Insurance

Making Sense of Whole Life Insurance Premiums

Critics of whole life insurance point to the higher premiums these plans require and the inflexibility of the payment schedule. However, when the structure and features of whole life insurance is fully understood, a fair-minded person would see that it offers affordability and flexibility along with unmatched long-term security.  When whole life premiums are clearly …

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Everything you Need to Know About Buying a Life Insurance Policy

If you are at the point where you are asking how to buy a life insurance policy, then you have already made the most important financial decision, which is to take the steps to insure your family’s or loved one’s financial security.  For many people, that is most likely a critical decision that has long …

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Beneficiary Benefits—Keeping Designees Updated Matters Big Time

The term beneficiary crops up every now and again. Usually you’ll see it on an insurance form or hear about it in relation to a will, but despite the nonchalance we toss the term around with, beneficiaries are incredibly important. Let’s break down the details on how and why beneficiaries matter. What’s a beneficiary actually …

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How Your Social Security Survivorship Benefit Affects Your Life Insurance Needs

Generally speaking, conversations about life insurance revolve around whether you should buy term or permanent insurance. However, every decision to buy life insurance begins with deciding what is the right amount of life insurance. And, integral to determining the right amount of life insurance is understanding the role of your Social Security Survivorship Benefit (SSSB). …

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