Category: Life Insurance

Are Life Insurance Benefits Included In Probate Upon Death? | They Could Be If You Are Not Careful

Updated: April 12, 2024 at 9:38 am

Many people ask me if life insurance is part of the probate process.

My answer is that it could be. If you aren’t careful, then life insurance proceeds could end up through the court system.

Is that a bad thing, John? A friend of mine passed and his life insurance went through probate. 

First, I am sorry to hear about your friend. Additionally, yes; having a life insurance death benefit stuck in the probate process can be a bad thing.

You don’t want bad things to happen, right? Especially when it comes to a life insurance payout, right?

Do you want your wishes fulfilled, right?

Sometimes, if you aren’t careful, your life insurance policy ends up in probate.

Continue reading Are Life Insurance Benefits Included In Probate Upon Death? | They Could Be If You Are Not Careful

5 Differences Of Participating Vs. Non-Participating Life Insurance | We Discuss The Differences And Which One Is Right For You

Updated: April 12, 2024 at 9:38 am

Have you heard of participating vs. non-participating life insurance and wonder what the hubbub is all about?

If so, you are not alone.

Yeah, John. All I need is a life insurance policy death benefit to cover me in case of my unexpected death.

If that is the case, then you should read this article because you could apply for something that doesn’t fit your needs.

Continue reading 5 Differences Of Participating Vs. Non-Participating Life Insurance | We Discuss The Differences And Which One Is Right For You

This Is How People With Down Syndrome Obtain Life Insurance | Your Guide To Obtaining Life Insurance On Your Loved Ones

Updated: April 12, 2024 at 9:38 am

You’ve been told that people with Down Syndrome can’t get life insurance. However, that is not true.

People with Down Syndrome can obtain life insurance. That is right.

If you have a relative, family member, or loved one with Down Syndrome and are thinking about obtaining life insurance on his or her life, you have come to the right place. We have helped many families with children, young adults, and older adults with Down Syndrome obtain life insurance.

Continue reading This Is How People With Down Syndrome Obtain Life Insurance | Your Guide To Obtaining Life Insurance On Your Loved Ones

Yes, Smokers Can Obtain Cheap Life Insurance Rates. Sometimes Even At Non-Smoking Rates. Here Is How.

Updated: April 12, 2024 at 9:38 am

I think you’ll agree that smokers have a hard time finding affordable and cheap life insurance.

Premiums are nearly double or triple – or much more – compared to that of non-smokers.

However, it is possible for smokers to obtain cheap life insurance, sometimes even at non-smoking rates.

Continue reading Yes, Smokers Can Obtain Cheap Life Insurance Rates. Sometimes Even At Non-Smoking Rates. Here Is How.

Yes, You Can I Get Life Insurance For Grandparents? Here’s How | We Discuss How Grandchildren Can Obtain Life Insurance On Their Grandparents The Right Way

Updated: April 12, 2024 at 9:38 am

Many people ask me if they can obtain life insurance on their grandparents.

Yes, you can.

In fact, doing so can be a very easy process. Many life insurance companies have made it easier for grandchildren to buy life insurance on their grandparents.

Having said that, there is a process you must follow.

Moreover, other coverage options exist if your grandparents don’t want to go through the life insurance process.

Continue reading Yes, You Can I Get Life Insurance For Grandparents? Here’s How | We Discuss How Grandchildren Can Obtain Life Insurance On Their Grandparents The Right Way