COVER BY INSURANCE

Senior life insurance  will continue to rise, as increased government regulation establishes consistent rules across the country. The senior life insurance industry is showing no signs of slowing down. More people than ever before are considering receiving immediate financial benefits from their life insurance policy by entering into an arrangement with a broker. Increased regulatory and industry oversight has improved the stature of the industry, giving consumers more confidence in working with life insurance brokers . This has led to a growing number of investment firms making senior life settlements part of their long-term financial planning strategies for clients. So what will the life insurance industry look like? Here are a few predictions for changes that might occur in the industry in the coming year: Increased Broker Interaction: The industry has recently shifted away from a model where the producer or investor can handle a transaction and to a model where life insur...

Want to find life insurance ? Let us take a look at the 10 year, 20 year and 30 year term life insurance policies . You know, you have a bunch of great policies that the public can choose from before they decide to purchase life insurance , however, for some reason there are certain ones that just stand out. They tend to stand way above all level term life insurance policies. Sometimes I wonder why. Don't misunderstand what I am saying here, the 10 year, 20 year and 30 year term life insurance policies are great policies but so are the 15 year and 25 year term life policies. 20 Year Term Life Insurance Why would the breadwinner of a family consider the 20 year term first? I guess the choice depends on the point in time that this person decides to buy. In some cases there is a new baby in the family, perhaps the first child. These young people are so overjoyed at the presence of this newborn they just want to do everything possible to protect their new bundle of joy. 20 years so...

Purchase life insurance quotes don’t always come cheap. That’s because life insurance companies are taking a gamble when they decide to insure your life and, like all gamblers, insurers or life insurance broker need to know how much of a risk they are taking when deciding whether or not your life is a safe bet. With high insurance premiums, it can be tempting to be “economical” with the truth or just to downright lie as you fill out your policy form. However, omitting the full truth either by choice or ignorance can lead to your policy being declared void, which leaves those left behind with nothing, even if you have continued to make your monthly payments. Truth is always the best policy, so here are 3 top “don’ts” that you should bear in mind. Don’t be coy about your age Age is a determining factor when it comes to life insurance quotes, as the older you get, the more your premium or life insurance prices is going to go up. Your age is an easy thing for insurers to check once a ...

The changing healthcare and health insurance landscape in the United States has resulted in more individuals and families purchasing health insurance coverage on their own. Rather than touch on the number of reasons why this is the case, I would like to provide individuals and families finding themselves in this position with ten basic ideas to assist them with getting the best health insurance policy for their specific situation. Below is a combination of ten questions and suggestions that will provide the tools necessary to get a medical insurance policy that will best work for you and your family. What are your typical health and medical care expenses in a calendar year? Most people are surprised when they go through this exercise to learn that they would be financially better off in most years to purchase a high deductible health insurance plan and use the premium savings to directly offset heath care expenses throughout the year.   How long do you anticipate ...

Are you looking for an affordable health insurance provider? Let me ask you a few questions and see if we can get you on the right track. Are you a student? Are you currently employed? If so, does your employer have health insurance available? If your work does provide health insurance, but you are a new employee and are going through your waiting period, are you looking for a temporary health insurance plan? Are you looking for individual insurance or do you need a family plan? There are a lot of intangibles involved when you are trying to find an affordable medical insurance policy. These are similar questions that you'll be asked by an agent when you go to get a quote. They'll need to be able to narrow down what you're looking for in order to provide you with the most helpful information and the proper coverage.  Other questions will be "do you have any current illnesses that we should be aware of?" They will have a long list of selections to choo...