Life insurance Sentence Examples
Dean's mother had raised her only son alone after her husband's death, relying on life insurance proceeds and a series of part-time jobs.
Some of it came from life insurance.
The life insurance World Wide provided its employees was equal to one year's pay, hardly enough to leave a rich widow.
But who needs life insurance?
I don't want to terminate him but he's not dead, official-like, so they can't just pay off his life insurance.
It looks as if the insurance company may be willing to advance some of the life insurance money—at least enough to tide us over for a while.
This Gruber fellow tossed me out of the house like a Fuller Brush Jehovah Witness selling life insurance.
A considerable amount of personal property, including furniture, a small library, provisions, tools, agricultural implements, livestock and the proceeds of a life insurance policy, is also exempt from seizure for the satisfaction of debts.
Prominent buildings are St Joseph's Cathedral and the buildings of the Berkshire Life Insurance Company, the Agricultural National Bank and the Berkshire County Savings Bank.
Atlanta is the Southern headquarters for a number of fire and life insurance companies, and is the third city of the United States in the amount of insurance business written and reported to resident agents, the annual premium receipts averaging about $10,000,000.
AdvertisementBut on either side of this refusal are to be found elaborate projects of friendly societies and widows' funds, which practically cover, in a clumsy and roundabout manner, the whole ground of life insurance.
To correct abuses in the life insurance business which were discovered in 1905 by a committee of the state legislature, laws were passed in the next year regulating the election of the directors of the insurance companies, and the investments of the companies and the distribution of dividends, limiting the amount of business of the larger companies and prohibiting rebates on insurance premiums. A state superintendent of insurance, (since 1860) appointed by the governor, holds office for three years.
The gross amount insured by policies in life insurance offices (ordinary and industrial) was over £29,000,000, of which the state office claimed two-fifths.
The socialistic bent of New Zealand was already discernible in a public trustee law and a state life insurance office.
The continued success of the government life insurance office led in 1899 to the setting up of an accidents insurance office, and, in 1903, of a state fire insurance office.
AdvertisementThere is a Roman Catholic Cathedral, and the city is the see of a Roman Catholic and of a Protestant Episcopal bishop. The Prudential Life Insurance Company and the Mutual Benefit Life Insurance Company have fine office buildings.
In 1909 Hartford was the home city of six fire insurance and six life insurance companies, the principal ones being the Aetna (fire), Aetna Life, Phoenix Mutual Life, Phoenix Fire, Travelers (Life and Accident), Hartford Fire, Hartford Life, National Fire, Connecticut Fire, Connecticut General Life and Connecticut Mutual Life.
The life insurance companies have assets to the value of about $225,000,000.
Besides these are sixty-one companiesof whic forty-six are comprised in the above life insurance companies-paying subsidies in case of death or of military service, endowments, &c. Some of these companies are industrial.
The board of trade building, the building of the Star newspaper, and several large office buildings (including the Scarritt, Long, and New York Life Insurance buildings) are worthy of mention.
AdvertisementThe largest office for life insurance is a state institution.
The principal other public buildings are the church of St Margaret with a beautiful portal and a lofty tower, founded in the 12th century, twice burnt down, and rebuilt in its present form in 1652; the church of the Augustinian convent, with an altar-piece by the painter Simon Jacobs; the theatre; the fire insurance bank and the life insurance bank; the ducal palace, in the Italian villa style, with a winter garden and picture gallery; the buildings of the ducal legislature; the hospital; the old town-hall, dating from the i ith century; the old residence of the painter Lucas Cranach, now used as a girls' school; the ducal stable; and the Friedrichsthal palace, now used as public offices.
The principal source of revenue was an indirect tax on corporations, the tax on railways, savings banks and life insurance companies, yielding 70% of the state's income.
Dean finished the interview by obtaining the names of Jeffrey Byrne's doctor and insurance agent although, according to his wife, Byrne seldom visited a doctor and the only life insurance he carried was whatever his employer provided.
It looks as if the insurance company may be willing to advance some of the life insurance money—at least enough to tide us over for a while.
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A male 35-year-old smoker will pay 78% more in life insurance premiums than his non-smoking counterpart.
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Variable universal life insurance lasts for your whole life and has options included to help you make money on your life insurance.
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Chosen in 1905 as a member of a committee of three to act as trustees of the majority of the stock of the Equitable Life Assurance Company, he promoted the reorganization and the mutualization of that company, and acted as rebate referee for it and for the Mutual and New York Life insurance companies.
Savings banks and seamen's money orders are also among the accounts and payments with which it is charged, and outside these marine matters it has to prepare for parliament the life insurance companies' accounts and to take charge of the bankruptcy estate accounts.
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Consider liquidating certain assets, such as bank accounts, financial investment accounts, cars, boats, real estate, life insurance and retirement plans, before the IRS places a lien on these to absolve the debt.
Veterans can contact the VA and find out about options such as home equity loans and loans against their life insurance policies.
It's a very good idea to include a provision that a life insurance policy be put in place for the paying spouse for the total amount of alimony that he or she could be expected to pay.
If an alimony payer is also required to maintain health and life insurance for an ex-spouse, the cost of insurance is not deducted from the alimony payment, but made in addition to the ordered maintenance amount.
If the support payer is ordered to maintain health or life insurance for the recipient, the cost of insurance is deducted from the original alimony order.
After it was settled that some of his assets would be sold to pay off his debt, came the issue of the life insurance policy he held.
When the issue of Jackson's life insurance policy arose, there was much speculation that it would not be paid out because the multi-million dollar policy excluded "illicit drug use."
Other ways to finance your home improvements that you may want to consider as last choice options include borrowing money from your 401K, borrowing money from your life insurance policy or cutting a deal with the contractor.
Annuities are an investment in a life insurance policy that offers steady lifetime payments after an initial investment.
Calculators and guides help you evaluate your retirement savings, estate planning, and life insurance needs.
Annuities are contracts issued by life insurance companies, and many provide a guaranteed death benefit for a spouse or beneficiary.
People may also avoid probate by purchasing a life insurance policy, or by putting money into a joint savings account with another person.
In order to avoid paying estate taxes on the proceeds from a life insurance policy, designate someone as the beneficiary.
Term insurance does not have any cash value, and it is the most economical type of life insurance offered.
Choosing a whole life insurance policy will provide the insured with coverage for his or her lifetime.
This life insurance option offers flexible premium amounts, along with an accumulating cash value.
Great American Senior Benefits is a company offering health and life insurance products specifically to people age 55 and older.
The Great American Life Insurance Company, its largest subsidiary, is ranked in the top 12 percent of stock insurance companies.
Whole life insurance is more expensive than term insurance, which only covers you for a specific amount of time.
There are some good life insurance options that can give you an affordable plan.
Just like if you are buying health insurance, do a background check through the Better Business Bureau before making any buying decision on life insurance.
A life insurance policy is a big purchase, so plan to shop around for quotes before making any decision.
Make sure you gather all the facts and take your time before you sign the dotted line to get discount senior citizen life insurance.
Again, the Internet is a beneficial tool when searching for life insurance companies that have policies you need at a low rate.
American Term asks you questions about what type of policy you are seeking and then lists life insurance companies that have policies that fit your needs.
This website also has informative articles to help you better understand how life insurance helps you and your family.
Colonial Penn is a popular life insurance provider.
It works the same way as the health and life insurance ones do and in a matter of minutes, you'll know whether you need to switch or stay with your present auto insurance company.
There are senior citizens that may not realize they are eligible for life insurance.
They may feel they are too old or have a medical condition that will stop them from getting life insurance coverage.
However, there are insurance companies that offer life insurance policies specifically for senior citizens.
Many senior citizens choose to take a life insurance policy in their later years to ensure that their final expenses are not a burden to loved ones.
Sometimes seniors who already have life insurance choose to take an additional policy if the death benefit payout of their original policy is low and not enough to pay for funeral, cremation or burial expenses.
When a person takes out a whole life insurance policy, also referred to as permanent life insurance, the coverage stays in effect for the insured's entire life and in most instances, the premium does not change.
This type of life insurance policy also accumulates a cash value that the insured can borrow against.
Traditional whole life insurance guarantees a minimum rate of return on the cash value of the insurance policy.
This type of insurance is similar to interest sensitive life insurance policies.
Interest sensitive whole life insurance provides a variable rate of interest on the cash value portion of the insurance policy.
Single premium whole life insurance is purchased in one lump sum payment.
A term life insurance policy only provides death benefits if the insured dies during the term of the policy which typically has a duration of one to thirty years.
Generally, term life insurance has the lowest premiums when the policy first goes into effect.
However, over time the premiums for a term life insurance policy do increase.
Choosing the best senior citizen life insurance depends on the needs of the individual senior and his or her circumstances.
It is important to get rate quotes from several different insurance companies when looking for low-cost term life insurance.
While senior term life is usually more expensive than a policy for the same length of time for a younger person, prices for senior term life insurance can vary greatly from one company to another.
Considered the most affordable type of life insurance, term life insurance policies provide coverage for a specific amount of time.
This period of time, or the term of the life insurance policy, is generally between five and thirty years.
Generally, the premiums on term life insurance are fixed, which means they remain the same throughout the entire term of the policy.
The death benefit on a term life insurance policy is fixed, which means it is the same amount regardless of when the person dies within the term of the insurance policy.
Senior term life insurance policies are the same as the ones offered for younger individuals; the difference is in the cost of the insurance.
The older you are, the higher the premium is that you have to pay for term life insurance.
In terms of money, it means the insurance company has more of a risk of having to pay the death benefit on a senior’s term life insurance policy than they do on a younger person’s policy.
There are many insurance companies that require a physical exam before you will be approved for term life insurance.
In some cases, seniors may even be turned down for the life insurance because of the results of the physical.
However, there are also life insurance companies that do not require a physical examination in order to qualify for a term life insurance policy.
In most cases, the premium rates for life insurance policies that do not require physicals are higher than premiums for policies with a medical exam.
One of the most important steps to finding affordable life insurance is getting multiple rate quotes.
There are many websites that provide a free rate quote tool that allows you to receive term life insurance quotes from multiple insurance companies that are well known and reputable.
Once you decide on the amount of the insurance and the term of the policy, compare rate quotes for term life insurance from multiple insurance companies before purchasing a policy.
By comparing several quotes with the amount and type of coverage associated with it, you can determine whichsenior term life insurance is the right one to meet your own personal needs.
You may find that the lender has tacked on a mortgage life insurance policy, outright mortgage insurance, or another sort of policy which you may not need.
Finding ways to save on life insurance can help you get the coverage you need at a price that won't blow your household budget.
Obviously, the amount of life insurance you need depends on the reason you are interested in purchasing coverage.
A self-employed business owner who is the sole breadwinner for a family of six needs much more life insurance than an unmarried man who is simply looking for a way to make sure his funeral expenses will be paid after his death.
Sometimes, people purchase whole life insurance, universal life insurance, or other forms of permanent life insurance as an investment vehicle.
The Internet has made it easier than ever to save on life insurance.
Accuquote has a convenient online system to let you compare the price, features, and financial strength of multiple term life insurance policies.
Don't automatically assume the life insurance your employer offers is the best deal.
The easiest way to save on life insurance often involves taking steps to improve your health.
Losing weight or quitting smoking, in addition to offering numerous other benefits, can cut your life insurance premiums by as much as 50 percent.
For example, Manhattan Life Insurance offers discounted rates to diabetics who take their medication regularly and have their illness under control.
Allstate offers both term and permanent life insurance coverage as part of its product line.
The company also offers life insurance coverage.
Having life insurance in place is a way for an individual to protect his or her nearest and dearest.
The proceeds of a life insurance policy can also be used to pay for a child's post-secondary education or to fund the surviving spouse's retirement.
This company also offers life insurance protection and banking services, including mortgages.
Farmers Group Inc. is also a life insurance holding company of the Farmers New World Life Insurance Company, which offers a wide range of life insurance products.
Farmers Financial Solutions, LLC- This company's offerings include a variety of financial products, such as mutual funds, annuities, and life insurance plans.
Getting term life insurance quotes is an option many people should look into when shopping for life insurance.
Term life insurance policies provide coverage for a specific term (set amount of years).
As with any type of insurance policy, it is important to get a term life insurance quote before purchasing coverage.
When asking for a quote, keep in mind that term life insurance has several different forms.
To receive accurate term life insurance quotes, you will need to provide a certain amount of background information.
These questions determine whether or not you qualify for a policy (some policies deny coverage on pre-existing conditions) and what your life insurance premium will be.
Getting term life insurance quotes from several different websites may be a good idea, even if you plan to go to your insurance agent.
Most online sites that provide term life insurance quotes also give the Standard & Poor's and AM Best ratings for the insurance company and policy suggested.
Of course, a further application will need to be filled out before actually qualifying, and there are differences in term life insurance policies that should be looked into.
You should take into account these things when evaluating term life insurance quotes.
Guardian Dental is actually from Guardian Life Insurance Company, a mutual life insurance company that offers insurance, retirement, investing, education funding, and estate planning services.
When looking for a life insurance policy, one of the first things you will want to ask about are life insurance rates.
Almost everyone would love to have life insurance.
Unfortunately, many people do not buy policies because they cannot or think they cannot afford to pay life insurance rates.
While it is true that people who are on a fixed income may have difficulty paying premiums for certain policies, life insurance is generally more affordable than most people think it is.
In addition to the factors mentioned above, the type of policy you purchase will greatly affect your life insurance rates.
Before deciding between whole life insurance and term life insurance, you should learn as much as possible about each option.
Whole life insurance provides coverage for your entire life.
Term life insurance is different than whole life insurance because it provides coverage for a very specific amount of time.
In addition to the length of coverage, a term policy differs from whole life insurance because there are no investments that can be made.
For example, compare term life insurance policies with other term life insurance policies and whole life insurance policies with other whole life insurance policies.
After a certain level, the rate often drops, which means that a life insurance policy that provides $250,000 in coverage may actually cost less than a policy that offers $240,000 in coverage.
Choose a reputable life insurance company.
If you are a smoker, you will typically pay twice as much for life insurance as a non-smoker.
If you are in the market for a life insurance policy, you may want to consider Protective Life Insurance.
The Protective Life Insurance Company is a subsidiary of Protective Life Corporation.
Established in 1907, Protective Life Insurance is thought to be one of the nation's leading insurance companies and provides more than $140.9 billion in insurance coverage to individuals and families in the United States.
If you are on a limited budget, you can purchase a term life insurance policy with a minimal amount of expense.
In most cases, the policy will provide you with a large amount of life insurance coverage.
If you want to have insurance for the long run, a permanent life insurance policy from Protective life may be your best option.
A permanent life insurance policy, more often known as a whole life insurance policy, is guaranteed to pay your beneficiaries a life insurance settlement in the event of your death.
Aetna Life Insurance Company was established in 1850.
Plans include whole life insurance, variable life insurance, universal life insurance, and term life insurance.
When AARP decided to offer a life insurance program to their members, they considered proposals from a number of insurance companies.
The company they chose to provide the AARP Life Insurance Program was New York Life.
New York Life has been in the insurance biz for more than 150 years and is quite possibly one of the best known names in life insurance.
Consistently receiving the highest rankings from Fitch, A.M. Best, and Standard & Poor's, New York Life offers excellent life insurance coverage at an affordable price.
No matter which life insurance product you choose, you will not be subjected to a medical exam.
Acceptance to the AARP Life Insurance Program is based on the answers you provide to three simple health questions.
A life insurance policy can help your family by alleviating some of the financial burden that will inevitably result after your death.
By purchasing a life insurance policy, you can make sure your loved ones are taken care of long after you are gone.
If you or your spouse are an AARP member and are interested in learning more about the AARP Life Insurance Program, you can request free information kit by calling 1-800-865-7927.
If you have already read up on the AARP Life Insurance Program and want to compare prices or receive a no obligation quote, you can use the Quick Quote Wizard found on the AARP Life Insurance website.
The following article offers some money-saving tips for consumers who will be shopping for auto insurance, home insurance, or health and life insurance policies.
Similarly to health insurance, life insurance rates go up when mention is made of a preexisting condition.
One way to save money on monthly premiums is to purchase term life insurance instead of whole life insurance.
Gerber Life Insurance is an affiliate of Gerber Products, a company known best for baby food.
Since its inception in 1967, Gerber Life has worked to provide affordable life insurance to families of all shapes and sizes.
Gerber Life Insurance offers life insurance policies for individuals and families.
Gerber life insurance offers a variety of products to eligible individuals.
The premiums for life insurance policies depend on the type of product being purchased, the age and health condition of the person being covered, and the state in which you live.
No matter which life insurance product you choose, your coverage can never be cancelled as long as premiums are paid.
The Grow-Up Plan is a whole life insurance plan that covers small children between the ages of 14 days and 12 years old.
Parents, grandparents, or guardians can purchase Gerber Life Insurance policies and retain ownership until the child turns 21, at which time, ownership is transferred.
The life insurance policies offered to young adults between the ages of 13 and 17 are also whole life insurance policies.
Parents, grandparents, or guardians can purchase Gerber life insurance policies for the young adult in their life and retain ownership until the teen turns 21, at which time, ownership is transferred.
Adults age 18 and over are also eligible for coverage through Gerber Life Insurance.
If you are interested in learning more about Gerber Life Insurance or in requesting an application, you can visit Gerber Life online.
For example, term life insurance quotes include everything mentioned above, plus independent ratings from A.M. Best, Fitch, Moody's, Standard & Poor's, and TheStreet.com.
The Liberty Mutual insurance company offers auto, home, and life insurance.
Liberty Mutual offers several different life insurance products through Liberty Life Assurance Company of Boston.
Term Life Insurance - This policy is set for a predetermined term, such as fifteen years or twenty years.
Whole Life Insurance - This policy builds up a cash value in addition to being a simple life insurance policy.
Applicants can contact a company representative to discuss which life insurance policy is the best fit for their particular needs.
The age of your pet can play a factor in eligibility for life insurance.
Whole life insurance one time payment policies offer a single premium insurance that covers you for life.
Whole life is one of four major types of life insurance.
In the case of endowment and whole life insurance policies, the beneficiary receives a death benefit if the insured is injured and dies.
If you want to be sure to have life insurance for your entire lifetime, a whole life policy makes a wise choice.
A whole life insurance single payment policy is a plan in which one relatively large premium is due when the policy is issued.
For people who want to buy a single payment whole life insurance plan, but can't afford the one-time payment, some insurance companies offer installment plans.
Such plans allow policy holders to make payments in installments while enjoying the advantages of one time payment life insurance.
Under Internal Revenue Code, life insurance premiums must fall within specific limits.
As you consider purchasing a single payment whole life insurance policy, it's a good idea to consult with a tax or financial advisor.
The insurance company that provides you with your other insurance products - such as life insurance and disability insurance - may be able to also supply you with professional liability insurance.
The single most important thing to look for in a life insurance company is financial strength.
You'll often buy life insurance that you expect to be good many years from now.
Life insurance companies also vary greatly in the products they offer and the amount of money they charge for policies, so it's important to do some comparison shopping if you're in the market for a term life insurance policy.
Term life insurance refers to a life insurance policy that is for a specific period of time.
If rates for life insurance coverage increase, the policyholder will not be affected until the term expires and a new policy is written unless the original contract specifies that premium costs can change.
Term life insurance is usually a less expensive option than a whole life insurance policy.
Life insurance companies utilize various methods to decide what life insurance premiums to charge applicants.
Whether or not your smoke cigarettes - or have smoked habitually in the past - can influence the cost of your life insurance.
Dangerous hobbies you indulge in might make your life insurance more expensive.
Where you live may have an effect on your life expectancy, and consequently the cost of your term life insurance.
Some influencing factors in the cost of term life insurance are things that are beyond your control.
Preexisting medical conditions, even those conditions that have since disappeared, can make your term life insurance costlier.
The amount of money one life insurance company charges may vary greatly from what another life insurance company charges.
State Farm offers term life insurance along with other life insurance options.
MetLife offers affordable term life insurance along with several other insurance products.
In some states, insurers can combine traditional products like annuities and life insurance with a rider designed to cover a part or the entire cost of long term care.
These stand alone policies provide better coverage and can be combined with term life insurance.
Guardian Life Insurance Company of America is highly ranked among the largest mutual life insurance companies.
Founded in 1860 by Hugo Wesendonck, Guardian was first known as Germania Life Insurance Company of New York.
In 1917 Germania changed it's name to The Guardian Life Insurance Company of America, and in 1925 converted from a mixed stock mutual company to a wholly mutual company.
In their efforts to keep customers happy, Guardian plans and manages for the long term so as to steadily provide low costs for life insurance while at the same time paying dividends to policyholders.
One such option is permanent life insurance.
Contact Guardian Life Insurance Company and ask about their permanent life insurance options.
When you pay your premium for a permanent life insurance policy a portion of it is held in a cash reserve.
Permanent life insurance provide solutions like these during your lifetime.
Permanent life insurance provides the tax-deferred accumulation of cash value in your policy which means all the accumulated cash value works for you - instead of part of it going to the government.
Often people purchase life insurance when their children are young and still living at home.
Instead of doing this, check with your agent and ask how to elect a life insurance option to maximize your pension.
Laws vary from state to state, but most often the cash value of life insurance may not be treated as an asset subject to liability judgments.
Permanent life insurance helps take care of you while you're still alive, while the death benefit sees to it that your loved ones are cared for in the event of your death.
Keeping a permanent life insurance policy in force until you die offers added freedom and security in your senior years.
The Texas Farm Bureau's Life Insurance plans are underwritten by Southern Farm Bureau Life Insurance Company in Jackson, Mississippi.
Southern Farm Bureau Life Insurance Company presents the Texas Farm Bureau's Major Medical Group Insurance Plan to Farm Bureau members.
To define term life insurance, we should first define life insurance.
We can define term life insurance as a temporary life insurance policy.
A term life insurance policy is typically written for a five-year to thirty-year term.
It is the simplest, most basic life insurance policy available on the market today.
Specified periods of coverage define term life insurance and differentiate it from permanent life insurance.
A term life insurance policy offers coverage that expires at the end of the policy term.
A permanent life insurance policy offers coverage throughout your lifetime.
A term life insurance policy has no returns or cash value beyond its stated death benefit.
There are five different types of term life insurance policies, each one designed to meet different individual needs and financial situations.
This is the most common type of term life insurance.
This is the good ol' mortgage life insurance policy that is typically marketed to homeowners.
A term life insurance policy is a valuable financial tool to use if you need to protect your family and hard-earned assets for a specific period of time.
The HPA Secure 12x3 Short Term Medical plan is provided by the Standard Security Life Insurance Company of New York.
In the late 1940s, the United States government initiated a life insurance program that was specifically designed to guarantee veterans universal life insurance services and coverage.
Veterans of the First and Second World Wars, as well as the Korean War can also take advantage of the group life insurance benefits, which were not readily available at the time that they were in active service.
The Servicemembers' Group Life Insurance program (SGLI) - created for active duty members of the U.S. military forces.
Once these service members retire, they have the option of extending their government life insurance coverage by converting their SGLI coverage to VGLI coverage.
The Veterans Group Life Insurance program (VGLI) - created for retired members of the U.S. military forces.
The need for this government-sponsored program arose from the fact that the commercial life insurance industry could not provide adequate or affordable insurance coverage for military personnel.
The program was also intended to encourage as many service members as possible to obtain life insurance for themselves and their families.
While there are a number of organizations that also offer life insurance to service members, there is a key difference between the commercial insurance coverage and the coverage offered by the Department of Veteran's Affairs.
Veterans universal life insurance offers cost-effective coverage that is available to all veterans and their families.
The competitive benefits of the VGLI program are borne out by the fact that more than 98% of the armed forces service members have opted to purchase this coverage over commercially-available life insurance.
Money invested in stocks, bonds, mutual funds, life insurance policies, mortgage life insurance, annuities or municipal securities, even if they were purchased through an FDIC insured bank or savings association.
Although life insurance policies are not directly issued through this company, they have teamed with other "Trusted Partners" to offer life insurance products to customers.
This is a brief listing of "Trusted Partners" as there are several other companies working directly with this company to provide quality life insurance products to customers.
There are two main categories of life insurance - term life and whole life.
Term life insurance - This is the simplest, least expensive type of life insurance policy.
Whole life insurance - Also called permanent insurance, this type of life insurance pays out a death benefit whenever you die - regardless of when you die.
The company also provides home insurance, health insurance and life insurance policies with affordable rates.
There are different types of life insurance.
The three most common types of life insurance are term, whole life and universal life insurance.
A whole life insurance policy is not restricted to a set period of time.
Whether term life or whole life insurance is right for you depends on several factors.
Another type of life insurance which is relatively common - but not as common as term life or universal life - is universal life insurance.
There are two variations of universal life insurance.
Since the investments are under the umbrella of a life insurance policy there can be certain tax benefits to investing this way.
The original terms of the universal life insurance policy determine whether the beneficiary of the policy receives a predetermined lump sum or instead receives the lump sum in addition to the cash value of the investment account.
Consumers often turn to these types of life insurance when they want somewhere to invest with potential tax advantages.
With so many different types of life insurance it can get confusing when trying to figure out which one to purchase.
Financial experts differ greatly in the version of life insurance they endorse for their clients.
While some financial experts extol the virtues of an investment account sheltered under a life insurance policy, others stress that a simple term life insurance policy is the best option and investments should be kept separate.
It is worth it to consult a life insurance professional before making a decision as to which policy to purchase.
Guardian Insurance is a well-known and well-established insurance company founded in 1860 in New York under the name "Germania Life Insurance of New York."
Since 1917, the company was named "The Guardian Life Insurance Company of America," and today it stands as one of the largest mutual life insurance companies in the country.
In order to get the best discounts, offer to transfer your house insurance, boat insurance, and even life insurance policies over to the one insurance company.
Obtaining life insurance for over 50s can sometimes be difficult.
Smith - a Financial Adviser with over 25 years of experience and active member of The Society of Financial Services Professionals - you'll learn the basics you need to know before purchasing life insurance at this age.
Generally, life insurance for over 50s may present a greater challenge simply because of health-related issues, medications, etc. However, many people can still get a preferred rating into their 50s, 60s and even 70s.
How much life insurance do I need, and how long do I want to keep it in place?
Do you need life insurance to cover a mortgage or definite fixed obligation which might best be addressed with term insurance?
How much life insurance can I afford to pay each and every year?
Many 50 year olds may need life insurance for wealth transfer or estate planning.
In this case it makes sense to look at permanent insurance with low cash values like a Guaranteed Universal Life (GUL) policy, owned by an irrevocable life insurance trust.
Questions for life insurance are based more on the amount of insurance applied for than the age of the applicant.
It is often the least costly life insurance policy to have when compared to other options such as whole life.
He also gives people advice regarding life insurance, urging people to only purchase term life insurance as opposed to whole life or some other product.
Whenever he advises someone to seek out term life insurance he always mentions Zander Insurance Group specifically.
For this reason, this insurance company does not offer cash value life insurance policies.
Dave Ramsey endorses this company because of their products and services in addition to the fact that they will not deal with cash value life insurance policies.
Whenever a relative passes away and there are no clear beneficiaries, or no one is aware of the intentions of the deceased, a situation arises that could result in unclaimed life insurance.
Many people often assume that simply having a life insurance policy will insure that the family will be taken care of in the event of a death.
People usually file away a life insurance policy and forget about it for many years, just making payments along with every other bill.
If the deceased had a financial advisor, that person likely knows the whereabouts and status of the life insurance policy.
The odds are good that if the life insurance policy was with them, they may be trying hard to track beneficiaries down as well.
Many people think that if a life insurance policy goes unclaimed after a person passes away, then the insurance company gets to keep the money.
The status of a life insurance policy depends heavily upon the type of policy it was, and the status of payments to the policy up until death.
The difficulties that can arise when someone doesn't leave clear instructions regarding their life insurance intentions should motivate everyone to make sure to leave clear instructions.
If you purchase a life insurance product, be sure that a few people in your immediate family know where to look for the information so that the beneficiaries you intend to leave money to actually receive those funds.
The Guardian Life Insurance Company has been in business since 1860.
It is one of the largest life insurance companies in the United States and has over $41 billion in assets.
Unless you ask an insurance expert to define whole life insurance, it can be a complicated type of life insurance policy to understand.
Whole life insurance is a controversial form of life insurance.
It is controversial because experts disagree on whether it is preferable to term life insurance.
Understanding this disagreement can help you to understand the definition of whole life insurance.
Term Life Insurance is exactly what it sounds like.
This form of life insurance keeps you insured for the term that you've purchased the insurance for.
Whole Life Insurance is a form of insurance that combines the benefits of term insurance with a "cash value" - or savings portion - of the policy.
This means that when you purchase a whole life insurance policy you are covered for your "whole life," meaning that there's no term when the policy ends.
A whole life insurance policy builds up what's called "cash value" over time from the interest that your premiums earn.
Whole life insurance can be more complicated than term life.
Many insurance companies offer additional or fewer varieties of whole life insurance products.
The variety of whole life policies and the differences between whole life and term life insurance can sometimes make it difficult to decide which type of life insurance is the one for you.
This assumes, however, that you can afford the more expensive early premiums associated with a whole life insurance policy.
If you are young and healthy, and require life insurance but can't afford the premiums of whole life, term life is a very affordable option.
Encore Dental insurance is offered through the Stonebridge Life Insurance Company.
Aetna started out as a life insurance company back in 1850, but it wasn't until 1899 that this company started offering health insurance products.
Colonial Penn Life Insurance may be best known for the frequent television commercials aired with celebrity endorser Alex Trebek of the television show Jeopardy fame.
Although this life insurance company has not been in business as long as some other companies offering comparable products, Colonial Penn is not a newcomer either.
The company has been in business for over 50 years and is well known for providing life insurance directly to consumers.
One of Colonial Penn's claims to fame is the fact that this company was one of the first life insurance companies to offer guaranteed acceptance life insurance policies for people over the age of 50.
Before this became more common, people of this age may have had trouble obtaining a life insurance policy because they would have been turned down for a policy through another insurer due to their age or health.
Colonial Penn Life Insurance can design a life insurance policy to a wide range of consumers who are age 18 and over.
The company has a large base of policyholders who fall into the category of over 50 years old who perhaps might be considered uninsurable by other life insurance companies.
Guaranteed life insurance policies at Colonial Penn are only available to people who fall within the age range of 50 to 85.
Colonial Penn will accept applicants who may have been turned away by other life insurance companies.
However, a life insurance policy for someone with major health issues will inevitably cost more than a policy for someone in good health.
Availability of life insurance policies through Colonial Penn vary from state to state and may not be available in all areas of the country.
The quote you initially receive from Colonial Penn will be a generalized quote for a monthly premium for a life insurance policy with the level of coverage you want to purchase.
When an insurance company is determining how much a customer will pay for life insurance coverage, the applicant's age is the main factor the company considers.
The insurance company's underwriters use actuarial tables to determine how long the applicant is likely to live when setting rates for life insurance premiums.
No load life insurance provides the comfort many families need for less, resolving a long-standing problem for people who need the maximum amount of coverage at a reasonable rate.
Finding a life insurance policy that is affordable and protects your family can be very difficult.
The more protection life insurance offers, the less affordable it will potentially be.
No load life insurance allows individuals to pay for life insurance without the annual fees required by some insurance companies or with greatly reduced fees.
An agent providing no load life insurance might lack the variety of insurance policies that will meet your needs.
Primerica Life Insurance Company has a number of options that make the company an attractive choice for individuals who are deciding on a policy, and a history that will allow your family to rest assured that you're making the right choice.
Primerica Life Insurance Company has been around since the 1980s and, in the decades since the company formed, they have served families with a variety of life insurance policies.
Term life insurance is offered by Primerica, at a minimum of ten years and a maximum of 35 years.
The holder of the life insurance policy is entitled to a portion of his or her insurance in the case of a terminal illness from which he or she is not expected to recover.
If you are considering purchasing a life insurance policy, do your homework.
While Primerica's life insurance is straightforward, other companies may have other benefits and offerings for you to consider.
Ameriprise Financial first acquired the IDS Life Insurance Company in 1958.
By 1986, IDS Life Insurance bought out the Wisconsin Employers Casualty Company and it was then renamed IDS Property Casualty Insurance Company.
Life Insurance - Purchasing a life insurance policy can be difficult, especially if you aren't sure what type of insurance you need and how much.
For example, it began to offer homeowners insurance and life insurance.
Before buying a life insurance policy, conduct thorough whole life insurance comparisons to determine if the policy is right for you.
Once you have decided that whole life is best for you, you need to conduct whole life insurance comparisons to find out which particular policy is the best choice.
Globe Life and Accident Insurance Company was founded in Oklahoma in 1951 with a goal of providing inexpensive life insurance to people in rural areas.
In 1970, Globe Life was acquired by Liberty National Life Insurance Company.
Although best known for their life insurance plans, Globe Life offers other types of insurance.
Accidental death insurance can pay up to $250,000 to your beneficiaries as a cash payment like a traditional life insurance policy, but there are some restrictions.
This company specializes in a wide variety of life insurance products.
This insurance company aggressively markets large employers for access to employees in order to offer life insurance products to a large number of people.
There are numerous forms that can be used for everything from dental coverage to changing a life insurance beneficiary.
For example, the forms that will be used in New York for life insurance coverage may be completely different from the forms that are used in Maryland for the same type coverage.
There are different requirements for filing a claim for life insurance as opposed to a disability claim.
Since that time, Aviva has grown and developed and currently has over 900,000 customers being assisted with their life insurance and financial planning needs by over 29,000 independent agents.
Unlike a life insurance policy, these funds are not transferred to the recipient on a tax-free basis.
The most common reinsurance situation is with companies that sell life insurance since these policies are extremely high risk.
If the insured makes a claim on his life insurance policy, the insurance company then makes a claim with their reinsurer.
Having general protection for whatever life throws your way is important, which is why free instant life insurance quotes in England are so important.
There are a variety of ways in which you can use life insurance to ensure that that you and your family are secure no matter what may occur.
Getting free life insurance quotes will help you to make an informed, economical decision about which life insurance company is best for you.
No matter where you live, purchasing life insurance should be a priority.
Fortunately, there are a number of companies that can provide free instant life insurance quotes in England.
Many of these companies can provide various types of life insurance coverage to suit your personal needs.
One very popular company offering life insurance coverage is Sainsbury's.
This company offers life insurance coverage starting at five pounds with rates rising from there depending on personal coverage needs.
Sainsbury's has a choice of two life insurance options, which include level and decreasing insurance.
Another company that provides free life insurance quotes online instantly is Aviva.
They also offer a number of services under their life insurance plans.
One of these benefits is the ability to obtain a terminal illness and/or a critical illness rider to the life insurance policy.
It is always good to have a number of companies available where one can obtain free instant life insurance quotes in England.
Likewise, more options means that you have the ability to pick the life insurance plan that is right for you.
The clients can then quote for life insurance coverage more efficiently.
In the 1990s, a woman in Sacramento was charged with fraud after she sold almost a thousand fake life insurance policies.
Sometimes people will have an auto insurance broker, a life insurance broker, and a health insurance broker if needed- basically three separate people to handle different types of health insurance concerns.
One of the most stressful things to think about can be the beneficiaries to life insurance policies.
Most people choose children, spouses, family members, or most trusted friends to be a life insurance beneficiary, someone who will be able to distribute everything that you own properly.
In short, they are the person who will get your life insurance benefits when you pass away or if there is a serious accident that is included in your life insurance plan.
When you want to name a beneficiary, you will certainly be asked these questions before signing a life insurance policy.
Figuring out who to choose as beneficiaries to life insurance policies can be difficult.
In most cases, an annuity is paid for on a monthly basis similar to life insurance and it is available to be cashed out for monetary payment depending on the terms and conditions of the annuity.
You get paid through periodic checks, similar to how payouts work with whole life insurance.
Start with companies with which you already have insurance, such as the company that issues your car insurance policy or life insurance.
You may have received a sales pitch from an insurance salesperson with a bewilderingly high premium for a whole life policy, and you want that whole life insurance explained.
Whole life insurance is simply a life insurance policy that stays in force for your entire life.
Whole life insurance is all about guarantees.
Whole life insurance is a suitable vehicle to provide cash liquidity at the insured's death to settle an estate, to pay estate taxes, to pay for final expenses, or to equalize an estate.
When a life insurance company makes a profit, it can add funds to the company reserve, or it can distribute profits to its owners in the form of dividends.
If you no longer need the life insurance death benefit, or if you have a need for cash for any reason, you can withdraw any dividends that have accumulated within the policy, tax-free.
You can also borrow against the life insurance policy, tax free.
You will pay an interest rate to the life insurance company, but you don't have to make payments.
There are no strings on accessing the living benefits of a life insurance policy - you can access it even if you are under age 59 1/2, and you can use the money for any reason you want.
Although dividends are never certain, once the dividend is credited to a life insurance policy, it will never go down.
Other forms of life insurance policies, such as universal life policies, offer no such guarantees.
Whole life insurance has a relatively high premium early in life compared to term insurance policies.
A whole life insurance policy has a higher premium for the same dollar amount initially, but can be the least expensive form of life insurance over the course of a lifetime.
The Liberty National Life Insurance Company has been in business for over a century.
It offers supplemental health and life insurance coverage to consumers.
Liberty National writes policies for life insurance and supplemental health and accident coverage.
Term life insurance provides coverage for a set term only.
Whole life insurance coverage provides permanent life insurance coverage.
This may be a more expensive way to get life insurance coverage, but the policyholder reaps the benefit of level premiums for the lifetime of the policy.
Liberty National Life Insurance Company provides specialized insurance products to its policyholders.
If you are shopping around for term life insurance, it's important to know all of the options that are available to you and where you can find the most accurate life insurance quotes.
Whether you're looking for 10, 20, or 30 year term life insurance, the general rules of life insurance apply.
This is why, before shopping for 30 year term life insurance quotes and jumping on the lowest priced policy you can find, it might be smart to examine what options are available to combine shorter term life policies.
Unlike whole life or universal life insurance where there is a portion of the insurance policy with a "cash value," term life is much more straightforward.
This is a situation where financial needs of the family are very high andthe need for a 30 year term life insurance policy is very high.
Because of this, the need for term life insurance at this age becomes much less.
Additionally, by retirement most people have built up a substantial savings, so the need for a financial "safety net" provided by a life insurance policy is no longer necessary.
As you can see from the examples above, your choice regarding term life insurance greatly depends up on the circumstances of your life.
However, before you sign up, make sure that you have an actual need for life insurance.
One thing you'll discover if you try to find 10, 20, or 30 year term life insurance quotes is that it's nearly impossible to find actual prices on the Internet.
The following are the top life insurance companies that offer online term life insurance quotes.
Met Life - Offers a term life insurance quote instantly from their front page, you just have to enter your state and date of birth.
You can get a quote by clicking on the orange "Get an Aflac Quote" on the life insurance page.