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CORNELIUS
In the screenshot above, you see quotes ranging from $28.23 to $29.41 per month for a $500,000, 30-year term life insurance policy. Not shown are 7 additional options with the most expensive being $40.69 per month. To help you compare the differences of all your options, check the “Ratings & Info” for more details and helpfulinformation.
LIFE INSURANCE POLICY OWNER A life insurance policy ensures the life of a person. This person is called the insured. The insured might be the owner of the policy or might not. The policyowner is the person who has control over the policy. They are responsible for making sure the premiums are paid. They also choose who the beneficiaries are and can change them at anytime.
MEDICAL CONDITIONS AND LIFE INSURANCE: CASE STUDIES Amy is a 42-year-old female and applied for a 20-year policy with $750,000 in coverage. Her medical exams results revealed that her A1c level is 6.5% while the normal range for the hemoglobin A1c test is between 4% and 5.6%. The life insurance carrier approves Amy at Standard Non-Tobacco with a monthly premium of $83.79. MY PARENTS BOUGHT LIFE INSURANCE ON ME hi my mom whom lives in alabama i live in texas for the past 10 years has had a prudential whole life policy on me now since i was probably 4 or 5 maybe since i was born not sure but anyways i was living in ohio bout to give birth to my last child who is now going to be 21 in june and my mother calls me and says i need to meet with her/mine insurance guy and sign some papers but not to worry DO LIFE INSURANCE COMPANIES TRACK DOWN BENEFICIARIES Don’t rely on the insurance company to track down your beneficiaries, even if you live in a state that has adopted the Unclaimed Life Insurance Benefits Act. This process isn’t a quick one. As mentioned earlier, states that have adopted this act typically only check semi-annually. Then there’s the process of validating andhunting down
LIFE INSURANCE AND LUPUS: BUYER'S GUIDE Therefore, she pays $70 per month. Example #2. Liz Jones is 40 years old and was diagnosed with lupus five years ago, but currently has no symptoms and it has been over three years since she has had to partake in any treatment plan. Liz applies for a DIFFERENCES BETWEEN TERM, UNIVERSAL, AND WHOLE LIFE When compared to other permanent life insurance products, whole life insurance is a bit more manageable and has less risk. Whole life insurance premiums are fixed so you know what you’ll be paying the entire life of the policy. Other permanent products, such as universal life insurance, need more monitoring because of the flexibility and OWNING LIFE INSURANCE If you are the owner of your own life insurance policy, it becomes part of your taxable estate when you die. Owning your life insurance policy could put you past the tax exemption threshold which would mean estate taxes would apply. For example, in Minnesota the 2017 individual estate tax exemption is $1.8 million. KIDNEY DISEASE 101 AND HOW IT AFFECTS LIFE INSURANCE The kidneys are two bean-shaped, fist-sized organs found on the left and right sides of the body in your lower back. According to Kidney.org, they maintain overall health through the following functions: Filtering waste out of 200 liters of blood each day. LIFE INSURANCE POLICIES The length of coverage, The price you will pay, and. The benefits the policy provides. Term life insurance is coverage designed to last a specific period of time to protect your loved ones from financial struggle should you die unexpectedly. Term periods range from 10 TERM LIFE INSURANCE QUOTES WITHOUT YOUR PERSONALAUTHOR: NATASHACORNELIUS
In the screenshot above, you see quotes ranging from $28.23 to $29.41 per month for a $500,000, 30-year term life insurance policy. Not shown are 7 additional options with the most expensive being $40.69 per month. To help you compare the differences of all your options, check the “Ratings & Info” for more details and helpfulinformation.
LIFE INSURANCE POLICY OWNER A life insurance policy ensures the life of a person. This person is called the insured. The insured might be the owner of the policy or might not. The policyowner is the person who has control over the policy. They are responsible for making sure the premiums are paid. They also choose who the beneficiaries are and can change them at anytime.
MEDICAL CONDITIONS AND LIFE INSURANCE: CASE STUDIES Amy is a 42-year-old female and applied for a 20-year policy with $750,000 in coverage. Her medical exams results revealed that her A1c level is 6.5% while the normal range for the hemoglobin A1c test is between 4% and 5.6%. The life insurance carrier approves Amy at Standard Non-Tobacco with a monthly premium of $83.79. MY PARENTS BOUGHT LIFE INSURANCE ON ME hi my mom whom lives in alabama i live in texas for the past 10 years has had a prudential whole life policy on me now since i was probably 4 or 5 maybe since i was born not sure but anyways i was living in ohio bout to give birth to my last child who is now going to be 21 in june and my mother calls me and says i need to meet with her/mine insurance guy and sign some papers but not to worry DO LIFE INSURANCE COMPANIES TRACK DOWN BENEFICIARIES Don’t rely on the insurance company to track down your beneficiaries, even if you live in a state that has adopted the Unclaimed Life Insurance Benefits Act. This process isn’t a quick one. As mentioned earlier, states that have adopted this act typically only check semi-annually. Then there’s the process of validating andhunting down
LIFE INSURANCE AND LUPUS: BUYER'S GUIDE Therefore, she pays $70 per month. Example #2. Liz Jones is 40 years old and was diagnosed with lupus five years ago, but currently has no symptoms and it has been over three years since she has had to partake in any treatment plan. Liz applies for a DIFFERENCES BETWEEN TERM, UNIVERSAL, AND WHOLE LIFE When compared to other permanent life insurance products, whole life insurance is a bit more manageable and has less risk. Whole life insurance premiums are fixed so you know what you’ll be paying the entire life of the policy. Other permanent products, such as universal life insurance, need more monitoring because of the flexibility and OWNING LIFE INSURANCE If you are the owner of your own life insurance policy, it becomes part of your taxable estate when you die. Owning your life insurance policy could put you past the tax exemption threshold which would mean estate taxes would apply. For example, in Minnesota the 2017 individual estate tax exemption is $1.8 million. KIDNEY DISEASE 101 AND HOW IT AFFECTS LIFE INSURANCE The kidneys are two bean-shaped, fist-sized organs found on the left and right sides of the body in your lower back. According to Kidney.org, they maintain overall health through the following functions: Filtering waste out of 200 liters of blood each day.PAYING OFF DEBT
Americans, for the most part, have too much debt. As of November 2020, consumer debt is at $14.2 trillion, with Americans carrying an average personal debt of $92,727.. If you’re in debt, the worst thing to do is ignore it and hope it goes away. Debt management is a task every individual should make a LIFE INSURANCE AND FAMILY Referring to the table above as an example, a 35-year-old healthy man can purchase $500,000 in term life insurance coverage for $21.67 permonth.
AFFORDABLE LIFE INSURANCE The table above shows real quotes for a healthy male. A 40-year-old man purchasing $500,000 worth of term life insurance to financiallyprotect his
TERM LIFE INSURANCE QUOTES WITHOUT YOUR PERSONAL In the screenshot above, you see quotes ranging from $28.23 to $29.41 per month for a $500,000, 30-year term life insurance policy. Not shown are 7 additional options with the most expensive being $40.69 per month. To help you compare the differences of all your options, check the “Ratings & Info” for more details and helpfulinformation.
END-OF-LIFE DOCUMENTS However, even those of us with modest estates need certain documents in place. Here are the four most common end-of-life documents you should have. Last Will and Testament a.k.a. Will. Durable Power of Attorney. Durable Healthcare Power of Attorney a.k.a. Medical Power of Attorney. Living Will a.k.a. Advance Directive. LIFE INSURANCE TERMINOLOGY Carrier – The life insurance carrier is responsible for financially managing the shared pool of life insurance money available for pay out if the insured dies. Also referred to as the life insurance company or insurer. Cash Value – Cash value is a feature of some permanent life insurance policies. A portion of your paid premiums are invested by the insurance company earning interest over time. LIFE INSURANCE POLICY OWNER A life insurance policy ensures the life of a person. This person is called the insured. The insured might be the owner of the policy or might not. The policyowner is the person who has control over the policy. They are responsible for making sure the premiums are paid. They also choose who the beneficiaries are and can change them at anytime.
TERM LIFE INSURANCE FOR COSIGNERS There are two ways to buy term life insurance to protect a cosigner. The loan borrower buys a term policy on him or herself for the loan amount and names the cosigner a beneficiary. The cosigner buys a term policy on the borrower for the loan amount and cosigner is both owner and beneficiary. Jane Smith recently divorced from her spouse. OWNING LIFE INSURANCE If you are the owner of your own life insurance policy, it becomes part of your taxable estate when you die. Owning your life insurance policy could put you past the tax exemption threshold which would mean estate taxes would apply. For example, in Minnesota the 2017 individual estate tax exemption is $1.8 million. DENTAL HEALTH AND YOUR LIFE EXPECTANCY It’s easy to say that you’ll brush and floss daily, but people aren’t perfect. However, keeping your chompers clean means more than just looking nice – good dental health can actually lower your risk of contracting diabetes, heart disease, or even having a stroke. Since February is Children’s Dental Health month, we wanted to spread LIFE INSURANCE POLICIES The length of coverage, The price you will pay, and. The benefits the policy provides. Term life insurance is coverage designed to last a specific period of time to protect your loved ones from financial struggle should you die unexpectedly. Term periods range from 10 TERM LIFE INSURANCE QUOTES WITHOUT YOUR PERSONALAUTHOR: NATASHACORNELIUS
In the screenshot above, you see quotes ranging from $28.23 to $29.41 per month for a $500,000, 30-year term life insurance policy. Not shown are 7 additional options with the most expensive being $40.69 per month. To help you compare the differences of all your options, check the “Ratings & Info” for more details and helpfulinformation.
END-OF-LIFE DOCUMENTS However, even those of us with modest estates need certain documents in place. Here are the four most common end-of-life documents you should have. Last Will and Testament a.k.a. Will. Durable Power of Attorney. Durable Healthcare Power of Attorney a.k.a. Medical Power of Attorney. Living Will a.k.a. Advance Directive. DO LIFE INSURANCE COMPANIES TRACK DOWN BENEFICIARIESAUTHOR: NATASHACORNELIUS
Don’t rely on the insurance company to track down your beneficiaries, even if you live in a state that has adopted the Unclaimed Life Insurance Benefits Act. This process isn’t a quick one. As mentioned earlier, states that have adopted this act typically only check semi-annually. Then there’s the process of validating andhunting down
MY PARENTS BOUGHT LIFE INSURANCE ON ME hi my mom whom lives in alabama i live in texas for the past 10 years has had a prudential whole life policy on me now since i was probably 4 or 5 maybe since i was born not sure but anyways i was living in ohio bout to give birth to my last child who is now going to be 21 in june and my mother calls me and says i need to meet with her/mine insurance guy and sign some papers but not to worry DIFFERENCES BETWEEN TERM, UNIVERSAL, AND WHOLE LIFEAUTHOR: NATASHACORNELIUS
When compared to other permanent life insurance products, whole life insurance is a bit more manageable and has less risk. Whole life insurance premiums are fixed so you know what you’ll be paying the entire life of the policy. Other permanent products, such as universal life insurance, need more monitoring because of the flexibility and IS LIFE INSURANCE PROTECTED FROM BANKRUPTCY AND CREDITORS The U.S. government recognizes that life insurance is extremely important to family financial planning. In addition to tax advantages of life insurance, there are also laws in place to exempt some life insurance from bankruptcy and creditors. When you file for bankruptcy, creditors are only interested in your current matured assets. THE IMPORTANCE OF HAVING POWERS OF ATTORNEY Before we get into the importance of having powers of attorney, let’s define some key terms. Power of Attorney – A power of attorney (POA) is a document that states a person or organization you name to act on your behalf in regards to handling financial and business transactions. Unless the POA is durable, it becomes invalid if you become incapacitated. IS IT A GOOD IDEA TO MAKE A MINOR A BENEFICIARY? To summarize: Step 1 – Donor transfers property to a custodian to be held for the benefit of the minor. Step 2 – Custodian can use the property and any income that property produces on behalf of the minor. Step 3 – At age 18 or 21, the custodian must transfer the propertyoutright to
KIDNEY DISEASE 101 AND HOW IT AFFECTS LIFE INSURANCE The kidneys are two bean-shaped, fist-sized organs found on the left and right sides of the body in your lower back. According to Kidney.org, they maintain overall health through the following functions: Filtering waste out of 200 liters of blood each day. LIFE INSURANCE POLICIES The length of coverage, The price you will pay, and. The benefits the policy provides. Term life insurance is coverage designed to last a specific period of time to protect your loved ones from financial struggle should you die unexpectedly. Term periods range from 10 TERM LIFE INSURANCE QUOTES WITHOUT YOUR PERSONALAUTHOR: NATASHACORNELIUS
In the screenshot above, you see quotes ranging from $28.23 to $29.41 per month for a $500,000, 30-year term life insurance policy. Not shown are 7 additional options with the most expensive being $40.69 per month. To help you compare the differences of all your options, check the “Ratings & Info” for more details and helpfulinformation.
END-OF-LIFE DOCUMENTS However, even those of us with modest estates need certain documents in place. Here are the four most common end-of-life documents you should have. Last Will and Testament a.k.a. Will. Durable Power of Attorney. Durable Healthcare Power of Attorney a.k.a. Medical Power of Attorney. Living Will a.k.a. Advance Directive. DO LIFE INSURANCE COMPANIES TRACK DOWN BENEFICIARIESAUTHOR: NATASHACORNELIUS
Don’t rely on the insurance company to track down your beneficiaries, even if you live in a state that has adopted the Unclaimed Life Insurance Benefits Act. This process isn’t a quick one. As mentioned earlier, states that have adopted this act typically only check semi-annually. Then there’s the process of validating andhunting down
MY PARENTS BOUGHT LIFE INSURANCE ON ME hi my mom whom lives in alabama i live in texas for the past 10 years has had a prudential whole life policy on me now since i was probably 4 or 5 maybe since i was born not sure but anyways i was living in ohio bout to give birth to my last child who is now going to be 21 in june and my mother calls me and says i need to meet with her/mine insurance guy and sign some papers but not to worry DIFFERENCES BETWEEN TERM, UNIVERSAL, AND WHOLE LIFEAUTHOR: NATASHACORNELIUS
When compared to other permanent life insurance products, whole life insurance is a bit more manageable and has less risk. Whole life insurance premiums are fixed so you know what you’ll be paying the entire life of the policy. Other permanent products, such as universal life insurance, need more monitoring because of the flexibility and IS LIFE INSURANCE PROTECTED FROM BANKRUPTCY AND CREDITORS The U.S. government recognizes that life insurance is extremely important to family financial planning. In addition to tax advantages of life insurance, there are also laws in place to exempt some life insurance from bankruptcy and creditors. When you file for bankruptcy, creditors are only interested in your current matured assets. THE IMPORTANCE OF HAVING POWERS OF ATTORNEY Before we get into the importance of having powers of attorney, let’s define some key terms. Power of Attorney – A power of attorney (POA) is a document that states a person or organization you name to act on your behalf in regards to handling financial and business transactions. Unless the POA is durable, it becomes invalid if you become incapacitated. IS IT A GOOD IDEA TO MAKE A MINOR A BENEFICIARY? To summarize: Step 1 – Donor transfers property to a custodian to be held for the benefit of the minor. Step 2 – Custodian can use the property and any income that property produces on behalf of the minor. Step 3 – At age 18 or 21, the custodian must transfer the propertyoutright to
KIDNEY DISEASE 101 AND HOW IT AFFECTS LIFE INSURANCE The kidneys are two bean-shaped, fist-sized organs found on the left and right sides of the body in your lower back. According to Kidney.org, they maintain overall health through the following functions: Filtering waste out of 200 liters of blood each day.PAYING OFF DEBT
Americans, for the most part, have too much debt. As of November 2020, consumer debt is at $14.2 trillion, with Americans carrying an average personal debt of $92,727.. If you’re in debt, the worst thing to do is ignore it and hope it goes away. Debt management is a task every individual should make a AFFORDABLE LIFE INSURANCE The table above shows real quotes for a healthy male. A 40-year-old man purchasing $500,000 worth of term life insurance to financiallyprotect his
TOP 5 VITAMINS FOR YOUR BODY AND WHERE TO GET THEM 4. Magnesium. This mineral is another important source for healthy bones in the body. It ensures the growth and maintenance of your bones. This mineral is vital for the functioning of muscles, nerves, and other processes. For instance, magnesium neutralizes your stomach acid and pushes stool towards the intestine. END-OF-LIFE DOCUMENTS However, even those of us with modest estates need certain documents in place. Here are the four most common end-of-life documents you should have. Last Will and Testament a.k.a. Will. Durable Power of Attorney. Durable Healthcare Power of Attorney a.k.a. Medical Power of Attorney. Living Will a.k.a. Advance Directive. THE PARENT'S GUIDE TO COMMON CORE MATH That’s the backbone of common core multiplication. Instead of multiplying 8 by 149, we can make 3 smaller rectangles: 8 x 100, plus 8 x 40, plus 8 x 9. 8 x 1 = 8, so 8 x 100 = 800. 8 x 4 = 32, so 8 x 40 = 320, and 8 x 9 = 72. Some quick addition gets us to 1192. We can carry this type of method forward into larger numbers as well. TERM INSURANCE CONVERSION A partial term conversion is when you take a portion of your term policy and convert it to a permanent policy. In doing so, you actually create two separate policies. Example. You have a $500,000 20-year term insurance policy. You’ve owned it for nine years and are still within the company’s 10-year conversion deadline. WHAT ARE TABLE RATINGS? WHAT DO THEY MEAN? A Table Rating is used to modify the price that comes with a normal risk class, and they are most often paired with either the Standard Non-Tobacco or Standard Tobacco risk classes, since the medical issues that lead to table ratings will almost always keep you from getting a best-class offer. For example, for a 30-year-old male applying for WHAT IS GUARANTEED UNIVERSAL LIFE INSURANCE? He purchases a $750,000 30-year term life insurance policy for $55 per month and also buys a $150,000 guaranteed universal life insurance policy for $100 per month. If John dies before he turns age 65, his family receives $900,000 in total death benefit proceeds. If he lives past age 65, his family will receive $150,000 no matter what age hedies.
LIFE INSURANCE POLICY OWNER A life insurance policy ensures the life of a person. This person is called the insured. The insured might be the owner of the policy or might not. The policyowner is the person who has control over the policy. They are responsible for making sure the premiums are paid. They also choose who the beneficiaries are and can change them at anytime.
IS IT A GOOD IDEA TO MAKE A MINOR A BENEFICIARY? To summarize: Step 1 – Donor transfers property to a custodian to be held for the benefit of the minor. Step 2 – Custodian can use the property and any income that property produces on behalf of the minor. Step 3 – At age 18 or 21, the custodian must transfer the propertyoutright to
LIFE INSURANCE POLICIES The length of coverage, The price you will pay, and. The benefits the policy provides. Term life insurance is coverage designed to last a specific period of time to protect your loved ones from financial struggle should you die unexpectedly. Term periods range from 10 WILL THE COVID-19 VACCINE DISQUALIFY ME FROM LIFEAUTHOR: NATASHACORNELIUS
No, if you get the COVID-19 vaccine, it will not disqualify you from getting life insurance. If you have life insurance currently, get the COVID-19 vaccine, and then die as a result of complications or any other reason, the life insurance company will not withhold the deathbenefit.
MY PARENTS BOUGHT LIFE INSURANCE ON ME hi my mom whom lives in alabama i live in texas for the past 10 years has had a prudential whole life policy on me now since i was probably 4 or 5 maybe since i was born not sure but anyways i was living in ohio bout to give birth to my last child who is now going to be 21 in june and my mother calls me and says i need to meet with her/mine insurance guy and sign some papers but not to worry TERM LIFE INSURANCE FOR COSIGNERS There are two ways to buy term life insurance to protect a cosigner. The loan borrower buys a term policy on him or herself for the loan amount and names the cosigner a beneficiary. The cosigner buys a term policy on the borrower for the loan amount and cosigner is both owner and beneficiary. Jane Smith recently divorced from her spouse. DIFFERENCES BETWEEN TERM, UNIVERSAL, AND WHOLE LIFE When compared to other permanent life insurance products, whole life insurance is a bit more manageable and has less risk. Whole life insurance premiums are fixed so you know what you’ll be paying the entire life of the policy. Other permanent products, such as universal life insurance, need more monitoring because of the flexibility and MEDICAL CONDITIONS AND LIFE INSURANCE: CASE STUDIES Amy is a 42-year-old female and applied for a 20-year policy with $750,000 in coverage. Her medical exams results revealed that her A1c level is 6.5% while the normal range for the hemoglobin A1c test is between 4% and 5.6%. The life insurance carrier approves Amy at Standard Non-Tobacco with a monthly premium of $83.79. LIFE INSURANCE POLICY OWNER A life insurance policy ensures the life of a person. This person is called the insured. The insured might be the owner of the policy or might not. The policyowner is the person who has control over the policy. They are responsible for making sure the premiums are paid. They also choose who the beneficiaries are and can change them at anytime.
LIFE INSURANCE AND LUPUS: BUYER'S GUIDE Therefore, she pays $70 per month. Example #2. Liz Jones is 40 years old and was diagnosed with lupus five years ago, but currently has no symptoms and it has been over three years since she has had to partake in any treatment plan. Liz applies for a THE IMPORTANCE OF HAVING POWERS OF ATTORNEY Before we get into the importance of having powers of attorney, let’s define some key terms. Power of Attorney – A power of attorney (POA) is a document that states a person or organization you name to act on your behalf in regards to handling financial and business transactions. Unless the POA is durable, it becomes invalid if you become incapacitated. KIDNEY DISEASE 101 AND HOW IT AFFECTS LIFE INSURANCE The kidneys are two bean-shaped, fist-sized organs found on the left and right sides of the body in your lower back. According to Kidney.org, they maintain overall health through the following functions: Filtering waste out of 200 liters of blood each day. LIFE INSURANCE POLICIES The length of coverage, The price you will pay, and. The benefits the policy provides. Term life insurance is coverage designed to last a specific period of time to protect your loved ones from financial struggle should you die unexpectedly. Term periods range from 10 WILL THE COVID-19 VACCINE DISQUALIFY ME FROM LIFEAUTHOR: NATASHACORNELIUS
No, if you get the COVID-19 vaccine, it will not disqualify you from getting life insurance. If you have life insurance currently, get the COVID-19 vaccine, and then die as a result of complications or any other reason, the life insurance company will not withhold the deathbenefit.
MY PARENTS BOUGHT LIFE INSURANCE ON ME hi my mom whom lives in alabama i live in texas for the past 10 years has had a prudential whole life policy on me now since i was probably 4 or 5 maybe since i was born not sure but anyways i was living in ohio bout to give birth to my last child who is now going to be 21 in june and my mother calls me and says i need to meet with her/mine insurance guy and sign some papers but not to worry TERM LIFE INSURANCE FOR COSIGNERS There are two ways to buy term life insurance to protect a cosigner. The loan borrower buys a term policy on him or herself for the loan amount and names the cosigner a beneficiary. The cosigner buys a term policy on the borrower for the loan amount and cosigner is both owner and beneficiary. Jane Smith recently divorced from her spouse. DIFFERENCES BETWEEN TERM, UNIVERSAL, AND WHOLE LIFE When compared to other permanent life insurance products, whole life insurance is a bit more manageable and has less risk. Whole life insurance premiums are fixed so you know what you’ll be paying the entire life of the policy. Other permanent products, such as universal life insurance, need more monitoring because of the flexibility and MEDICAL CONDITIONS AND LIFE INSURANCE: CASE STUDIES Amy is a 42-year-old female and applied for a 20-year policy with $750,000 in coverage. Her medical exams results revealed that her A1c level is 6.5% while the normal range for the hemoglobin A1c test is between 4% and 5.6%. The life insurance carrier approves Amy at Standard Non-Tobacco with a monthly premium of $83.79. LIFE INSURANCE POLICY OWNER A life insurance policy ensures the life of a person. This person is called the insured. The insured might be the owner of the policy or might not. The policyowner is the person who has control over the policy. They are responsible for making sure the premiums are paid. They also choose who the beneficiaries are and can change them at anytime.
LIFE INSURANCE AND LUPUS: BUYER'S GUIDE Therefore, she pays $70 per month. Example #2. Liz Jones is 40 years old and was diagnosed with lupus five years ago, but currently has no symptoms and it has been over three years since she has had to partake in any treatment plan. Liz applies for a THE IMPORTANCE OF HAVING POWERS OF ATTORNEY Before we get into the importance of having powers of attorney, let’s define some key terms. Power of Attorney – A power of attorney (POA) is a document that states a person or organization you name to act on your behalf in regards to handling financial and business transactions. Unless the POA is durable, it becomes invalid if you become incapacitated. KIDNEY DISEASE 101 AND HOW IT AFFECTS LIFE INSURANCE The kidneys are two bean-shaped, fist-sized organs found on the left and right sides of the body in your lower back. According to Kidney.org, they maintain overall health through the following functions: Filtering waste out of 200 liters of blood each day.PAYING OFF DEBT
Americans, for the most part, have too much debt. As of November 2020, consumer debt is at $14.2 trillion, with Americans carrying an average personal debt of $92,727.. If you’re in debt, the worst thing to do is ignore it and hope it goes away. Debt management is a task every individual should make a TERM LIFE INSURANCE QUOTES Are you looking for a term life insurance quote? Getting a life insurance quote online should not be a difficult process. We have a quick and easy solution. Our quote process is simple, intuitive, and can be completed entirely online from the comfort of your own home. WILL THE COVID-19 VACCINE DISQUALIFY ME FROM LIFE No, if you get the COVID-19 vaccine, it will not disqualify you from getting life insurance. If you have life insurance currently, get the COVID-19 vaccine, and then die as a result of complications or any other reason, the life insurance company will not withhold the deathbenefit.
END-OF-LIFE DOCUMENTS However, even those of us with modest estates need certain documents in place. Here are the four most common end-of-life documents you should have. Last Will and Testament a.k.a. Will. Durable Power of Attorney. Durable Healthcare Power of Attorney a.k.a. Medical Power of Attorney. Living Will a.k.a. Advance Directive. DIFFERENCES BETWEEN TERM, UNIVERSAL, AND WHOLE LIFE When compared to other permanent life insurance products, whole life insurance is a bit more manageable and has less risk. Whole life insurance premiums are fixed so you know what you’ll be paying the entire life of the policy. Other permanent products, such as universal life insurance, need more monitoring because of the flexibility and THINGS TO KNOW ABOUT REPLACING LIFE INSURANCE POLICIES 9 reasons why people replace their life insurance policies with a new plan: Your current term life insurance policy is expiring and the premiums will increase if you renew it. You had a baby and now need more coverage. You bought a new home and have more debt. You are retiring. You found a DO LIFE INSURANCE COMPANIES TRACK DOWN BENEFICIARIES Don’t rely on the insurance company to track down your beneficiaries, even if you live in a state that has adopted the Unclaimed Life Insurance Benefits Act. This process isn’t a quick one. As mentioned earlier, states that have adopted this act typically only check semi-annually. Then there’s the process of validating andhunting down
LIFE INSURANCE POLICY OWNER A life insurance policy ensures the life of a person. This person is called the insured. The insured might be the owner of the policy or might not. The policyowner is the person who has control over the policy. They are responsible for making sure the premiums are paid. They also choose who the beneficiaries are and can change them at anytime.
TERM LIFE INSURANCE TERMINOLOGY Carrier – The life insurance carrier is responsible for financially managing the shared pool of life insurance money available for pay out if the insured dies. Also referred to as the life insurance company or insurer. Child Rider – A child rider is an optional add-on to a parent’s life insurance policy that provides life insurance coverage on dependent, minor children. DENTAL HEALTH AND YOUR LIFE EXPECTANCY It’s easy to say that you’ll brush and floss daily, but people aren’t perfect. However, keeping your chompers clean means more than just looking nice – good dental health can actually lower your risk of contracting diabetes, heart disease, or even having a stroke. Since February is Children’s Dental Health month, we wanted to spread LIFE INSURANCE POLICIES The length of coverage, The price you will pay, and. The benefits the policy provides. Term life insurance is coverage designed to last a specific period of time to protect your loved ones from financial struggle should you die unexpectedly. Term periods range from 10 WILL THE COVID-19 VACCINE DISQUALIFY ME FROM LIFEAUTHOR: NATASHACORNELIUS
No, if you get the COVID-19 vaccine, it will not disqualify you from getting life insurance. If you have life insurance currently, get the COVID-19 vaccine, and then die as a result of complications or any other reason, the life insurance company will not withhold the deathbenefit.
MY PARENTS BOUGHT LIFE INSURANCE ON ME hi my mom whom lives in alabama i live in texas for the past 10 years has had a prudential whole life policy on me now since i was probably 4 or 5 maybe since i was born not sure but anyways i was living in ohio bout to give birth to my last child who is now going to be 21 in june and my mother calls me and says i need to meet with her/mine insurance guy and sign some papers but not to worry TERM LIFE INSURANCE FOR COSIGNERS There are two ways to buy term life insurance to protect a cosigner. The loan borrower buys a term policy on him or herself for the loan amount and names the cosigner a beneficiary. The cosigner buys a term policy on the borrower for the loan amount and cosigner is both owner and beneficiary. Jane Smith recently divorced from her spouse. DIFFERENCES BETWEEN TERM, UNIVERSAL, AND WHOLE LIFE When compared to other permanent life insurance products, whole life insurance is a bit more manageable and has less risk. Whole life insurance premiums are fixed so you know what you’ll be paying the entire life of the policy. Other permanent products, such as universal life insurance, need more monitoring because of the flexibility and MEDICAL CONDITIONS AND LIFE INSURANCE: CASE STUDIES Amy is a 42-year-old female and applied for a 20-year policy with $750,000 in coverage. Her medical exams results revealed that her A1c level is 6.5% while the normal range for the hemoglobin A1c test is between 4% and 5.6%. The life insurance carrier approves Amy at Standard Non-Tobacco with a monthly premium of $83.79. LIFE INSURANCE POLICY OWNER A life insurance policy ensures the life of a person. This person is called the insured. The insured might be the owner of the policy or might not. The policyowner is the person who has control over the policy. They are responsible for making sure the premiums are paid. They also choose who the beneficiaries are and can change them at anytime.
LIFE INSURANCE AND LUPUS: BUYER'S GUIDE Therefore, she pays $70 per month. Example #2. Liz Jones is 40 years old and was diagnosed with lupus five years ago, but currently has no symptoms and it has been over three years since she has had to partake in any treatment plan. Liz applies for a THE IMPORTANCE OF HAVING POWERS OF ATTORNEY Before we get into the importance of having powers of attorney, let’s define some key terms. Power of Attorney – A power of attorney (POA) is a document that states a person or organization you name to act on your behalf in regards to handling financial and business transactions. Unless the POA is durable, it becomes invalid if you become incapacitated. KIDNEY DISEASE 101 AND HOW IT AFFECTS LIFE INSURANCE The kidneys are two bean-shaped, fist-sized organs found on the left and right sides of the body in your lower back. According to Kidney.org, they maintain overall health through the following functions: Filtering waste out of 200 liters of blood each day. LIFE INSURANCE POLICIES The length of coverage, The price you will pay, and. The benefits the policy provides. Term life insurance is coverage designed to last a specific period of time to protect your loved ones from financial struggle should you die unexpectedly. Term periods range from 10 WILL THE COVID-19 VACCINE DISQUALIFY ME FROM LIFEAUTHOR: NATASHACORNELIUS
No, if you get the COVID-19 vaccine, it will not disqualify you from getting life insurance. If you have life insurance currently, get the COVID-19 vaccine, and then die as a result of complications or any other reason, the life insurance company will not withhold the deathbenefit.
MY PARENTS BOUGHT LIFE INSURANCE ON ME hi my mom whom lives in alabama i live in texas for the past 10 years has had a prudential whole life policy on me now since i was probably 4 or 5 maybe since i was born not sure but anyways i was living in ohio bout to give birth to my last child who is now going to be 21 in june and my mother calls me and says i need to meet with her/mine insurance guy and sign some papers but not to worry TERM LIFE INSURANCE FOR COSIGNERS There are two ways to buy term life insurance to protect a cosigner. The loan borrower buys a term policy on him or herself for the loan amount and names the cosigner a beneficiary. The cosigner buys a term policy on the borrower for the loan amount and cosigner is both owner and beneficiary. Jane Smith recently divorced from her spouse. DIFFERENCES BETWEEN TERM, UNIVERSAL, AND WHOLE LIFE When compared to other permanent life insurance products, whole life insurance is a bit more manageable and has less risk. Whole life insurance premiums are fixed so you know what you’ll be paying the entire life of the policy. Other permanent products, such as universal life insurance, need more monitoring because of the flexibility and MEDICAL CONDITIONS AND LIFE INSURANCE: CASE STUDIES Amy is a 42-year-old female and applied for a 20-year policy with $750,000 in coverage. Her medical exams results revealed that her A1c level is 6.5% while the normal range for the hemoglobin A1c test is between 4% and 5.6%. The life insurance carrier approves Amy at Standard Non-Tobacco with a monthly premium of $83.79. LIFE INSURANCE POLICY OWNER A life insurance policy ensures the life of a person. This person is called the insured. The insured might be the owner of the policy or might not. The policyowner is the person who has control over the policy. They are responsible for making sure the premiums are paid. They also choose who the beneficiaries are and can change them at anytime.
LIFE INSURANCE AND LUPUS: BUYER'S GUIDE Therefore, she pays $70 per month. Example #2. Liz Jones is 40 years old and was diagnosed with lupus five years ago, but currently has no symptoms and it has been over three years since she has had to partake in any treatment plan. Liz applies for a THE IMPORTANCE OF HAVING POWERS OF ATTORNEY Before we get into the importance of having powers of attorney, let’s define some key terms. Power of Attorney – A power of attorney (POA) is a document that states a person or organization you name to act on your behalf in regards to handling financial and business transactions. Unless the POA is durable, it becomes invalid if you become incapacitated. KIDNEY DISEASE 101 AND HOW IT AFFECTS LIFE INSURANCE The kidneys are two bean-shaped, fist-sized organs found on the left and right sides of the body in your lower back. According to Kidney.org, they maintain overall health through the following functions: Filtering waste out of 200 liters of blood each day.PAYING OFF DEBT
Americans, for the most part, have too much debt. As of November 2020, consumer debt is at $14.2 trillion, with Americans carrying an average personal debt of $92,727.. If you’re in debt, the worst thing to do is ignore it and hope it goes away. Debt management is a task every individual should make a TERM LIFE INSURANCE QUOTES Are you looking for a term life insurance quote? Getting a life insurance quote online should not be a difficult process. We have a quick and easy solution. Our quote process is simple, intuitive, and can be completed entirely online from the comfort of your own home. WILL THE COVID-19 VACCINE DISQUALIFY ME FROM LIFE No, if you get the COVID-19 vaccine, it will not disqualify you from getting life insurance. If you have life insurance currently, get the COVID-19 vaccine, and then die as a result of complications or any other reason, the life insurance company will not withhold the deathbenefit.
END-OF-LIFE DOCUMENTS However, even those of us with modest estates need certain documents in place. Here are the four most common end-of-life documents you should have. Last Will and Testament a.k.a. Will. Durable Power of Attorney. Durable Healthcare Power of Attorney a.k.a. Medical Power of Attorney. Living Will a.k.a. Advance Directive. DIFFERENCES BETWEEN TERM, UNIVERSAL, AND WHOLE LIFE When compared to other permanent life insurance products, whole life insurance is a bit more manageable and has less risk. Whole life insurance premiums are fixed so you know what you’ll be paying the entire life of the policy. Other permanent products, such as universal life insurance, need more monitoring because of the flexibility and THINGS TO KNOW ABOUT REPLACING LIFE INSURANCE POLICIES 9 reasons why people replace their life insurance policies with a new plan: Your current term life insurance policy is expiring and the premiums will increase if you renew it. You had a baby and now need more coverage. You bought a new home and have more debt. You are retiring. You found a DO LIFE INSURANCE COMPANIES TRACK DOWN BENEFICIARIES Don’t rely on the insurance company to track down your beneficiaries, even if you live in a state that has adopted the Unclaimed Life Insurance Benefits Act. This process isn’t a quick one. As mentioned earlier, states that have adopted this act typically only check semi-annually. Then there’s the process of validating andhunting down
LIFE INSURANCE POLICY OWNER A life insurance policy ensures the life of a person. This person is called the insured. The insured might be the owner of the policy or might not. The policyowner is the person who has control over the policy. They are responsible for making sure the premiums are paid. They also choose who the beneficiaries are and can change them at anytime.
TERM LIFE INSURANCE TERMINOLOGY Carrier – The life insurance carrier is responsible for financially managing the shared pool of life insurance money available for pay out if the insured dies. Also referred to as the life insurance company or insurer. Child Rider – A child rider is an optional add-on to a parent’s life insurance policy that provides life insurance coverage on dependent, minor children. DENTAL HEALTH AND YOUR LIFE EXPECTANCY It’s easy to say that you’ll brush and floss daily, but people aren’t perfect. However, keeping your chompers clean means more than just looking nice – good dental health can actually lower your risk of contracting diabetes, heart disease, or even having a stroke. Since February is Children’s Dental Health month, we wanted to spread LIFE INSURANCE POLICIES The length of your term life insurance coverage should be based on the unique needs of your family as well as your long-term financial goals. You can choose a term length between 10 and 40 years, however, options may vary depending on your age and health. END-OF-LIFE DOCUMENTS Living Will. A “living will”, “healthcare directive”, and “advance directive” all refer to the legal document that states your wishes for end-of-life medical care if you are incapacitated and unable to state these things yourself. TERM LIFE INSURANCE QUOTES WITHOUT YOUR PERSONAL (These quotes are for a 33-year-old female from Minnesota, who is a non-smoker with no heart issues or family history of genetic conditions.) In the screenshot above, you see quotes ranging from $28.23 to $29.41 per month for a $500,000, 30-year term life insurancepolicy.
LIFE INSURANCE TERMINOLOGY Carrier – The life insurance carrier is responsible for financially managing the shared pool of life insurance money available for pay out if the insured dies. Also referred to as the life insurance company or insurer. Cash Value – Cash value is a feature of some permanent life insurance policies. A portion of your paid premiums are invested by the insurance company earning interest over time. MY PARENTS BOUGHT LIFE INSURANCE ON ME hi my mom whom lives in alabama i live in texas for the past 10 years has had a prudential whole life policy on me now since i was probably 4 or 5 maybe since i was born not sure but anyways i was living in ohio bout to give birth to my last child who is now going to be 21 in june and my mother calls me and says i need to meet with her/mine insurance guy and sign some papers but not to worry LIFE INSURANCE POLICY OWNER Who is the life insurance policy owner? What do they do? What is the role of the insured? We answer this question in today’s episode of Q&A Fridays by discussing the different roles of KIDNEY DISEASE 101 AND HOW IT AFFECTS LIFE INSURANCE Your kidneys are pretty important. They are the body’s blood filtration system. Kidneys filter your blood, help regulate blood pressure, and direct red blood cell productions. THE IMPORTANCE OF HAVING POWERS OF ATTORNEY Before we get into the importance of having powers of attorney, let’s define some key terms. Power of Attorney – A power of attorney (POA) is a document that states a person or organization you name to act on your behalf in regards to handling financial and business transactions. Unless the POA is durable, it becomes invalid if you become incapacitated. OWNING LIFE INSURANCE Sometimes a spouse will own life insurance on their counterpart for reasons that have nothing to do with estate taxes. Maybe one spouse realizes the importance of life insurance while the other just doesn’t share the same opinion or feels they don’t have time toget life insurance.
10 BEST WAYS TO FIND OUT IF SOMEONE HAS A LIFE INSURANCE 4. Read through address books. Address books, whether they are paper or stored on a cell phone, may contain clues about their term life insurance policy, such as the phone number to a life insurance companyor agent.
LIFE INSURANCE POLICIES The length of your term life insurance coverage should be based on the unique needs of your family as well as your long-term financial goals. You can choose a term length between 10 and 40 years, however, options may vary depending on your age and health. END-OF-LIFE DOCUMENTS Living Will. A “living will”, “healthcare directive”, and “advance directive” all refer to the legal document that states your wishes for end-of-life medical care if you are incapacitated and unable to state these things yourself. TERM LIFE INSURANCE QUOTES WITHOUT YOUR PERSONAL (These quotes are for a 33-year-old female from Minnesota, who is a non-smoker with no heart issues or family history of genetic conditions.) In the screenshot above, you see quotes ranging from $28.23 to $29.41 per month for a $500,000, 30-year term life insurancepolicy.
LIFE INSURANCE TERMINOLOGY Carrier – The life insurance carrier is responsible for financially managing the shared pool of life insurance money available for pay out if the insured dies. Also referred to as the life insurance company or insurer. Cash Value – Cash value is a feature of some permanent life insurance policies. A portion of your paid premiums are invested by the insurance company earning interest over time. MY PARENTS BOUGHT LIFE INSURANCE ON ME hi my mom whom lives in alabama i live in texas for the past 10 years has had a prudential whole life policy on me now since i was probably 4 or 5 maybe since i was born not sure but anyways i was living in ohio bout to give birth to my last child who is now going to be 21 in june and my mother calls me and says i need to meet with her/mine insurance guy and sign some papers but not to worry LIFE INSURANCE POLICY OWNER Who is the life insurance policy owner? What do they do? What is the role of the insured? We answer this question in today’s episode of Q&A Fridays by discussing the different roles of KIDNEY DISEASE 101 AND HOW IT AFFECTS LIFE INSURANCE Your kidneys are pretty important. They are the body’s blood filtration system. Kidneys filter your blood, help regulate blood pressure, and direct red blood cell productions. THE IMPORTANCE OF HAVING POWERS OF ATTORNEY Before we get into the importance of having powers of attorney, let’s define some key terms. Power of Attorney – A power of attorney (POA) is a document that states a person or organization you name to act on your behalf in regards to handling financial and business transactions. Unless the POA is durable, it becomes invalid if you become incapacitated. OWNING LIFE INSURANCE Sometimes a spouse will own life insurance on their counterpart for reasons that have nothing to do with estate taxes. Maybe one spouse realizes the importance of life insurance while the other just doesn’t share the same opinion or feels they don’t have time toget life insurance.
10 BEST WAYS TO FIND OUT IF SOMEONE HAS A LIFE INSURANCE 4. Read through address books. Address books, whether they are paper or stored on a cell phone, may contain clues about their term life insurance policy, such as the phone number to a life insurance companyor agent.
PAYING OFF DEBT
Americans, for the most part, have too much debt. As of November 2020, consumer debt is at $14.2 trillion, with Americans carrying an average personal debt of $92,727.. If you’re in debt, the worst thing to do is ignore it and hope it goes away. Debt management is a task every individual should make aQUOTACY, INC.
Quotacy, Inc. 505 Highway 169 North, Suite 560 Minneapolis, MN 55441 LIFE INSURANCE POLICY OWNER Who is the life insurance policy owner? What do they do? What is the role of the insured? We answer this question in today’s episode of Q&A Fridays by discussing the different roles of life insurance policyparties.
MEDICAL CONDITIONS AND LIFE INSURANCE: CASE STUDIES Case Study #1 – Sleep Apnea. José is a 54-year-old male and applies for a 15-year policy with $500,000 in coverage. He was diagnosed with sleep apnea one year ago and successfully treats it with a CPAP machine.. The life insurance carrier approved José at Standard Non-Tobacco with a monthly premium of $152.56. THINGS TO KNOW ABOUT REPLACING LIFE INSURANCE POLICIES Quotacy discusses reasons why you may want to replace a life insurance policy, things to think about, and how life insurance replacementworks.
DIFFERENCES BETWEEN TERM, UNIVERSAL, AND WHOLE LIFE Life insurance is not one-size-fits-all. You have quite a few options when it comes to life insurance. Which type is best for you? For most families, term life insurance is the best option because it’s the most affordable and it’s straight-forward. LIFE INSURANCE COST FOR A MILLION-DOLLAR POLICY How Much Is One Million Dollars of Life Insurance Coverage? Let’s face it, being a millionaire is something most people only dream about, but just because you’re not rolling in the dough doesn’t mean you should rule out a million-dollar life insurance policy. OWNING LIFE INSURANCE Sometimes a spouse will own life insurance on their counterpart for reasons that have nothing to do with estate taxes. Maybe one spouse realizes the importance of life insurance while the other just doesn’t share the same opinion or feels they don’t have time toget life insurance.
LIFE INSURANCE AND LUPUS: BUYER'S GUIDE What is lupus? Lupus is a chronic inflammatory disease that occurs when your body’s immune system attacks your own tissues and organs. In people diagnosed with lupus, your immune system cannot tell the difference between foreign invaders and your body’s healthy tissue. IS IT A GOOD IDEA TO MAKE A MINOR A BENEFICIARY? If your child is a minor, meaning under age 18, you want to avoid naming your child the direct beneficiary of your life insurance policy because if you die while your child is still a minor there will be some obstacles in the way of them getting the death benefit. The best way to buy life insurance online (844) 786-8229 info@quotacy.com* Products
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* Products
* Term Life Insurance * Whole Life Insurance * Disability Insurance* LegacyShield
* Advice
* Term vs. Whole Life * Pre-Existing Conditions * Life Insurance Calculator* Buyer’s Guide
* Company Reviews
* FAQ
* Terminology
* My Policy
* Blog
* Life Insurance Videos* Real Life Podcast
* About
* About Quotacy
* Our Team
* Why Quotacy?
* Contact
* Login
* Get Your Quote
HELPING YOU FIND THE BEST LIFE INSURANCE POLICY Get free quotes and compare life insurance policies without your contact info. We make sure you get the best price.Start My Quote
A+ rating by the Better Business Bureau® The best life insurance companies all in one place. WHY BUY LIFE INSURANCE THROUGH QUOTACY? “I just want an easy way to find the best price on a policy that will take care of my family if I died.” – Pretty much everyone. Ever. THE RIGHT LIFE INSURANCE COVERAGE: * USE OUR LIFE INSURANCE NEEDS CALCULATOR to see what’s right for you and your budget. * COMPARE LIFE INSURANCE POLICIES with detailed info and unbiased advice.* APPLY ONLINE
after you find a policy that fits your needs. THE BEST PRICE ON LIFE INSURANCE: * WE CHECK OTHER LIFE INSURANCE COMPANIES to make sure you’re getting the best deal. * IF THERE’S A BETTER PRICE we’ll reach out and explain your options. * CHOOSE THE LIFE INSURANCE POLICY YOU WANT and we’ll take it from there. Quotacy provides the tools and resources to help you choose the right life insurance coverage. After you apply online, we check other top-rated life insurance companies to make sure you’re getting the best price. And help you decide. THE QUOTACY EXPERIENCE SEE QUOTACY THROUGH THE EYES OF OUR CUSTOMERS. Not sure how much term life insurance you need? Calculate My Coverage Needs PROTECT YOUR FAMILY WITH LIFE INSURANCE See how buying life insurance works from start to finishStep 1
APPLY FOR COVERAGE
One of the easiest steps, simply check quotes, compare policies, andapply online.
*NOTE: here’s the page to our full application process.Step 2
APPLICATION REVIEW
Our underwriters make sure you’re matched with the best carrier for your health and lifestyle. And reach out if there is a carrier that’s more suitable.Step 3
UNDERWRITING
Our agents navigate you through the underwriting process. They’ll do all the legwork, keep track of your paperwork and reach out with anyissues.
Step 4
REVIEW AND APPROVE
After all the steps have been completed, your agent will share the final offer, which you can accept the life insurance protection orwalk away.
WHAT IS LIFE INSURANCE? WHAT IS LIFE INSURANCE? Life insurance is a customizable amount of money that people leave behind to ensure their debt and final expenses do not burden their loved ones. It also makes it easier for their family to focus on recovering emotionally and not financially. There are a number of differences between your life insurance options, but the concept is the same for all of them. You pay a set premium to an insurance company and if you die while your policy is active, the insurance company will payout the designated funds to yourbeneficiaries.
*Beneficiaries: Are the people or organizations, you choose to receive your life insurance money. See prices and compare policies in under 5 minutesStart My Quote
DIFFERENCE BETWEEN WHOLE AND TERM LIFE INSURANCE DIFFERENCE BETWEEN WHOLE AND TERM LIFE INSURANCE There are two main types of life insurance: term life insurance and whole life insurance. The key differences are the length of coverage, the price you will pay and the benefits. Term life insurance is temporary coverage designed to protect your loved ones from financial struggle should you die prematurely. Term periods can range from 10 to 40 years and is typically the best and most affordable option for families. Whole life insurance is more expensive, but coverage is forever. It can also accrue cash value and even pay dividends. There are a number of scenarios where whole is more beneficial than term like if you have a large estate and are looking for tax advantages. HOW LONG DO YOU NEED TERM LIFE INSURANCE? The length of your term life insurance coverage should be based on the unique needs of your family as well as your long-term financial goals. You can choose a term length between 10 and 40 years, however, options may vary depending on your age and health. You also have the option of having multiple term life insurance policies. This is an easy and affordable way to make sure you have the appropriate amount of coverage as your debt shrinks and your net worthgrows.
If you aren’t sure how long of a term you should buy, feel free to call, email, or live chat with a Quotacy advisor for assistance. READ MORE: How Long Should Term Insurance Last? HERE ARE SOME EXAMPLES OF INSTANCES WHERE DIFFERENT TERMS MAY MAKESENSE:
10-YEAR TERM
* If your children will enter college in a few years and you want to protect them from having to take on student loan debt if you passaway.
* If you have debt but expect it to be completely paid off within afew years.
* If you are a few years from retirement and you want to provide security for your partner’s retirement years.20-YEAR TERM
* If you’re a young family and wish to safeguard your children’s financial future until they become independent. * If you have long-term debt that you don’t wish your family to become responsible for.30-YEAR TERM
* If you don’t yet have children but plan to. * If you plan to pay off a newer mortgage should you pass away. * If you want to leave funds to pay for your young grandchildren’scollege education.
40-YEAR TERM
* If you’re young and want coverage to last until you’re in yourretirement years.
* If you’ve been thinking about permanent life insurance but it’sout of your budget.
* If you have debt that may take a while to pay off and don’t want to leave any behind to your family. WHEN DO I NEED WHOLE LIFE INSURANCE? There are a number of benefits whole life insurance offers than just a lifetime of coverage. One of the biggest is the savings component. This allows you to build tax-deferred cash value, meaning you won’t pay taxes on it. As your policy matures and accumulates enough value, you may borrow, withdraw, use it to pay your premiums or surrender the policy for the cash. REASONS TO CONSIDER WHOLE LIFE INSURANCE* Own a business
* Have a large estate * Build tax-free wealth * Equalize an inheritance without selling a business * Leave a guaranteed inheritance to your loved ones * Provide long-term care for someone with special needs or adisability
Whole life insurance policies are about 10-15 times more expensive than comparable term life insurance policies. Individuals who want whole life sometimes purchase a large term life insurance policy and supplement it with a small whole life insurance policy. This strategy, called laddering is more budget-friendly than purchasing a large whole life insurance policy that covers all financial needs. EXAMPLE OF LADDERING LIFE INSURANCE POLICIES To accomplish the laddering strategy, buy a term life insurance policy with a large enough coverage amount and long enough term to protect your loved ones from all the big-ticket financial obligations such as the mortgage, loans, the costs of raising children, and college tuition. Then purchase a small amount of whole life insurance just to provide funds for your end- of-life expenses.EXAMPLE:
John Smith is 35 years old. He’s married and has three children between the ages of two and ten years old. He purchases a 30-year $750,000 term life insurance policy at $53 per month to financially protect his family should he die unexpectedly any time within the next 30 years and his income disappears. He also purchases a $50,000 whole life insurance policy at $65 per month so he can leave behind money for his funeral and final expenses no matter when he dies. LEARN MORE: Term Vs. Whole Life Insurance WHY IS IT IMPORTANT TO HAVE LIFE INSURANCE? WHY IS IT IMPORTANT TO HAVE LIFE INSURANCE? If you have loved ones that depend on your income now, life insurance is a great way to provide financial security for their future. Without a life insurance plan in place, you’ll leave your family with the stress of finding the funds to pay for a funeral as well as any past, present and future debt. THE BENEFITS OF LIFE INSURANCE REASONS TO BUY LIFE INSURANCE PROVIDE FOR YOUR CHILDREN. Term life insurance can cover childcare costs, school fees, and other expenses that go along with being a stay-at-home or working parent.COVER ESTATE TAXES.
A permanent life insurance policy can protect your heirs from having to pay estate taxes. REPLACE YOUR EARNED INCOME. If you pass away, term life insurance can replace your earned income, enabling your family to pay household expenses without experiencingfinancial stress.
COVER YOUR PERSONAL DEBT OR CO-SIGNED LOANS. Life insurance can repay personal debt such as your credit cards or student loans, protecting your family and loan co-signers from this financial burden. TAKE CARE OF BUSINESS NEEDS. Life insurance can pay off your business debt, provide funds to help replace a key person, pay taxes if ownership of your business is transferred as part of your estate, or pay for a business partner to buy out your share via a buy-sell agreement. SUPPLEMENT YOUR RETIREMENT. Laddering term life insurance and permanent life insurance policies can be a beneficial way to protect your loved ones’ standard of living during your earning years and contribute to your retirement funds and financially protect your spouse during your retirement years. PROVIDE FOR A SPECIAL NEEDS CHILD. Life insurance can provide funds that your special needs loved one will need their entire life. Permanent life insurance may be more beneficial than term life insurance in this situation. COVER YOUR MORTGAGE. Homeowners can use term life insurance to cover house payments. That means your family won’t have to move if you die while the mortgage loan is still being paid off. HELP YOU LEAVE BEHIND AN INHERITANCE. Permanent life insurance can allow you to leave behind an inheritance or help equalize an inheritance if you run a family business. PROTECT CHILD SUPPORT. Term life insurance can help divorced parents secure their child’s future, ensuring that they will always receive the financial supportthat they need.
SUPPORT YOUR FAVORITE CHARITY. If there is a charity or non-profit organization close to your heart, you can name them as a beneficiary of your life insurance policy or transfer ownership to them, which comes with tax advantages. PAY FOR YOUR FUNERAL AND FINAL EXPENSES. If you die during the coverage period of a term life insurance policy, your family won’t need to worry about how to pay for your funeral and end-of-life expenses. A permanent life insurance policy can provide no matter when you die. PROVIDE FOR YOUR CHILDREN. Term life insurance can cover childcare costs, school fees, and other expenses that go along with being a stay-at-home or working parent.COVER ESTATE TAXES.
A permanent life insurance policy can protect your heirs from having to pay estate taxes. REPLACE YOUR EARNED INCOME. If you pass away, term life insurance can replace your earned income, enabling your family to pay household expenses without experiencingfinancial stress.
COVER YOUR PERSONAL DEBT OR CO-SIGNED LOANS. Life insurance can repay personal debt such as your credit cards or student loans, protecting your family and loan co-signers from this financial burden. TAKE CARE OF BUSINESS NEEDS. Life insurance can pay off your business debt, provide funds to help replace a key person, pay taxes if ownership of your business is transferred as part of your estate, or pay for a business partner to buy out your share via a buy-sell agreement. SUPPLEMENT YOUR RETIREMENT. Laddering term life insurance and permanent life insurance policies can be a beneficial way to protect your loved ones’ standard of living during your earning years and contribute to your retirement funds and financially protect your spouse during your retirement years. PROVIDE FOR A SPECIAL NEEDS CHILD. Life insurance can provide funds that your special needs loved one will need their entire life. Permanent life insurance may be more beneficial than term life insurance in this situation. COVER YOUR MORTGAGE. Homeowners can use term life insurance to cover house payments. That means your family won’t have to move if you die while the mortgage loan is still being paid off. HELP YOU LEAVE BEHIND AN INHERITANCE. Permanent life insurance can allow you to leave behind an inheritance or help equalize an inheritance if you run a family business. PROTECT CHILD SUPPORT. Term life insurance can help divorced parents secure their child’s future, ensuring that they will always receive the financial supportthat they need.
SUPPORT YOUR FAVORITE CHARITY. If there is a charity or non-profit organization close to your heart, you can name them as a beneficiary of your life insurance policy or transfer ownership to them, which comes with tax advantages. PAY FOR YOUR FUNERAL AND FINAL EXPENSES. If you die during the coverage period of a term life insurance policy, your family won’t need to worry about how to pay for your funeral and end-of-life expenses. A permanent life insurance policy can provide no matter when you die. Questions? Talk with our experienced advisors.Contact Quotacy
LIFE INSURANCE TERMS TO KNOW TERM LIFE INSURANCE POLICY A term life insurance policy is simply a type of life insurance that lasts for a specific period of time called a term. If the insured individual dies within that specific period of time, the life insurance carrier pays a death benefit to the insured’s beneficiaries. Term life insurance is the least expensive way to purchase life insurance coverage. LIFE INSURANCE COMPANY (CARRIER, INSURER) A life insurance company may also be referred to as a carrier or an insurer. They determine how much the applicant will need to pay to keep the policy active. This is based on the risk to insure the applicant. The company is responsible for financially managing the shared pool of life insurance money available to pay claims and manage other policy owner benefits.POLICYOWNER
The policyowner has full control over the policy, including the right to change beneficiaries, and the responsibility of keeping the policy active. This person typically pays the premiums. The policyowner can also be the same person as the insured or beneficiary.INSURED
This is the person whose life is covered by the policy. If this person dies while the policy is active, the life insurance company pays a death benefit to the policy beneficiaries. The insured and policy owner can be the same person.BENEFICIARY
The beneficiary receives the policy payout upon the death of the insured. You can list more than one beneficiary of a life insurancepolicy.
DEATH BENEFIT (PAYOUT, FACE AMOUNT, POLICY VALUE, PROCEEDS) This may also be referred to as the payout, face amount, policy value or proceeds. This is the amount of money paid by the insurance companyto the beneficiary.
PREMIUM (PAYMENT, COST, PRICE, RATE) This may also be referred to as a payment, cost, price, or rate. This is the amount of money required by the insurance company to keep the policy active. Most people pay their premium monthly, but you can save some money by paying annually. DON’T SEE THE TERM YOU ARE LOOKING FOR? Visit our glossary page for a complete list and definitions. WHAT OTHER TYPES OF INSURANCE DOES QUOTACY SELL? Quotacy mainly offers term life insurance. Our parent company, Hallett Financial Group, has over 25 years of experience working with many types of insurance products so we are also able to offer the following life insurance options: GUARANTEED UNIVERSAL LIFE INSURANCE Guaranteed universal life insurance is an affordable way to buy permanent insurance protection. As long as you pay your planned premiums to keep your policy active, your beneficiary will receive the guaranteed death benefit when you die. To receive a guaranteed universal life insurance quote, SIMPLY GO TO OUR
ONLINE QUOTING TOOL, RUN A QUOTE, AND MOVE THE SLIDER UNDER LENGTH OF COVERAGE ALL THE WAY TO THE RIGHT TO _FOREVER_ WHOLE LIFE INSURANCE Whole life insurance is continuous coverage that lasts your lifespan (as long as you pay the premiums). Your premiums are fixed and will not change. Whole life policies also accumulate a cash value that you can borrow against or withdraw from. Some whole life insurance policies also pay out dividends. Whole life insurance is too complex to quote online. VISIT THIS PAGE TO RECEIVE A CUSTOM WHOLE LIFE INSURANCE QUOTE FINAL EXPENSE LIFE INSURANCE This is a small life insurance policy designed for individuals aged 50-80 to leave behind enough funds to cover their funeral and end-of-life expenses. Approval is guaranteed with no medical exam orhealth questions.
Visit this page to get a final expense life insurance quote INDIVIDUAL DISABILITY INSURANCE Individual disability insurance provides monthly income if you become disabled and are unable to work. Disability benefits will continue as long as you are disabled according to the policy’s provisions. Visit this page to receive a custom individual disability insurancequote
OUR PURPOSE IN LIFE IS TO SAVE FAMILIES OUR PURPOSE IN LIFE IS TO SAVE FAMILIES We launched Quotacy with one simple goal, make it easier for people to protect the future of their loved ones with the gift of life insurance. Our process allows you to shop anonymously until you’re ready to buy. And we will never sell or share your information. Plus, all the life insurance companies we work with are best-in-class, financially-secure, and highly-rated by independent consumer protection agencies. We’re committed to helping families. And we would be honored to help you find the best policy that fits your family’s needs and budget. *Pictured: Co-Founders Jeremy Hallett (left) and Ryan Hallett (right) at Disney World 1982.ABOUT QUOTACY
We’re a life insurance broker that helps you cast a wider net. In minutes, you can see prices and compare policies from top-rated life insurance companies all at once. And apply easily online. We will NEVER sell your info. You’ll only be working with us and the life insurance company you choose.OUR BLOG
* My Term Policy Is Going to Expire – What Can I Do? * Does GERD Affect Life Insurance Rates? * How to Spot Ripe Prices at the Farmer’s Market – August 2019 * Can I Sell My Life Insurance Policy?CONTACT
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