LIFE INSURANCE 101 / Life Insurance and Divorce / Financial Academy School
LIFE INSURANCE 101
Most people buy life insurance to replace the income that would be lost if a wage earner passed away.
With quite a few different types of life insurance on the market today; the cost of a policy and the features it offers can differ tremendously.
Understanding the ins and outs of each type of life insurance policy will ensure that you choose the ideal plan to guarantee the right amount of coverage to protect your family.
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'UNDERSTAND DIFFERENT TYPE OF INSURANCE. SOME OF THEM YOU MAY NOT NEED AT ALL, OR NEVER HEARD ABOUT.
' Abundance, Wealth And Prosperity. How To Become Wealthy And Live Abundance Life.Life insurance can help you financially, whether it's funding your children's education or planning for a comfortable future.
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Choosing the right life insurance
What you need to know about life insurance, including types of insurance policies and deciding on how much coverage you need
1. All policies fall into one of two camps.
There are term policies, or pure insurance coverage, and the many variants of whole life, which combine an investment product with pure term insurance and build cash value.
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2. Insurance is sold, not bought.
Agents sell the vast majority of life policies written in the U.S. because the life insurance industry has a vested interest in pushing high-commission (and high-profit) whole-life policies.
Insurance Of America // Understanding Different Type Of Insurance
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3. Whole life is expensive.
Policies with an investment component cost many times more than term policies. As a result, many people who buy whole life often can't afford an adequate face value, leaving themselves underinsured.
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4. Whole-life policies are built on assumptions.
The returns quoted by the agent are simply guesses - not reality. And some companies keep these guesses of future returns on the high side to attract more buyers.
- Life Insurance - : Ways to Reduce Your Life Insurance Premium; Learn the importance and benefits of life insurance in real life
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5. Keep your investing and insurance strictly separate.
There are better places to invest - and without the high commissions of whole-life policies.
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6. Buy enough term coverage to fill your needs.
Life insurance is no place to skimp, especially with generally low rates. Health Care Insurance // : Your Health Care Insurance and what it should Cover; Things to Remember When Buying Health-care Insurance..
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7. Match the term of the policy to your needs.
You want the policy to last as long as it takes for your dependents to leave the nest - or for your retirement income to kick in.
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8. Buy when you're healthy.
Older people and those not in the best of health pay steeply higher rates for life insurance - so buy as early as you can, but don't buy until you have dependents.
- Long-Term Care Insurance // What is long-term care insurance? Why Should I buy a
long-term care policy? What should I look for in a long-term policy?
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9. Tell the truth.
There's no sense in shading the facts on your application to get a lower rate. Be assured that if a large claim is made, the insurance company will investigate before paying.
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10. Use the Web to shop.
Buying life insurance has never been easier, thanks to the Internet. You can get tons of quotes - and avoid the pushy salespeople. ''The Art Of Selling: How to become a master salesperson.
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There are term policies, or pure insurance coverage, and the many variants of whole life, which combine an investment product with pure term insurance and build cash value.
-------------------
2. Insurance is sold, not bought.
Agents sell the vast majority of life policies written in the U.S. because the life insurance industry has a vested interest in pushing high-commission (and high-profit) whole-life policies.
Insurance Of America // Understanding Different Type Of Insurance
-----------------
3. Whole life is expensive.
Policies with an investment component cost many times more than term policies. As a result, many people who buy whole life often can't afford an adequate face value, leaving themselves underinsured.
----------------------
4. Whole-life policies are built on assumptions.
The returns quoted by the agent are simply guesses - not reality. And some companies keep these guesses of future returns on the high side to attract more buyers.
- Life Insurance - : Ways to Reduce Your Life Insurance Premium; Learn the importance and benefits of life insurance in real life
--------------------------
5. Keep your investing and insurance strictly separate.
There are better places to invest - and without the high commissions of whole-life policies.
--------------------------
6. Buy enough term coverage to fill your needs.
Life insurance is no place to skimp, especially with generally low rates. Health Care Insurance // : Your Health Care Insurance and what it should Cover; Things to Remember When Buying Health-care Insurance..
----------------------
7. Match the term of the policy to your needs.
You want the policy to last as long as it takes for your dependents to leave the nest - or for your retirement income to kick in.
--------------------
8. Buy when you're healthy.
Older people and those not in the best of health pay steeply higher rates for life insurance - so buy as early as you can, but don't buy until you have dependents.
- Long-Term Care Insurance // What is long-term care insurance? Why Should I buy a
long-term care policy? What should I look for in a long-term policy?
---------------------
9. Tell the truth.
There's no sense in shading the facts on your application to get a lower rate. Be assured that if a large claim is made, the insurance company will investigate before paying.
---------------
10. Use the Web to shop.
Buying life insurance has never been easier, thanks to the Internet. You can get tons of quotes - and avoid the pushy salespeople. ''The Art Of Selling: How to become a master salesperson.
SALES MANAGEMENT AND TRAINING. How to be the best salesperson ever. ''-
------------------
There are two types of life insurance:
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The other type of life insurance, whole life insurance (also known as permanent life insurance), covers you throughout your lifetime and has a cash value. You might also hear about universal life insurance, which a form of whole life insurance that doesn't guarantee your coverage or premium, like whole policies generally do.
Efinancial offers term life insurance quotes from many of the nation's top life insurance companies, so you have several options to find the right life insurance company and policy for your budget. -------''Secret Societies And Conspiracy Theory''
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''History Of Insurance. Industries & Companies Around The Globe.
With term life insurance, you can match the length of your policy to your specific needs - something many people may not consider. For instance, if your mortgage will be paid off in 15 years, you want to make sure your life insurance policy adequately covers that period. However, after it's paid off, you can adjust your life insurance policy to match your needs at that time.
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Life insurance is an important precaution when it comes to insuring financial future of a family. Protecting your family against the occurrence of unexpected; however a suitable life policy can relieve your financial worries caused by unexpected disappearance . Nursing & Nurses - //'Health Care Opportunity - Health Care Employment. Do not let your anxiety overcome your dreams. Nursing Alliance Of America...//
CALL ANTONY AT: ... WE HAVE A PLAN TO BETTER HELP YOURSELF, YOUR FAMILY, YOUR FRIENDS, AND OTHER FAMILIES TO BE PROPERLY PROTECTED.
Life Insurance Can Help You Stop your family, Your love ones from crying twice.
#1- Because you gone,
#2 Because of the problems, Financial trouble you left behind.
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Children don’t need life insurance.
Buying life insurance for children guarantees their insurability when they’re young and healthy and into the future with the lowest rate possible.
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South Florida, Call Anthony The Insurance Representative
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WE HAVE A PLAN TO BETTER HELP YOURSELF, YOUR FAMILY, YOUR FRIENDS, AND OTHER FAMILIES TO BE PROPERLY PROTECTED.
- Term life insurance offers simple, affordable coverage for a set time period, typically 10 to 30 years.
- Permanent life insurance offers coverage for your lifetime with the potential to build equity in the form of cash value and options for more flexibility.1
''What to do to lower your insurance premium.'Important Car,Home, & Life Insurance Issues to Understanding,,
What is term life insurance?
Term life insurance provides coverage for a specific period of time. Generally, you can buy term life insurance for periods of five years or more, and your policy is active until that period passes.The other type of life insurance, whole life insurance (also known as permanent life insurance), covers you throughout your lifetime and has a cash value. You might also hear about universal life insurance, which a form of whole life insurance that doesn't guarantee your coverage or premium, like whole policies generally do.
Efinancial offers term life insurance quotes from many of the nation's top life insurance companies, so you have several options to find the right life insurance company and policy for your budget. -------''Secret Societies And Conspiracy Theory''
''The 10 Commandments Of Wealth, Money, Abundance And Prosperity''youtube-video
---------------------
''History Of Insurance. Industries & Companies Around The Globe.
Why buy life insurance?
Life insurance is something to consider, regardless of your age. Rather than thinking it's morbid, look at life insurance as a smart way to plan for others so they're not left floundering. If you're single, married, a parent, or a grandparent, you can find the right life insurance policy to suit your needs.With term life insurance, you can match the length of your policy to your specific needs - something many people may not consider. For instance, if your mortgage will be paid off in 15 years, you want to make sure your life insurance policy adequately covers that period. However, after it's paid off, you can adjust your life insurance policy to match your needs at that time.
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''Real Estate Investing: The 10 Commandments Of Buying Properties With No Money And, Or No Credit.
How much life insurance do you need?
An ideal time to buy life insurance is when you're healthy because you'll pay less. As the years pass, keep in mind that rates change, so even if you already have life insurance, you can get the same - or more - coverage for less money.-----------------------------------------
''What Are The 12 Great Benefits, & Advantages Of Owning A Life Insurance Policy?
----------------------
Choosing the right life insurance
What you need to know about life insurance, including types of insurance policies and deciding on how much coverage you need
''The 10 Commandments Of Investing In The Financial Market Stock Market.''----------------------
Understanding Life Insurance
''Life insurance policies'' are among a variety of possible plans for individuals looking for stability against the uncertainty of future life events. Before you assume that you cannot afford life insurance protection,
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''WHY YOU SHOULD I HAVE A LIFE INSURANCE POLICY?
Planning for life insurance doesn't have to be an unpleasant experience. In fact, it can be quite comforting to know that you've considered all aspects of your life and are ensuring your loved ones are in good hands. Efinancial makes it convenient for you by offering instant online life insurance quotes that can save you both time and money.
Plan today so you can enjoy tomorrow.
-------------------------------Planning for life insurance doesn't have to be an unpleasant experience. In fact, it can be quite comforting to know that you've considered all aspects of your life and are ensuring your loved ones are in good hands. Efinancial makes it convenient for you by offering instant online life insurance quotes that can save you both time and money.
Plan today so you can enjoy tomorrow.
What type of insurance is best for me?
With all of the plan choices, options, limits, and add-ons, figuring out which policy is best for you and your family can be overwhelming. Keep one thing in mind:
With all of the plan choices, options, limits, and add-ons, figuring out which policy is best for you and your family can be overwhelming. Keep one thing in mind:
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Life Insurance And Honesty
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Honesty is a Virtue.
Lying on your insurance application can be the worst idea you will ever have. Not just because it’s dishonest. Providing fraudulent information to an insurance company will nullify your insurance coverage and leave your beneficiaries with nothing.
Lying on your insurance application can be the worst idea you will ever have. Not just because it’s dishonest. Providing fraudulent information to an insurance company will nullify your insurance coverage and leave your beneficiaries with nothing.
If the company proves you lied about your health or hobbies, the beneficiaries will not be entitled to the death benefit. That would not be the life legacy you had in mind. Be truthful; don’t withhold important medical information or risky hobbies.
These insurance companies have plenty of resources to uncover the truth and if they discover something you failed to disclose, you could have a lot to lose.
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Life insurance is an important precaution when it comes to insuring the financial future and well being of your family and also to protect your dignity.
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Making Life Insurance Simple to Understand
Why do I need Life insurance?
Life insurance proceeds can provide both financial security for your loved ones and peace of mind for yourself. It can help you rest easy, knowing that you have helped to financially protect those you care about.
Life insurance can help:
- Pay the mortgage
- Maintain your family’s current standard of living
- Fund the kids’ college education
- Pay for final expenses
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What kind of Life insurance fits my needs?
You have more than one option when it comes to choosing a Life insurance policy – Term insurance and Permanent insurance (which includes Whole Life insurance and Universal Life insurance). Learn which option is right for you.
How much does Life insurance cost?
You can now buy Life insurance for less than you might spend for your daily cup of coffee or bottled water! And the younger and healthier you are, the lower your annual premium.
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About Life Insurance
Get peace of mind, knowing you've helped protect your loved
ones. Life insurance can help provide for the people who depend on
you financially, if you can't be there for them. The money can be used for final
expenses, help to replace your lost income, cover debts, pay your mortgage, fund
a child's education, and more.
Relieves Anxieties over Life's Uncertainties
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Life insurance is an important precaution when it comes to insuring financial future of a family. Protecting your family against the occurrence of unexpected; however a suitable life policy can relieve your financial worries caused by unexpected disappearance . Nursing & Nurses - //'Health Care Opportunity - Health Care Employment. Do not let your anxiety overcome your dreams. Nursing Alliance Of America...//
As a Professional Insurance Representative; I am Dedicated to Protecting my Clients Welfare.
I Will Provide You With High Quality Life Insurance.SOUTH FLORIDA, CALL ANTHONY ..
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Life insurance is a fundamental necessity to ensure the protection of the financial future of your family. Protecting your family against lost of income in case you no longer present.
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AFFORDABLE LIFE INSURANCE: BEST PRICES, BEST PLAN, WITH THE BEST COMPANY.
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LIFE Insurance should be an indispensable alternative that we should not go without because that can help us protect our dignity and help the love ones we left behind with financial troubles, debts
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Life insurance plays a pivotal role in securing the financial future and well-being of a family. Purchasing suitable life insurance coverage for your family could be the best decision you take.
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Life insurance has always been an essential element of a personal finance plan of any family who understand the real value of Life Insurance. Buying appropriate life insurance coverage for you and your family is smart move.
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<Be Properly Protected With a Good Life Insurance Policy> Available At Very Low Rates, -''Child Term Rider Every Kids Cover Under Parents
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Life insurance is a fundamental necessity to ensure the protection of the financial future of your family. Protecting your family against lost of income in case you no longer present.
SOUTH FLORIDA, CALL ANTHONY THE INSURANCE REPRESENTATIVE
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Life Insurance Can Help You Stop your family, Your love ones from crying twice.
#1- Because you gone,
#2 Because of the problems, Financial trouble you left behind.
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Life insurance is the key to insuring the financial future and basic needs. Protecting your family against the economic difficulties; however a suitable life policy can relieve financial burden on the ones you left behind.
Family Treasure; Life Insurance Can be a Great One.
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Children don’t need life insurance.
Buying life insurance for children guarantees their insurability when they’re young and healthy and into the future with the lowest rate possible.
Certain policies might even be paid, not requiring further premiums, by the time they reach adulthood.
Should something happen to them, life insurance proceeds can cover the debt of unpaid student loans ETC.
Life insurance is one of the greatest gifts you can give to your child or grandchild.
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Be Properly Protected; Just in Case if You Die Younger to Minimize the Financial Trouble for Your Love Ones.
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Be Properly Protected; Just in Case if You Die Younger to Minimize the Financial Trouble for Your Love Ones.
Having a good, suitable life insurance can safeguard your family against financial catastrophes arising from your absent.
Certainly there is a plan to better help yourself, your family, your friends and other families to be properly protected..
South Florida, Call Anthony The Insurance Representative
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Life Insurance and Divorce
The U.S. Census Bureau offers a sobering statistic: half of all marriages end in divorce. Divorce is an emotional life event that forces you to reassess all aspects of your finances.
When the issue of life insurance arises, it can often spark confusion and even controversy. It is a subject that requires discussion during a divorce settlement, especially when a splitting couple has dependent children.
Most divorce courts will require the providing spouse to maintain a policy that covers the child support payments for however long the payments have been required through the divorce settlement.
However, enforcing this can be difficult as there is no easy way to check that payments have been made on your life insurance policy or if the beneficiary has been changed.
- You may find yourself asking the following questions
- Will you change the beneficiary assignment from your soon-to-be ex-spouse to your children?
- Who will own the policy?
- How does life insurance affect alimony?
This section will cover these concerns and prepare you for a healthy discussion on the sensitive but important topic of how to handle life insurance during a divorce. You will learn the necessary steps to take during divorce proceedings and which life insurance plan may be your best fit.
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