Category Archives: Life Insurance

What You Should Know About the Living Benefits Life Insurance Rider

When you purchase a life insurance policy, you can include living benefit riders, also known as accelerated benefit riders. There are different types of benefit riders available, but you are allowed to choose more than one for your policy. Some of the options include critical illness, chronic illness, and nursing home care and child protection. [...]

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Financial Implications of Accelerated Death Benefits

An accelerated death benefit is a benefit that is attached to your life insurance policy, which enables you to receive a cash advance against your death benefit in the case that you are diagnosed with a serious illness. Many people that decide to get an accelerated death benefit only have a few months or years [...]

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The Connection Between Life Insurance and Optimism

Recently, some studies have been conducted to see if people with life insurance policies were innately different than those without. The results, according to the companies in charge of the studies, were quite unexpected. If you have been considering buying yourself life insurance, you may want to find out what connections insurance has to overall [...]

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E-Cigarettes and Life Insurance Rates

One of the largest trends to hit the smoking community within the last decade is e-cigarettes. These devices are said to be safer than cigarettes, but not everyone agrees with that statement. Life insurance companies have a lot at stake when insuring current and former smokers, so how do they view this new trend? Here [...]

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Life Insurance Benefits for Special Needs Children

Parents who have a child with special needs should think about insuring themselves in order to provide their child with the care and the financial stability he or she needs in the case that anything happens to them. Remember that financial planning is complicated enough as it is, but with a disabled or special needs [...]

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Tips for Making Charitable Contributions Through Life Insurance

Having a life insurance policy is something everyone needs for a multitude of reasons. Your family needs to be able to cover your final expenses when the time comes, and life insurance often helps with that. For those who want to take some of the life insurance money beyond what your family will need, there [...]

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The Adverse Effects Genetic Testing May Have on Life Insurance Rates

Receiving the results of a genetic test can feel like you are opening up a Pandora’s box. You don’t know if you are going to learn something new, useful, and even interesting or find out that you have to deal with the knowledge that you are more than likely going to develop a terminal disease [...]

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How Cash Value Life Insurance Can Benefit High Income Earners

It’s an unfortunate reality that high-income earners are subject to increased taxes, so much so that many look for tax advantages in order to evade the steep taxes that they are being hit with. One of these tax breaks comes from a cash value life insurance policy, as it can help lower high-income earner’s taxes [...]

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Tips for Getting Life Insurance When You Have a Criminal Record

Despite an individual’s past mistakes and life history, there is always a need for life insurance. Life insurance is a critical aspect of an individual’s financial planning, as it allows individuals to plan ahead for the event of their inevitable demise. By purchasing life insurance, individuals are able to provide for their family and loved [...]

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Shrink Life Insurance Rates by Reducing your BMI

The body mass index measurement is a calculation of your height in relation to your body weight.  Doctors use this measurement in order to measure fat as well as the health risks that are associated with it. However, it is worthy to note that having a healthy BMI does not necessarily mean that you are [...]

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