Tag Archives: term

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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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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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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What Happens if you cancel your Term Life Insurance?

The premium for a term policy is guaranteed for a certain number of years.  If you cancel the policy prior to the end of that term you will have paid slightly more for the coverage than was necessary.  Few term … Continue reading

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What Are Typical Rates For Life Insurance?

Here are some sample rates for you: $10/month $100/month $1000/month $10,000/month Hmmm. Clearly, more information is needed. Face amount? Guarantee period? Gender? State of residence? Smoker status?Underwriting class? You want to know something interesting? You could have two people born … Continue reading

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Do You Have Enough Life Insurance?

No one likes to think about death, but it’s pretty much a guarantee. Whether you like it or not, you are going to die. That means you need to be properly insured so that your survivors can be financially secure after … Continue reading

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Consider more than just the quotes….

Most of the people don’t give much attention to all the aspects while buying an individual insurance policy. Mostly we look at the monthly premium that we have to shell out of our pocket and the deductibles. Not many think … Continue reading

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Retirement Planning

If you’ve spent any time researching retirement planning, you’ve probably heard about the bucket approach. Essentially, bucketing is an income strategy that involves breaking your portfolio apart into three segments so that the cash you’ll need soonest (short term) is … Continue reading

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Retirement and Life Insurance

Many younger people never consider how life insurance could be important to them until it is time for retirement. We will explore how life insurance and retirement go hand in hand. If retirement is on your horizon, consider the many … Continue reading

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