In general, the need for life insurance tends to decline with age because some of the reasons for buying it (college for children, income for dependents) either become non-existent or are needed for fewer years→ Read More
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Rules vary from company to company and for different types and amounts of insurance→ Read More
Life insurance is considered to be an asset under federal guidelines for Medicaid eligibility→ Read More
Life insurance companies do not issue life insurance to all people who want it, in any amount they want to buy→ Read More
A “needs analysis” (sometimes called “programming your life insurance”) is a systematic procedure that looks at your overall life insurance and other assets (investments, social security, pension, etc→ Read More
It is properly used only for underwriting insurance→ Read More
Life insurance is sometimes sold with the promise that no physical exam will be necessary→ Read More
If you have extra money, and want to give them a base of life insurance to “start them off”, it is okay→ Read More
Free advice on how much life insurance to buy.→ Read More
I see ads for life insurance at much lower rates than the policy I am presently paying for. Should I discontinue my current policy and buy a new lower cost policy?
If you find your needs for life insurance can be met by a new, lower-cost term life policy, consider dropping the older policy and getting a new lower-cost life insurance policy.→ Read More