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Updated: April 12, 2024 at 9:40 am
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 falls in this category and can have similar results.
In this article, we discuss the top 10 life insurance mistakes and how to avoid them. Continue reading The Top 10 Life Insurance Mistakes
Updated: April 12, 2024 at 9:40 am
You met with an insurance agent about term life insurance. After a discussion about the benefits of term insurance, the agent says to you:
“Did you know only 3% of term policies* actually pay out?”
“No”, you respond. “Why is that?” A good question.
“Because many people survive the term. That is why term life is so inexpensive. Chances are, you will survive the term and spend money as though you were throwing money down the toilet**.”
You don’t like the sound of that. The agent sees your discomfort and asks, “Would you like to learn a type of life insurance policy that will return your premiums back to you at the end of the term?”
“Yes!”, you exclaim.
Our response if we were with you: hold up. Stop. You need to understand the pros and cons of return of premium life insurance before you go any further.
After reading this article, you may want to simply put your money in that boring term life policy. Continue reading Understanding Return of Premium Life Insurance Pros and Cons
Updated: April 12, 2024 at 9:40 am
Can I obtain life insurance if I have HIV? The short answer – yes.
The life insurance industry is changing for the better. Some insurers are not only adjusting policy premiums through monitored healthy ways (like fit bit), but also opening or expanding insurance coverage opportunities to impaired health conditions such as type 1 diabetes. These coverage options are greater today thanks impart to technology, advances in health care, and people generally living longer with these conditions. Young Americans living with HIV have a great chance of living into their 70s.