Tag Archives: what kind of life insurance is sold the most in 2012
what types of term life insurance is available today

What types of Term Life Insurance is available today?

Understanding Term Life Insurance When you’re considering term life insurance, you need to understand the different types of term life available today.  Term life is the least expensive insurance available today and if used correctly could be the best insurance for you.  In fact many people supplement permanent life insurance (universal, indexed universal or whole [...]

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inusre your love buy life insurance protect your family if you die

What would you do for love?

With Valentine’s Day just around the corner, almost everyone is trying to find that one special present, better than last years present, to show their loved ones that they love them more this year than last year. Remember… “You do it For Love” Here are a few short videos that will bring a smile, laughter, and [...]

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should I buy whole life UL universale life UL or indexed universal IUL insurance

Whole life versus universal life insurance

Whole Life Insurance Whole life insurance (WL) is permanent insurance and covers you as long as you live.  You pay the same premium for a specific period (usually the rest of your life) to receive the death benefit.  This type of insurance provides life insurance coverage and a savings feature.   With whole life your [...]

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what can I do with the cash in my life insurance policy can I borrow cash from my life insurance policy

What can I do with the cash in my Life Insurance Policy?

According to the U.S. Census Bureau, couples at the age of 65 have a 50% chance of living to 92 years of age. In order to have enough resources to take care of one’s medical and recreational needs advanced preparation must take place. Furthermore, many statistics indicate that 54% of Americans have less than $25,000 [...]

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return of premium life insurance policy used in divorce why buy a return of premium life insurance policy

What is Return of Premium Term Life Insurance?

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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70% of Americans dont understand life insurance do you understand life insurance

LIMRA: Americans Have Rudimentary Knowledge about Life Insurance

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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indexed universal life insurance

How an Indexed Universal Life Insurance Policy can Help Protect Your Family and Provide for Your Retirement

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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The Dominant Life Insurance Product

Life insurance has been around for centuries and comes in many shapes and sizes.  Throughout the history of life insurance, there has usually been a prevailing “most popular” life product for any given period of time.  For instance, in the 1960′s and 1970′s, whole life was the predominant life product by far.  In the 1980′s, [...]

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