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 Life Insurance?
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 […]
TIAA Life Insurance Review
It’s never too early to start thinking about life insurance coverage. With an effective life insurance policy in place, you can rest easy knowing your family will be taken care of if you’re not around. Still, choosing the best policy from the right company can seem overwhelming with so many carriers and policy options. If […]
New York Life Insurance 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 […]
Calculating Your Life Insurance Premiums
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
Life insurance shoppers who have diabetes already know finding affordable coverage can be difficult. Chronic health conditions like diabetes limit your coverage options. That’s just the way life insurance works. But this doesn’t mean you have no options at all. In fact, there are a few life insurance companies that understand your coverage needs and […]
Whole Life Insurance
If you listen to financial experts when it comes to life insurance, they nearly all say you need to have term insurance, not a whole life policy. 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 With Heart Disease
Heart disease has a way of giving you perspective. Goals that once seemed important fade to the background, and you focus on what really matters: caring for your family and preparing for the future. For many people, this means laying a solid foundation with life insurance to protect your loved ones financially. If the worst […]
The Basics of Life Insurance
Considering life insurance? Purchasing life insurance is one of the best ways to protect the people you love, but it is often met with reserve and placed on the backburner. Although discussing your impending passing is never an easy conversation, it is a critical one to have. If you passed away tomorrow, what financial situation […]
