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Updated: April 12, 2024 at 9:40 am
If you are an undocumented immigrant (i.e. considered illegal) living here in the United States, you may wonder about the future. You love your family. You may worry if something happened to you, what could happen to them? Thankfully, you don’t have to worry about life insurance. Undocumented immigrants can obtain life insurance here in the United States.
Updated: April 12, 2024 at 9:40 am
Being declined for life insurance feels like a right hook to the face. You just completed a life insurance application, something on your “to-do” list for a while. You feel good about it. Then, a week or two goes by, and you don’t hear anything.
A couple of days later, you receive a letter from the carrier. You open in earnest, only to read that you have been declined for life insurance! You are upset and don’t know what to do next. Declined for life insurance? How can that be?
Don’t worry, we say. Chances are you can still obtain life insurance coverage.
How?
Updated: April 12, 2024 at 9:40 am
I suspect that health insurance confusion is worse than filling out taxes. That’s what I feel when I speak to people about health insurance.
People become even more confused when it’s time for the health insurance open enrollment period. This period runs from November 1st to December 15th every year.
We at My Family Life Insurance call it the “health insurance open confusion period”. Why?
Many individuals and families are simply and incredibly confused about their health insurance. For example, most people don’t know the difference between a copay and coinsurance. Not knowing these basics can have a negative impact…on your checking account!
Continue reading Let’s Clear Up Your Health Insurance Confusion | Understand And Save Money
Updated: April 12, 2024 at 9:40 am
You’ve probably never heard of NGL or a funeral expense trust (or funeral trust, for short).
When a person is searching for the right final expense or burial insurance, sometimes the breadth of carriers and products makes the process confusing and intimidating. The person becomes frustrated. Then he or she stops this important coverage altogether, leaving his or her family exposed to a potential financial burden.
You don’t need to feel that way with the NGL Funeral Expense Trust.
Updated: April 12, 2024 at 9:40 am
Did you know there are disadvantages to indexed universal life insurance (IUL)?
It is true. There are advantages and disadvantages to every type of insurance, and this includes indexed universal life insurance.
Indexed universal life insurance is a very popular type of life insurance. I am sure you have heard the accolades that you can withdraw the cash value income tax-free (which is true – more on that in a minute).
However, there are disadvantages, too. Many agents don’t speak about them. If you are going to purchase an IUL, you need to know these disadvantages and level set on expectations.