance company went bankrupt? 
Unfortunately most people don't realize life insurance companies could fail just like the bank failures we have been through.

Shopping for Life Insurance Quotes

You have decided to shop around for life insurance quotes. Want to save a few thousand dollars on your next life insurance policy? Well, think about how long you pay for life insurance and how much of a life insurance quote difference of $5 per month would make over a 30 year term life insurance policy. Now take that figure ($1800) and think about how much more that would be if you would have had it to invest. It really adds up!

Tough Times and Life Insurance: When is it Time to Cancel the Life Insurance?

When tough economical times come, many households find ways to cut expenses. Salary cuts and job losses are among the many reasons why expenses need cut, but when the question to cut life insurance arises you may want to think twice before you choose to cancel your life insurance policy.

What You Need to Know Before You Meet with the Life Settlement Company

Do you have a life insurance policy and have considered cashing out or a life settlement? If you have a severe medical condition, terminal illness or are facing your later years in life you may have considered such options as life settlements or viatical settlements. Understanding what is the best option for you starts with research.

You Purchased an Affordable Life Insurance Policy, Now What?

Maintain my life insurance policy? Yes! It is great that you found an affordable life insurance policy but purchasing your affordable life insurance policy is just the first step in being a responsible life insurance policy holder. If you want to get the most out of your life insurance policy there are steps you need to do in order to make sure your life insurance policy stays current and safe.

A Senior Citizen's Guide to Insurance Planning

Unfortunately, senior citizens are sometimes lured into insurance marketing proposals by insurance agents who only care about making money and not what is best for their customer. There are a lot of complex choices now when it comes to buying a new insurance policy or changing a current one so doing so should not be something a senior citizen should take lightly.

Life Insurance

A life insurance policy is so important, I feel it should be a law in all fifty states that parents and anyone who has someone depending on them should be required to purchase it. Life is so unpredictable and leaving your loved ones to grieve the loss of you on top of no financial support should never be an option.

Your Life Insurance Medical Exam

Now that you have decided to purchase life insurance you may be required to undergo a medical exam. The primary reason life insurance companies need to administer medical exams is to judge how much premium to charge a potential policyholder.

Finding Financial Peace and Freedom: A Five Step Guide

There are thousands of financial tips and secrets out there to scare away anyone just trying to find the basics of how to find a way to find a financial balance. Finding freedom from debt and having the right insurance protection will assure anyone a long-term financial freedom and peace.

How to Know if You Need Life Insurance

Life insurance is designed to protect your family and other people who may depend on you for financial support. Here are some guidelines to help you decide if life insurance is the right choice for you.

Term Life Insurance Shopping Guide

Term life insurance is an effective way to make sure your survivors will be well provided for without a hefty cost to you in premiums. It is very straight forward too: You buy a certain $ amount of insurance for a "term" of time (such as 10 or 20 years) for a specified monthly, quarterly, or yearly premium. Although term life seems simple enough, here are some term life shopping hints to help you save money and get the best policy for your buck.

Change Your Life Insurance Policy

If you are approached by a life insurance agent and asked to consider canceling your current life insurance policy in order to purchase a replacement policy there are a few things you should know first. Learn how to understand how changes will affect your life insurance and the warning signs to watch for.

How Divorce Changes Insurance Needs

Substantial life changes such as divorce bring about the need to reassess one's finances and insurance should be an important part of that financial reassessment. Here is help to start organizing your divorce insurance reassessment.

How to File a Life Insurance Claim

After a loved one dies, filing the life insurance claim can be confusing and difficult. Find out here what simple steps to take and find out who to contact if you cannot find your loved one's policy.

Life Insurance Needs

How much life insurance do you need? Use these two simple and quick estimate ideas along with suggestions for parents about choosing the best policy.

Is an Annuity Right For You?

Have you maxed out your 401K and IRA and need another tax-advantaged retirement vehicle that doesn't force you into contribution limits? Are you a doctor, lawyer, CPA, architect, or financial planner? If you answered yes to either of these questions, then you may want to look into an annuity.

Insurance Companies that Provide Domestic Partner Benefits

Here is a comprehensive list, by state, of insurance carriers that provide insurance for domestic partners. Providers on this list are for individuals and companies looking for group health plans and include various coverages such as medical, dental, and life.

State Specifics

All states have varying insurance laws.

Life Insurance Choices and Annuity Investments


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