Tag Archives: life insurance

Life Insurance and Medical History Facts That You Don’t Know

You know you need life insurance to financially protect your family and loved ones. But you’re worried about passing a physical exam or that your family’s medical history means you’ll have to pay too much for coverage. Maybe your father … Continue reading

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Is there a decline for life insurance?

Application activity for individually underwritten life insurance was off -6.0% in March—one the steepest monthly declines of recent record, according to the MIB Life Index. At the close of the first quarter, the MIB Life Index was off -4.5% YTD, … Continue reading

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How NOT to be ripped off buying life insurance

Robert J Russell has been selling life insurance for over 32 years so this topic is not new to him at all and now here are ways NOT to get ripped off buying life insurance. For some people, under the … Continue reading

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Is today a good day to buy life insurance?

Robert has been selling life insurance for over 32 years and today the question is: Is today a good day to buy life insurance? Almost everyone understands the value of life insurance. Simply put, a life insurance policy is a … Continue reading

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At What Age Does Life Insurance Expire?

It really depends on the type of life insurance policy you have. On term life policies they have a guaranteed level premium for a certain period. Most common are 10-20-30 years. The policy does not necessarily expire on the date … Continue reading

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Financial advisors are now teaching clients and prospects about cash value life insurance.

For many years, especially when the estate tax exemption was low, the focus of estate planning strategies with life insurance often shifted to how the minimum premium can be leveraged for maximum death benefit. With the 2016 estate tax exemption … Continue reading

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Understanding the Cost of Life Insurance

How Much Does It Cost To Buy Life Insurance? There are several different types of life insurance available. Term Insurance, Universal Life, Indexed Universal Life and Whole Life are the main types. Term life insurance will be the least expensive … Continue reading

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Largest Life Insurance Company

There are many ways to categorize the largest Life Insurance Companies. Based on market share and premium revenue, I estimate the largest Life Insurance company to be American General, followed by MetLife in the number 2 slot. Hartford is third … Continue reading

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Does Life Insurance Test For Marijuana

In most states, they do test for the active ingredient in marijuana. Typically through bodily fluids such as blood and urine. Any presence used to be a decline. Now recreational marijuana users are considered at the same rate as cigarette … Continue reading

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How Long Do I Need Term Insurance?

The easy answer to drop your term life insurance is when you goal for that plan is met. For example, if you purchased the plan to cover a 30 year mortgage and paid it off early and have no further … Continue reading

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