There was a time, not so many years ago, when getting life insurance with HIV/AIDS would’ve been impossible. I’m not going to lie – it still isn’t easy – but it’s not impossible either. There have been many new breakthroughs on the HIV/AIDS front, and life expectancies are increasing significantly. What’s more, new treatments and […]
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How to Make an Estate Plan to Control Your Asset Transfer
Antiquated terms like “estate planning” can make your financial life unnecessarily confusing. An “estate” sounds like something grand — a spread of land surrounded by a fence in the country or a high-rise apartment building in the city. In reality, we all have estates. They’re comprised of everything we own minus what we owe in […]
Who Needs to Purchase Life Insurance, Really?
If you’re someone who believes you don’t need life insurance, you may want to reconsider. Buying a life insurance policy isn’t just for parents and married couples. According to recent statistics, more than a third of American households would suffer if the primary income-earner passed away. Still, only 59% have a life insurance policy to […]
Life Insurance for Seniors | How to Get the Best Coverage
If you’re over 60, you might think it will be somewhere between difficult and impossible to get life insurance. But that’s not the case, at least not anymore. Much of that thinking comes from the fact that barely a generation ago life insurance companies were hesitant to offer coverage to senior citizens. But as medical […]
Cheap Life Insurance: Best Companies, Best Practices
It’s easier than ever to find cheap life insurance, yet many people still think buying coverage would be too expensive, too big a hassle, or both. So they put off buying life insurance until they have more money. Or they decide to wait until they have more time to deal with the applications, the medical […]
TIAA Life Insurance Review
It’s never too early to start thinking about life insurance coverage. While it is essential to keep a close eye on your finances in the present, it is also crucial to take a longer-term view and consider the future. With an effective life insurance policy in place, you can rest easy knowing your family will […]
New York Life Insurance Company Review
If you’re a responsible partner and parent, you’ll be looking to the future and considering life insurance if you don’t already have coverage in place. While you should take great care of your finances while you’re alive, it’s equally vital to make provisions for when you’re not around. Life insurance policies give you peace of […]
How Life Insurance Premiums Are Determined
Life insurance premiums seem abstract and arbitrary to many shoppers. This sense of mystery can be frustrating because your premiums connect directly to reality, specifically the reality of paying for your coverage each and every month. Learning how life insurance companies build your premiums can give you more control over the buying process and remove […]
Life Insurance For Diabetics: Approvals Made Easy!
People with diabetes often think they’ll never find affordable, quality life insurance coverage. Some have been denied coverage before, or they’ve been approved but unable to afford the inflated premiums. Yes, type 1 or type 2 diabetes can limit your life insurance options, especially if you need a lot of coverage. But by learning how […]
5 Times When Whole Life Insurance is the Right Choice
If you listen to financial experts when it comes to life insurance, they nearly all say you need to have term insurance, not whole life. In fact, there’s even a standard saying to describe the term life advantage: buy term and invest the difference. But despite that advice, are there times when whole life insurance […]
