Life Insurance Companies

Monthly Archives: August 2013

6 Ways to Utilize Your Home for Retirement Income

Chances are your going to need some supplemental income when it comes time to retire. You may have saved up during your working years, but having a steady stream of income will allow you to relax about your finances and enjoy your retirement. If you own your own home, it’s easy to think of it [...]

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Per Stirpes vs Per Capita Life Insurance Distributions

It is important to understand the legal terms “per capita” and “per stirpes” as they are used in order to specify the methods of distribution of your life insurance proceeds that are available to you. Per Stirpes “Per stirpes” is Latin for “by branch”, and means taking by class or by representation. In the life [...]

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The 6 Most Expensive Prescription Medications for Retirees

In 2010 retirees spent over $92 billion on their prescription medication. A large amount of this money, about 68%, paid for five specific types of medications that cost those on Medicare and who were sixty-five years or older a whopping $63.5 billion. Due to this, many retirees are not able to have the retirement that [...]

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What Happens to Unclaimed Life Insurance Death Benefits?

Some people are planners and plan ahead for everything, even their own deaths. They have everything filed and organized and even notify family of their ‘when I die’ file with all the important information. Others, however, avoid anything dealing with death, and even the act of getting a life insurance policy creeps them out. For [...]

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Is Organic Food Healthier or is it Just Hype?

Many consumers have a goal in mind when they enter a grocery store—purchase healthy foods without putting a dent in their budget. It is usually pretty simple to buy nutritious food. You stock up on vegetables, fruits, nonfat dairy products, whole grains, and lean protein. But there is one area of grocery store buying that [...]

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Pros and Cons of Second to Die Life Insurance

If you are married and have a substantial amount of savings then you may want to consider a second-to-die life insurance policy. This type of policy only doles out a death benefit after the demise of both you and your spouse. This type of policy can be both a permanent and term life policy, however [...]

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How Often Should Women Get a Mammogram?

The times are changing and it is now recommended that you begin seeing your doctor for a mammogram at the age of forty and then continue to get one once a year. It is a good idea to talk to your doctor about the risks, benefits and limitations of getting a mammogram so that you [...]

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Qualifying for Life Insurance After a Stroke

A stroke is a cardiovascular disease that wrecks havoc on the arteries that lead to and are within the brain. A stroke takes place when the blood vessels that carry nutrients and oxygen to the brain are blocked by a clot or even worse—burst. When the brain is unable to get enough oxygen and blood [...]

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How the Health Care Reform Preexisting Rule will Affect Smokers

In the past if you had a pre-existing condition it was used as a reason to exclude you from access to health insurance coverage or raise your rates substantially. This all changed with the passing of the Patient Protection and Affordable Act by congress. This act throws a lifeline for patients with pre-existing conditions in [...]

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Will Having Chronic Heartburn Affect Life Insurance Rates?

Heartburn is a sensation of burning in the chest. At one point or other almost everyone experiences some degree of heartburn, especially if they are pregnant, but chronic heartburn is less common and more serious. It is a misconception that heartburn is caused by heart disease, as it is in fact an acid build up [...]

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