February 6, 2013 
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With a Return of Premium (ROP) Term Life insurance policy, the insurance company will pay your beneficiaries the death benefit should you die before the end of the term. The benefit of this type of term policy is if you outlive the term of the policy, the insurance company will return to you 100% of [...]
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February 1, 2013 0 Comments
LIMRA Researchers Test Americans’ Life Insurance IQ – 70 Percent Fail Recently, LIMRA (Life Insurance and Market Research Association) provided a life insurance IQ test to 4,000 Americans to gauge their knowledge and understanding of life insurance. Less than a third (1,200) passed the 10-question exam and the majority (55 percent) answered fewer than five [...]
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January 30, 2013 0 Comments
Top Resource Internet Web Sites When a loved one needs Elder or Long Term Care it can be frustrating to find answers. Because of this www.LifeInsuranceThinkTank.com has put together a short list of expert resources for you to build your knowledge and understanding of the assistance that is available to you. By all means, this [...]
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January 16, 2013 0 Comments
So your Term Life Insurance policy is about to expire, what happens now? There are several decisions that you need to make. The first and easiest is if you don’t need that amount of death benefit anymore, you can let the policy expire at the end of the term since it fulfilled its purpose of providing [...]
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January 15, 2013 0 Comments
1. You Don’t Buy Enough Coverage When you bought your first policy, it was to cover a specific asset or need that was in existence at that time. However, most times people forget about that first policy and never have another insurance review. That $100,000 policy isn’t going to cover the kid’s college, pay off [...]
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January 11, 2013 1 Comment
One of the most talked about life insurance products available today is Indexed Universal Life (IUL). An IUL provides the value of a permanent life insurance with the cash value of the policy invested into an account that is “linked” to the performance of a market index like the S&P 500. The value to the [...]
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January 10, 2013 1 Comment
Term Insurance can be the most affordable life insurance when initially purchased. It is designed to meet temporary needs. This temporary need is for a specific period of time (i.e. the “term”). Under the vast majority of circumstances it will only pay a benefit if you die during the term of the policy. Many people [...]
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January 9, 2013 0 Comments
It’s Not Your Parent’s Kind of Life Insurance Permanent life Insurance, like medicine and technology, has evolved to the extent that it hardly resembles what it looked like just a decade ago. The basics have remained the same, a death benefit, premiums, and an inside cash value that accumulates over time. What has dramatically changed [...]
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January 7, 2013 0 Comments
In a 2012 study, more than 80% of respondents cited financial reasons for not having enough life insurance coverage to meet their needs, yet they overestimated the cost of life insurance by almost three times the actual price.1 Therefore it may not be surprising that life insurance ownership is at an all-time low and those [...]
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January 2, 2013 0 Comments
Fixed indexed universal life has been on an incredible hot streak in terms of growth in sales over the past 5 years. With the increasing inevitability that taxes will have to be increased to pay for our debt issues to the incredible income and death benefit features that these retirement products have, it should come [...]
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