If you are a smoker or use any type of tobacco, we know that finding affordable life insurance can be difficult. Premiums are nearly double or triple compared to that of non smokers. Luckily, we work with one carrier that will provide non smoker life insurance rates for smokers. (In other words, they will apply non tobacco life insurance rates for tobacco users.) There are specific provisions you need to meet, but we have helped many smokers save money with this life insurance. If you simply want to find out more, insert your information directly below, and we will be in touch with the information. Otherwise, read on to learn how smokers can obtain non smoker life insurance rates. [Read more…]
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. In the article, we offer a review of NGL AssetGuard as well as the NGL Funeral Expense Trust. The combination of the two creates a powerful combination of paying for your funeral expenses as well as protecting one’s assets against nursing home costs.
In our opinion, this insurance could be the easiest and most efficient final expense or burial insurance policy that we have worked with. One caveat: it is hard to compare this to a traditional final expense insurance policy. We will explain why. [Read more…]
You receive a brochure in the mail which says something like, “Don’t hesitate. Set up your funeral costs now!” Or, you see an infomercial on late-night TV regarding final expense cost. You haven’t done anything, feel concerned, and make the phone call. Or, you apply! We at My Family Life Insurance say: STOP! You might be doing yourself a disservice and applying in haste. Yes, there are some burial insurance policies you should avoid. In this article, we discuss what burial insurance is and the 5 types of burial insurance not to buy. [Read more…]
The marijuana industry has changed in the last few years. No longer is the stigma that smoking marijuana is a dirty, criminal activity (although still largely illegal at the federal level). TV shows such as High Profits have attracted record viewers. More importantly, as of this writing, 8 states have legalized both the medical and recreational use of marijuana. Additionally, 21 states have legalized the medical use of marijuana. The life insurance industry has changed as well. If you thought you could not obtain life insurance (or any other type, for that matter) because of your marijuana use, you should be happy to know that you absolutely can. In this article, we will discuss how to obtain life insurance for marijuana users. [Read more…]
We all make mistakes. Mistakes give us a chance to learn and grow. In many cases, making a mistake is harmless. However, I’m sure you will agree, there are situations where making a mistake could be harder to recover and have negative, long-term effects. Making a mistake with life insurance can have similar results. In this article, we discuss the top 10 life insurance mistakes and how to avoid them.
Below are our top 10 life insurance mistakes, in no particular order. [Read more…]