All About Life Insurance and Financial Planning: August 2009

Friday, August 14, 2009

Update August 14, 2009 All About Life Insurance and Financial Planning By Insurance Experts

Financial planning is the long-term process of wisely managing your finances so you can achieve your goals and dreams, while at the same time negotiating the financial barriers that inevitably arise in every stage of life by Creating a Sound Financial Plan
Step 1 Establish Goals
Step 2 Gather Data
Step 3 Analyze & Evaluate Your Financial Status
Step 4 Develop a Plan
Step 5 Implement the Plan
Step 6 Monitor the Plan & Make Necessary Adjustments

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Life Insurance Basics: Getting Started
By Megan Mahan Platinum Quality Author

Let’s be honest. The topic of life insurance isn’t exciting or glamorous, but it is important. In fact, many experts consider life insurance to be the cornerstone of good financial planning.

But how do you know if you need life insurance? How much is enough? What kind of life insurance policy is best for you?

Answering these basic questions about life insurance will help to simplify the shopping process and ultimately allow you to select the best policy to secure your family’s future for years to come.

Establishing Your Needs

To clear up any misconceptions, life insurance is designed to protect your loved ones from financial loss in the event of your death. Knowing this, it’s important to establish whether you need life insurance and how much you should purchase.

According to MetLife you generally need life insurance if:

You have a spouse
You have dependent children
Relatives or elderly parents depend on your income
Your retirement funds are not enough to provide for your spouse’s future
You own a business
You have a large estate

The beneficiaries of your life insurance policy can use the proceeds from your life insurance to:

Pay for last expenses and funeral costs
Cover estate taxes (if applicable)
Pay off existing debts (mortgage, car loan, credit card debt)
Pay for everyday expenses (food, clothing, childcare)
Put towards your spouse’s retirement fund
Donate to charity

If you don’t have dependents, you may still wish to purchase a life insurance policy to avoid becoming a financial burden to your loved ones in the untimely event of your death. Young singles also benefit from purchasing life insurance while they’re young and healthy, allowing them to secure a low premium for years to come.

Choosing a Dollar Amount

Figuring out how much life insurance your loved ones would need to maintain their quality of living can be tough. Generally speaking, experts recommend purchasing between 5 and 10 times your annual salary. But, as MetLife points out, your exact need for life insurance will depend on your personal and financial circumstances.

You can get a ballpark estimate of your life insurance needs by first totaling the funds your family would need for the abovementioned items (funeral costs, daily living, etc.). You can find helpful worksheets online that will help you organize and come up with this list of expenses.

After you’ve totaled your expenses, take stock of the funds you have in cash, savings, retirement accounts, bonds, property, pension and Social Security. Subtracting your financial resources from your expenses will give you a rough idea of how much life insurance you should purchase.

When it comes to choosing how much life insurance to purchase, it’s a good idea to get an idea of your needs before buying a policy—but your licensed life insurance professional will undoubtedly help you choose a dollar amount that accurately reflects the needs of your beneficiaries.

Selecting a Policy

Generally speaking, there are two types of life insurance: term life insurance and permanent life insurance. The type of policy you select will depend largely on your life insurance needs and what resources you have to pay life insurance premiums.

Term Life Insurance
Term life insurance, as the name suggests, will cover you for a specified amount of time, which means the insurer will only pay out a death benefit if you die during the term of your policy.

According to the Insurance Information Institute (I.I.I.), most people purchase a 20-year term policy, although smaller terms are available. Of course, you can renew your term life policy after it expires, although your premiums may increase as you age. But all in all, because of the “temporary” nature of term life insurance, policies are generally much cheaper and are therefore an attractive option for young people and families with a limited income.

Permanent Life Insurance
On the other hand, permanent life insurance, as you might have guessed, is permanent. A permanent life policy will pay out a death benefit whether you die tomorrow or in 60 years.

Permanent life insurance is also an appealing option for many because of the added benefit of the policy growing on a tax-deferred basis, which can grow to be fairly large over time. As a policyholder, you may be able to borrow against this cash value while alive, which has been of great help to some. Of course, most loans need to be paid back otherwise they will be subtracted from the death benefit, and your beneficiaries may have to liquidate assets to pay back the loan.

Nonetheless, permanent life insurance offers a wide variety of saving and investment options. Because of this, policies are generally more expensive than term policies, which may be hard for young adults to handle.

Your life insurance professional will help you decide which type of policy is best for your life insurance needs—and your budget. But researching these policy types beforehand can help you narrow down which policies appeal to you.

Knowledge is Power

No, learning about life insurance and planning for the unexpected isn’t glamorous, but it is important. So take advantage of consumer resources and talk to a life insurance professional about purchasing affordable life insurance. You’ll rest easier at night knowing your loved ones are taken care of for years to come!

About InsureMe

Megan L. Mahan is a copywriter and insurance information expert with InsureMe in Englewood, Colorado. InsureMe links agents nationwide with consumers shopping for insurance. Specializing in auto, home, health, long-term care and life insurance quotes, the InsureMe network provides thousands of agents with insurance leads every year. For more information, visit InsureMe.com.

Article Source: http://EzineArticles.com/?expert=Megan_Mahan

Lowest Term Life Insurance
By Emily E

When you look for life insurance, what are you searching for? Do you decide because of price, quality, or a combination? In today's economy, many people want the lowest term insurance policy is available. Luckily, you won't need to sacrifice quality for the best price. With term life insurance, you get the best of both worlds.

With term life insurance, you get the same face amount as a whole insurance policy, but for a much lower price. The lower price is possible because the policy will expire in the future, and there won't be any cash value that can be taken advantage of.

Many smart shoppers will use the money they save by getting life term insurance as their bright future and put it in an IRA or securities. The money that accumulates in the accounts will often be greater than the cash value that would build up in a whole life term insurance account. The policy holder often has the choice of not renewing their policy at all.

Don't just take the lowest price for life term insurance policy. Do your homework. Look at customer reviews and ratings before you decide. This is a vital product for the future of your family. They need you to choose correctly, so take your time.

When you apply, answer every question honestly and completely. Don't get to the end and find you've been turned down by an underwriter. The time you invested in finding the lowest term life insurance will then have been wasted.

Emily is known expert on lowest term life insurance. Visit this site best insurance life quote term and get more information about it.

Article Source: http://EzineArticles.com/?expert=Emily_E

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Tuesday, August 4, 2009

All About Life Insurance and Financial Planning By Insurance Experts

Financial Planning in Your 30's
By J Dawkins

Introduction

This article seeks to discuss some of the specific financial planning that needs to be considered by individuals in their thirties. The age range between 30-40 is significant time in relation to financial planning given that it is during this time that many financial decisions will directly effect retirement plans and long term financial matters, all of which will effect future prosperity.

1. Pension Planning

If you haven't yet had opportunity to start saving towards a pension this is a critical time because failure to do so before you reach 40 will almost definitely mean that you will have insufficient time before retirement to build up a decent level of pension contributions to ensure a comfortable lifestyle.

Where possible join a corporate or government related pension plan as these employers often contribute additional amounts to whatever you can afford to save. So for instance if you put 4% of your wages/salary a month into a pension plan they will likely match it.

These schemes are often referred to as final salary schemes, as the pension provider promises to pay you a pension based upon your final salary before leaving the organisation and the level of financial contributions made to the plan. So the sooner you can start saving in your 30's the more pension contributions you will have built up by retirement and the greater your final pension pay out.

2. Property Investment

If you have not yet been able to purchase your own property, your 30's are a good time to get into the market. The benefit those in their thirties have over those looking to buy in their 20's, is that you may already have 10 years worth of savings from employment which can be used to place a larger deposit on the perfect property. This often reduces the size of the monthly repayment levels and the total amount of interest you will have to pay in the long term. Whilst the decision to own a property is down to personal choice it is advisable, as property usually gains in value and is therefore a long term investment In the future you may be able to sell your property and downsize leaving you with a healthy profit with which to improve your retirement.

Delaying a decision until you reach 40 means that your may be unable to retire early in the future due to ongoing mortgage repayments into your 60's or even 70's. In addition insurance payments that you take out for the duration of your mortgage term to protect against critical illness or disability and life insurance or income protection will be cheaper than they would be at 40 because of your age.

3. Life Insurance

Life insurance gets more expensive the older you get because the risk of death increases with age. If you have not yet thought about life insurance consider taking it out now as it will never be cheaper. Whilst no one likes to think about death, it is important to protect loved ones from an excessive financial burden should you die early. Taking out life insurance whilst in your 30's can save you anywhere between $300 and $600 dollars a year on an average policy.

4. Saving for your children's education

If you have children as you reach your 30's, planning for their future educational needs is now critical if you intend to give then a good start in life and not place excessive financial burdens on yourself another 5-10 years further along. College and university education can be very expensive. Costing between $30-40,000 per child. Whilst this figure is spread over a period of years it is important that you start thinking about how you will meet this cost now.

Also think carefully about what level of risk you are willing to expose yourself to as you save or invest for your child's College/University fund. Do you really want to invest in high risk shares where the potential to lose your original investment is significant. Try instead investing in government bonds or placing money on deposit in a high interest savings account.

Summary

This article has attempted to explore some of the financial planning considerations for those in their 30's and the commitment this requires. We have examined the importance of good retirement planning through sound pension and property investment along with the need to make contingency plans through life insurance in case of death. Finally we have explored the importance of thinking now about financing college or university education to dependent children.

Jonathan Dawkins is the author of the Your Free Debt Help blog, which is dedicated to providing free debt resources, guides and information to help individuals with their personal finance management.

Article Source: http://EzineArticles.com/?expert=J_Dawkins

Just What Is A Universal Life Insurance Policy?
By Aazdak Alisimo Platinum Quality Author

Grasping the basics of a Universal Life Insurance Policy is fairly simple, although the concept and its practical applications in individual financial planning can be quite complex and varied. The scope of a Universal Life Insurance Policy is often stated by defining the policy as one that gains actual value during its term. In many ways, the policy might be viewed as an investment vehicle rather than a policy at all. For many owners, the element of the policy is almost secondary. It is the investment potential that is important to them.

This view of the policy is understandable when you take a close look at the exact dynamics of the concept. It has been stated, and with a bit of truth, that the life insurance policy can be compared to a wager between the company and the client. The wager concerns the life span of the client. The company is betting that the client is going to live to a ripe old age and the client is betting that he dies prematurely. If the client suffers an untimely death, he wins the wager.

Now, when it is viewed this way, the client certainly does not want to win. In fact, he has no way to win. If he lives his expected life span, paying his premiums the entire time until the "term" of the insurance expires, he has only the satisfaction that he provided protection to his family during this time, but it was protection that, as it turned out, he did not need. So, the idea of the universal policy gives the client a way to win. The premiums that are paid into it are actually investments.

The funds paid into the product as premiums are invested in the manner of a retirement account or mutual fund. The earnings enjoy tax exempt status as long as the policy is in force and meets IRS guidelines. The earnings can eventually reach a point where they can be used to pay the cost to keep the "death benefit" in force. In other words, the product is taking care of the "protection" function of life insurance at the same time as it is serving as a viable investment vehicle.

The purpose of this insurance and financial product is simple. It is a policy that has the potential to increase in value in the same manner as a mutual fund while providing the basic "death benefit" protection at the same time. There is really no true downside to it except that it sometimes frightens clients who prefer things extremely simple and straight forward even if they are not in their best interests.

Aazdak Alisimo writes about universal life insurance for UniversalLifeInsuranceCompanies.com

Article Source: http://EzineArticles.com/?expert=Aazdak_Alisimo

Who Should Buy Term Life Insurance?
By Denise M

There are a wide range of life insurance products that are floating in the market. Choosing the right insurance policy involves assessing your particular situation and evaluating the right policy for you. It is imperative to choose the right life insurance that fits your bill or which can be customized to suit your particular needs.

Unlike whole life insurance, term insurance is purchased to cover a limited term period. Term insurance pays the insured sum only when the insured dies within the time span of the policy. Term policies do not accrue any cash value. So if you live past the length of the policy, you won't receive any money. It is also important to understand that premiums for term life policies may not be fixed, and may increase from time to time. To avoid this, be sure to look for a guaranteed level premium term life insurance policy. These policies guarantee a level premium throughout the term period.

Advantages of a Term Life Insurance

Term life insurance covers the maximum insurance for your money. It can be beneficial for those families that have more financial obligations than current assets. Here are some of the advantages of a term insurance:

Affordable
Term insurance offers the most affordable premiums against high death benefits.

Simple
Term insurance is the most simple life insurance product available in the market.

Competitive Pricing
Since term life policies are simple in nature, they can be easily compared on the basis of price and features. This makes term insurance an appealing commodity in a very competitive market.

Flexibility
Term Life policies may include "renewability" and "convertability" options. The renewability feature enables you to renew your term policy at the end of the term, without having to undergo a medical exam. A convertible feature allows you to convert your term life policy into an equivalent whole life policy, which accrues cash value, should you feel the need to switch to a permanent policy.

Waiver of premium
There is an additional optional feature called "waiver of premium", which means that in the event of your inability to pay premiums due to circumstances stipulated in the term life insurance contract, the insurance company will waive payments for a stipulated time. However, this feature comes with an extra charge.

Short Term Coverage to Suit Your Needs
Term life is suitable for short term coverage. If your mortgage can be paid up in ten years you may want to choose a term policy for ten years. Most people do not envisage requiring life insurance in their senior years, so a term policy makes sense for short term financial planning.

Deciding If a Term Life Insurance Policy is Right for You
Deciding the right insurance policy is a very important step in securing your family's future. If you are looking for a low cost, budget friendly life insurance plan, choosing a term insurance policy would be your best option. Moreover, term life policy is a good choice for people on fixed incomes and with a growing family. If you have a mortgage, educational loans, estate taxes or other liabilities, your sudden death would place an overwhelming financial burden on your family. Term life provides high death benefits at the most affordable rates. This is why term policies are the most popular insurance policy. You should determine the amount of life insurance coverage that enables your family to clear all debts and provide a tidy some for their future. You may want to include college funds for your children in your coverage.

Here is a quick check-list that can help you to decide if a low cost term insurance policy is right for you:

If you're on a budget and cannot afford a very high premium.
If you are young, and in good health. You can take advantage of low premium rates.
If you are looking for a simple, straight-forward, low cost life insurance plan to protect your beneficiaries.

Most people need life insurance and term life is suitable for all stages of life. Term life policies offer a cheap option to suit your needs. Term life is also easy to purchase. Many online insurance providers have access to hundreds of reliable insurance companies. By feeding in your personal information, you can receive numerous quotes for comparison within minutes. Remember to be completely honest in answering questionnaires. Use sites that are absolutely safe and are certified by the Better Business Bureau to safeguard your interests. Many online sites, provide cheap initial quotes to attract customers. They may end up being a disappointment.

Many people think they may not be eligible for a term life policy or they will have to pay high premiums because they suffer from certain health conditions. But there are online insurance providers who can help you find life insurance companies that may look more favorably on certain medical conditions than the regular life insurance companies. This is where shopping around for term life policies will come into play. If your health is poor, you may want to check out these Insurance FAQs for help in how to find companies that may be able to offer you more favorable quotes even if you do suffer from certain medical conditions.

Conclusion
Choosing the right life insurance that suits your needs is simple once you've studied your options thoroughly. Utilize the Internet's resources to educate yourself about life policy basics. Factor in your personal situation, present debts and future liabilities and you will be able to gauge how much life coverage your family would need. Many online insurance quote providers can help you with your queries and offer professional advice on choosing the right policy for your particular situation. And once you factored in all the scenarios, and have numerous term life policies to evaluate, choosing a life insurance not only becomes easy, but beneficial too.

AccuQuote is a leader in providing term life quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term life insurance as easy as possible for its customers. Their experienced professionals consistently deliver the most affordable term life insurance rates by comparing thousands of life insurance policies from dozens of top-rated carriers.

Article Source: http://EzineArticles.com/?expert=Denise_M

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All About Life Insurance and Financial Planning By Insurance Experts

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Low Load Life Insurance - The Secret Is Finally Out
By Chimezirim Chinecherem Odimba Platinum Quality Author

Low load life insurance has been kept as much a secret as possible by insurance agents. Companies sell life polices at very low rates because they either offer very little agent commissions or none at all.

However, don't go for these companies unless you're very sure you know enough about life insurance and do not need an agent to guide you through.

An agent is there to help you through with things you don't understand and is therefore very useful. Only those who are experts in financial matters in their own rights can make the right choices without a life insurance agent. The role an agent plays is very vital to your financial planning.

A low load company offers very low rates. A 30 year old woman can expect to pay as low as $200 for a $250,000 coverage with a low-load company.

Although you'll attract very low rates, you can make the mistake of a lifetime if you don't know enough to make a decision without an agent's assistance.

But, please bear this in mind: Some agents might offer you low-load life policies as some traditional insurance companies now also sell them. It's also good to point out that you can get very low rates too without buying from low-load companies.

You might save several hundreds or even a few thousand dollars by simply obtaining and comparing life insurance quotes from not less than three online sites. Doing this will take you around 15 minutes. As you visit each site, make sure you give the same information. Furnishing false information will produce misleading results. You can just pick the cheapest quote when your quotes are returned.

Here are my favorite pages for life insurance quotes...

InsureMe Life Insurance Quotes

Life Insurance Quotes

Publishers can get unique versions of my articles by following any of the links above. Click on "To Use My Articles" when you get to my site.

Chimezirim Odimba writes on insurance.

Article Source: http://EzineArticles.com/?expert=Chimezirim_Chinecherem_Odimba

Benefits of Buying Life Insurance Online
By Denny Kuty Platinum Quality Author

Life Insurance is most certainly a dry subject matter. In fact, most people would like to avoid thinking about it altogether. The Insurance Information Institute survey suggests that one third families in the United States with a new born baby fail to update their life insurance cover. However, easy and quick online policy buying methods are very encouraging for policy buyers.

The idea of planning for one's death is quite unpleasant. However, several reasons necessitate the need for evaluating the purchase of an insurance plan. Existing policy buyers may also be compelled to review their financial needs. The right type of insurance cover can provide ample peace of mind. Useful tips provided in this article can help policy buyers to purchase an online policy plan at an affordable price.

To begin with, insurance plan buyers should evaluate their individual financial needs. Using online calculators, funds required by the spouse until retirement and for children's higher education should be determined. Initial ground work is important before deciding to buy a policy or hiring professional help. Information available on websites can educate the policy buyers to be confident and well informed.

Policy shoppers may choose not to pay for professional advice. Instead they may use free online quote systems available on various websites. Online quote systems help policy buyers to compare costs. Free web tools assist in the search for plans that offer discounted premiums. Free quotes for policies with critical illness, mortgage protection and income protection are available on the internet. Term Insurance is best suited for individuals in the age group of twenty to fifty years. Most people would benefit from the Term Insurance plan. However, wealthy individuals over the age of sixty would derive more benefits from a cash-value insurance plan.

Prior to making a purchase, buyers of policies should decide the method of purchase. Either they can purchase the plan independently or seek guidance from a financial advisor by paying a fee. Policy buyers also have to option of buying a policy plan through a financial planner or an insurance agent and paying a commission for their services.

It is recommended that every policy should be carefully checked for any errors or inaccuracies. The signed delivery documents along with the first premium check should be sent to the insurance company. Thereafter, the policy will be activated. As is the case with any other legal document, a copy of the insurance policy should be deposited in a safe place.

Most importantly if policy plans have been purchased online beneficiaries should be informed about the file location if it is a soft copy. Alternatively, the beneficiary can be provided with a hard copy of the entire policy plan.

Denny is a Top Insurance Traffic Producer in the US. He drives traffic to top insurance carriers across the country. If you need any type of insurance or would like a free quote then get your Free Online Insurance Quote Today and check out our national insurance leaders Get Yours Now

Article Source: http://EzineArticles.com/?expert=Denny_Kuty

What Are the Benefits of Life Insurance?
By Don Lewis Platinum Quality Author

Many people wonder, "what are the benefits of life insurance?" Life insurance is a vital part of most people's sound financial plan. Especially if you are younger and just starting out in your career or still in the wealth accumulation stage, you probably need life insurance.

Life insurance, however, often gets overlooked because
1) There's no law requiring it;
2) Many people don't like thinking about their own death so they avoid it;
3) It's not "tangible" so people can have trouble seeing its value;
4) When people think about financial matters they prefer to think of their own accumulation, not paying somebody else "just because they die";
5) Some people get offended at the thought of "putting a price on their life", even though that's not at all what life insurance is about.

But with life insurance, you get an immediate estate created for you. You are protecting those you love from the financial effects of your untimely death. You could also be protecting your own legacy if you use life insurance as a "key man" policy on yourself when you own or are a partner in a business, or use life insurance as part of estate planning if you are one of the "rich".

So, you are not trying to pay people just because you die, and I'm sure that they don't want you to do that (if you think they do, you had better re-evaluate your feelings for them!). Instead, life insurance is supposed to be carefully planned out between you and your agent or a financial planner so that you figure out the amount of death benefit that you need to protect your spouse, children, etc from awful consequences of your untimely death. In this regard, most people are underinsured.

The true recommendation is that you carry anywhere from eight to 20 times your current income as your face value on your policy. This may sound extreme, but think about the consequences of your death. After your funeral expenses are paid, your survivors will probably need to replace your income to continue taking care of things. If they can't do that, they might lose their home, they might struggle to afford basic necessities, their lifestyle might be diminished (if you love them you never want this to happen), they might suddenly have creditors hounding them, they might not be able to pay their health insurance premiums, and other dark possibilities.

Many people plan badly with insurance, and sometimes incompetent or inexperienced agents don't help matters. They might plan just to have the mortgage paid off, for instance, and never dream of the necessary income stream (most of the death benefit would be put into a safe interest bearing account that gets a better return than the rate of inflation and some would only get taken out when necessary). Life insurance is not just about your survivors paying for a funeral, paying off the house, or having extra money to "escape" with to forget about your death. It should not be just about immediate considerations, but requires long term planning.

So, the next time you wonder, "what are the benefits of life insurance?", just try dying for a moment.

Are there Taxes On Life Insurance? Click here to find all the Life Insurance Advantages and Disadvantages

Article Source: http://EzineArticles.com/?expert=Don_Lewis

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The Best Insurance Company to Protect Your Family
By Tiffany Nelson Platinum Quality Author

With certain things in life, you don't want to make mistakes. Life insurance is one such thing. If you die, the death benefits from your life insurance policy will guarantee your family's financial security. People get stressed out about buying life insurance because they want to get sufficient coverage to take care of their beneficiaries, but they also want to avoid paying high insurance premiums. How can they find the best insurance company to take care of them?

There is no one-size-fits-all answer to this question, but you can definitely find the best company to deal with you and your situation. Here are some tips for finding the "best" company.

The Internet is a useful tool for researching potential insurance companies. Use it to look up consumer reviews on certain companies. Talk to friends and neighbors about their recommendations. An independent insurance agent can also provide you with invaluable advice. In general, the best coverage at the best price will be through your employer, but it's a good idea to shop around and make sure.

Ratings services like Moody's and Standard and Poor's allow people to check up on the reputation of different insurance companies. It's important to check these resources, especially if you're buying insurance from a lesser-known provider. In general, insurance companies are in good financial shape, however. Once you've narrowed down to a handful of prospective companies, it's time to start requesting quotes.

When you buy life insurance, you may choose from one of two main policy types. Term life insurance pays death benefits to your family if you die within a certain period of time. This is usually 5, 10, 20, or 30 years. Term policies usually don't have cash value when cancelled. Permanent life insurance policies have both a death benefit and a cash value if you cancel the policy. The cash value of the policy increases over time, and the premiums and death benefit usually stay about the same.

Click here to get a fast quote from best life insurance company.

Article Source: http://EzineArticles.com/?expert=Tiffany_Nelson

Life Insurance For a Single Person
By Christy Love Platinum Quality Author

If you are a single person, it's a good idea to have at least enough insurance to cover your burial. The average cost of a funeral in America is between $7,000.00 and $14,000.00, depending on your final wishes. If you only desire to be cremated, you need at least $3,000.00 of coverage.

Take into account also, what debt you may leave behind. If this debt will become the responsibility of loved ones, you should have enough coverage to protect your loved ones from a financial burden, following your death.

Term Life...

Many single people have term insurance to cover them for just the reason, stated above. Term life is very inexpensive. It does not build any cash value and it not permanent, however.

Whole Life...

If you're a young person looking for permanent insurance that will have level premiums, level death benefits and will build cash value, whole life insurance is what would be suggested. The monthly premium never increases, the death benefit never decreases and the cash value is guaranteed for as long as you live, or until age 100.

Regardless of the type of insurance policy that you select, protecting your loved ones, family and friends from a financial burden when you die, is a responsible and caring act.

To find an insurance company that offers low insurance premiums for single persons, you can conveniently compare policies and quotes, online. You do not have to actually apply for insurance online to have access to quotes and policy details. It's the responsible thing to do.

http://www.LifeInsurance4All.com/ is a free tool that you can use to compare life insurance policies and quotes, including for people that are single.

Christy Love is a Platinum Level Expert Author at EzineArticles.com.

Article Source: http://EzineArticles.com/?expert=Christy_Love

Life Insurance - When It's Critical That You Get It
By Chimezirim Chinecherem Odimba Platinum Quality Author

Getting a life insurance policy is one smart way to do your financial planning. But while it's great if everyone has it, it NOT critical for all. This article will help you see if you fall into the group that needs it critically...

1. Are you a bread winner and want to ensure that your family isn't exposed to financial hardship if you pass on? Then you need a policy.

Your kids can still attend the college you dreamt of. Few things are worse than having your kids' lives made harder than it should be because you didn't plan right.

2. Do you have an outstanding mortgage on your home? You also need life insurance even if you're NOT the bread winner.

Have you considered what the demise of a spouse can mean? The kids would have to be catered for -- This means higher expenses since you'll need qualified help. The house-keeping needs will come to the fore. Many people do NOT take time to appreciate the great work homemakers do daily.

3. Do you have a business partner? What would happen if they passed on? Would you be able to buy out their part of the business or be stuck with their kid or heir who knows nothing of your business.

Unless this partner was really doing nothing, you'll lose their expertise. How do you get that quality of expertise quickly if you cannot cough the kind of money that would attract the right persons?

4. Do you have highly skilled workers on whom you've invested a lot in. They might be on a contract with you for a number of years but what happens if they pass on before you recoup your investment?

If you took out a policy on them (with your business as the beneficiary), you'll find it a lot easier to bounce back.

I know many don't buy a life insurance policy because it would cost them much. But then you can get the right life insurance coverage if you belong to any of these groups for a lot less. All you have to do is read up on tips provided in my other life insurance articles and then get and compare quotes from a wide range of insurers.

In fact, getting and comparing quotes alone can help you save up to $1,000 in some cases.

Here are great pages for life insurance quotes...

InsureMe Life Insurance Quotes

Life Insurance Quotes

Chimezirim Odimba writes on insurance.

Article Source: http://EzineArticles.com/?expert=Chimezirim_Chinecherem_Odimba

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All About Life Insurance and Financial Planning By Insurance Experts

Most individuals are aware of responsibilities towards their family and loved ones. One of the primary reasons therefore for buying the Life Insurance policy is that individuals are keen in providing the much needed financial protection to their family and loved ones in the event of their sudden death. The National Association of Insurance Commissioner (NAIC) is the governing body for all providers of National Life Insurance policies in the United States. It is strongly recommended by NAIC that potential policy buyers should review certain vital aspect before making a well informed choice about the National Insurance plan.

The NAIC provides essential tips to potential buyers of National Insurance policy during the annual Life Insurance Awareness program conducted in the month of September each year. This article outlines important review points to educate customers about insurance and to help individuals make a well informed choice about the right National Insurance policy plan.

The first most important thing that policy buyers are suggested to do is to review the amount of life insurance cover to determine if the sum insured in the past is still appropriate for their current financial situation.

The NAIC offers a handy checklist with useful tips to all National Life Insurance holders in assessing if their present plan provides them with maximum benefits.

The basic guidelines provided by NAIC include certain tips for proper evaluation of the National Insurance policy. Firstly, provision of financial support to the policy holder's spouse in the event of the sudden death of the policy holder. Secondly, provision of funds to maintain the property or estate developed during the lifetime of the policy holder and appropriate allocation of such funds to beneficiaries of the deceased policy holder. Thirdly, funds provision for major financial responsibilities such as mortgage debt or car loan.

The NAIC also recommends that policy buyer's should consider long-terms goals such as retirement or children's higher education prior to deciding the amount of insurance cover. For example, the Term Life Insurance is short period plan which offers limited reimbursement to beneficiaries as compared to Whole Life Insurance plans which also provide cash value.

Finally, before purchasing any type of National Insurance policy, financial experts recommend that policy buyers should ensure that the insurance agent or company is licensed to sell insurance in their state. Policy buyers can confirm this from the State Insurance department using the toll free number which can be obtained through search engines on the net using key terms.

These tips can help potential buyers of National Insurance policy to make a well informed choice about the insurance plan which will earn maximum benefits not only for the policy holder but also the subsequent beneficiaries.

Article Source: http://EzineArticles.com/?expert=Denny_Kuty

Final Expense Burial Insurance Policies For Senior Financial Planning
By Marilyn Katz Platinum Quality Author

If you watch TV, surf the net, or open your mail, and it you are a senior citizen or a caregiver, you have certainly seen ads for a product called final expense or burial insurance. The ads usually point out that funerals average $8,000 in the US, and in some areas, can cost much more. They also point out that senior citizens may leave other expenses behind. Debts need to be settled, a funeral will probably cause many people to make unexpected travel plans in a hurry, and sometimes, a body will need to be transported.

Now nobody likes to think about a loved one passing away. And yet, it is much better to give it some thought in advance, rather than waiting until arrangements need to be made in a hurry. Even if some planning were not needed, you will still have the matter of coming up with the cash to pay for everything. Now some funerals do sell something they call pre-need funeral plans. These have a place, but are not the perfect solution for everything. For one thing, they will probably not cover all expenses associated with the funeral itself, much less debt settlement, travel, or transporting a body.

So the alternative solution, called a final expense or burial policy, is actually a smaller face value whole life insurance company. These are designed for seniors, and some can be issued up to age 85. They usually do not ask many health questions, and some do not ask any health questions at all. The face value of these plans range from $2,500 to $25,000, and the smaller amounts make them easier to obtain for an older applicant. The smaller value also makes them more affordable. However, a few thousands dollars may be just the right amount of life insurance to make sure that final expenses are covered. In the world of life insurance, a few thousand dollars is considered a small amount, but for the children or grand-children, that can be quite a bit of cash to come up with in a hurry.

With a senior life insurance policy, the beneficiary is also not tied to one particular funeral home and location. I know of many cases where elderly people moved from their homes to spend their final years closer to children who had moved away for jobs. Also, many funeral homes will accept the policy as proof of ability to pay for the funeral, and so, they will not require a large check to be written the day of the funeral. I have also heard of cases where funerals had to be delayed because the children needed time to come up with the money!

A senior citizen can purchase a policy like this for themselves. They may name their children, or whoever will make final arrangements, as the beneficiary. It would be best to select a person who lives close and will be responsible for making sure that plans are carried out. Sometimes the children of an older person will purchase a plan like this for an older person, and they will pay the premiums and name themselves as the beneficiary. In most cases, this is perfectly legitimate.

So, do you need a final expense or burial life insurance policy? Well, if there is plenty of liquid cash on hand so that all funeral arrangements can be made with no problem, then you may not need it. If the insured person already has sufficient life insurance or other assets to cover everything then, again, it may be one offer to pass up on. But for many people, even some with life insurance that is intended to provide an estate for family members, a final expense policy can be an affordable way to plan for the inevitable and give everybody peace of mind.

You can save money on life insurance by comparing rates! Use our handy online form to Compare Burial Insurance Policies from your home PC and internet connection. It is fast, safe, and without obligation.

Find No Medical Exam Life Insurance for Senior Citizens at http://www.nomedicalexam.net/seniorlifeinsurance.html

Choosing a Reliable Life Insurance Company
By Michael Ezie Platinum Quality Author

Life insurance companies compete on various selling points. Some try to gamble their claim to be the best by giving lower premiums, whereas others confess their premiums for a similar policy are higher but they have other advantages such as better customer service, quicker payout times in case of a claim, better financial solidity, a wider range of products, etc.

With so many companies selling life insurance, a lot of people have a difficult time choosing which life assurance company to pick for their necessities. This matter is principal in everyone's mind these days with the financial questions in the global economy that have witnessed many such companies meeting difficulties and having to ask for government monetary help.

One of the best methods to ensure that you are getting the right policy is to opt for a well-qualified life insurance company. All life assurance companies have a variety of policies that cater to people from all walks of life.

Before you begin seeking a reliable company, you need to first make a decision whether you want term or whole life insurance. Once you come to a decision, you can discover more information about each type of life indemnity and the advantages given by the various companies you contrast.

The most dependable way to discover whether or not the life insurance company from which you have chosen to buy your life assurance is trustworthy and reliable is to make some research. There are a number of ways to do research to get the best one. You might want to have a discussion to any family members, friends, co-workers, etc. who apply the same company. You might want to read information given about the life assurance company, like company Web sites, and talk to an agent. Or, you might want to look into how high the company is rated by a variety of independent financial rating services.

Keep in mind, choosing a reliable life insurance company involves more consideration than just ensuring the company is financially established.

By making some research, you will be able to discover the best life insurance company for your necessities as well as the necessities of your family.

If you want to get some excellent resources on life insurance, please visit my site on All about Life Insurance or Life Insurance Company

Article Source: http://EzineArticles.com/?expert=Michael_Ezie

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All About Life Insurance and Financial Planning By Insurance Experts

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Does Life Insurance Make Sense For A Retiree?
By Robert Zimmerman

The question that commonly faces those in the retirement zone is: What should be done with my life insurance policies? And, should I consider putting money into a new plan?

Typically, we have been indoctrinated to understand that life insurance is intended to replace income when there are dependents who would be impaired if the breadwinner passes on. Who would make the mortgage payments, bring home the bacon, pay for education, etc? These are valid reasons for carrying life insurance protection that may no longer be true for seniors, and may lead one to terminate coverage, and thus reduce the outlay required to maintain the coverage in force.

Over the last few years, there have been significant changes in the life insurance industry that should be evaluated. In short, these changes have made life insurance benefits available to the insured while still alive. Known as 'accelerated benefits' , these innovations first became commonly available some years back as a offer to advance a portion of the life insurance face amount if one were to be pronounced 'terminally' ill. In other words, if a doctor certified that your life expectancy was 24 months or less, you could be advanced up to 50% of the face amount of your policy while still alive as a financial relief during that time.

Since that benefit was introduced, there has been an increase in the benefits offered to cover 'chronic' illness. This means that a doctor certifies that you are not able to perform at least two out of six normal 'activities of daily living'. Those who have purchased insurance for long term care will recognize this term as the same requirement for benefits to be paid under that type of contract. Typically, there is a restriction on the amount that can be used while living, and that normally limits the available benefit 2% of the face amount of the insurance per month. For example, a $200,000 face amount could provide up to $4,000 monthly to help pay for health care either at home or in a facility.

This development now casts the life insurance decision in a whole new light. If a senior citizen is healthy enough to qualify for new insurance, he can set up a $250,000 life insurance plan that he can use to eliminate the need for long term care insurance. Unlike insurance for long term care, he can know in advance that he will never be subjected to increased premiums if the insurance company finds they have a need for more money to pay claims, as they are now noticing. And, recognizing that many seniors believe the long term care insurance is only needed for the 'other guy', because they are too healthy and so on, that objection is no longer valid. Everyone will use this plan someday, since nobody lives forever.

If you have an existing life insurance plan, your may question the wisdom of discontinuing it in favor of a new plan. You can look at it this way: If a new car came out that doubled your gas mileage, would you consider trading in the old one? If you are under the impression that your cost of insurance is lower because you bought the plan at a younger age, you need to have someone show you how to calculate the true cost of life insurance protection. You may be surprised.

Existing policies have established values, and these values can be realized in a number of ways that an experienced planner can help you with. If you are serious about upgrading an older style plan, the first thing you need to do is to find out if you can satisfy the requirements to obtain a new policy. There is no point in getting excited about something that will not be available to you because of poor health.

It is pertinent to ask about costs, since the amounts required from a retirees budget can be significant. Costs will vary, of course with age, health and other factors. As with any financial decision, you evaluate what you get for what you give. You might find it to be an unworkable situation, but you may find the value to be an unbelievable investment, not only for peace of mind, but also financially. There are many retirees who are in this position: Move $1 from one pocket and have it show up in another pocket as $2 (or more).

In that respect, you may find it hard to believe that you could fully guarantee a return of $2 or more for every $1 you put into a plan, and that return would be fully tax free to your estate. If, for example, you were able to allocate $100,000 from a 401K plan or an IRA, and know that there would be a $200,000 guaranteed payout, would that not be a superior investment to include in your planning? And, particularly so if it eliminated the need to be concerned for long term care expenses?

The chance of being offered this alternative is very slim if your financial advisor does not have the necessary licensing, or the comfort in dealing with insurance contracts. If that is the case, you would be well advised to seek out a practitioner who can offer you the full menu of choices, even if it necessary to refer you to a specialist. This is commonly done in the field of medicine. It should not be forsaken when dealing with your financial health.

The impact of proper planning in this matter cannot be overemphasized. It is true that not everyone will be able to implement this plan, since we all reach the point where insurance underwriters run the other way. For those who can qualify, however, it will be easy to recognize in a financial sense that your good health is the major asset you have.

Like it or not, we all must be financial planners. Bob Zimmerman now brings over 50 years of experience to the aid of those seeking to better inform themselves. Holding a BS degree in Finance from the University of Detroit, he also has an MBA degree from that institution.

He spends his senior years devoted to advancing the goal of educating the public. To that end, he has published a book - THE ANNUITY-FROM MYSTERY TO MASTERY. It is further described on his website - http://www.safemoneyplus.com

Article Source: http://EzineArticles.com/?expert=Robert_Zimmerman

Life Insurance Creates Security
By Carson Koziol

Many individuals would love to find a financial guarantee to help them feel more secure about their future. It takes an awful lot of convincing to make people feel confident in any guarantee these days. Many suggestions and ideas are available but, just how many are secure? Whether you are a young professional just starting out, an established professional with a client base, or the retiree who already made his or her mark, something as simple as LIFE INSURANCE can provide security in today's tough times.

Life Insurance comes in many forms. A term life insurance policy or a whole life insurance policy, can be the magic bullet to get you planning your financial future in the right direction. Even better fixed rate annuities can offer guaranteed tax deferred returns. Imagine a guaranteed return of your money and a return on your money, depending on what you invest, you can do quite well. With the option to roll it over at the end of the 5,6,7 or even 10 year term you have chosen the tax deferability continues as well. In my opinion more people should start considering these options and start researching various insurance carriers and their rates. After all, several insurance companies are still very strong, making wise, safe and sound investments, and no matter what your financial planner tells you, aren't going anywhere. As we have all seen 401(k)'s are suffering in this recent depression. Fixed annuities can maybe add stability to your portfolio.

You can find open forum discussion on these topics as well as helpful tips at Moneyferret.com. Also, if you live in Nevada you can go to Aisreno.com and begin researching these products today.

You can find open forum discussion on these topics as well as helpful tips at http://www.Moneyferret.com Also, if you live in Nevada you can go to http://www.Aisreno.com and begin researching these products today.

Carson E. Koziol
I am a licensed insurance agency owner in Nevada

Article Source: http://EzineArticles.com/?expert=Carson_Koziol

Why Bother With a Life Insurance Settlement?
By Peter Crump Platinum Quality Author

A life insurance settlement is the amount of money your beneficiary collects when you die during the term specified under the life insurance policy. The premiums you pay depend on the type of life insurance and the amount of the settlement you want to have if and when the life insurance company has to pay out. You might get a policy a lot cheaper if you opt for term life insurance because there is a possibility that you will never get to collect the settlement.

Settlements have become a very important factor in the estate planning process for seniors. Prior to the life insurance settlement industry, if a senior owned a policy that was no longer wanted, needed or could afford, there was no option but to lapse, cancel, or surrender the policy back to the carrier for the cash surrender value. Senior life insurance policies allow qualified policyholders to liquidate a policy for an amount much higher than the cash surrender value. Then, these seniors can take advantage of important financial opportunities using the proceeds of an unneeded or obsolete life insurance policy.

There are two types of life insurance settlement transactions: One kind creates immediate liquidity from a non-performing asset, allowing policy owners to cash out of unwanted, unaffordable or obsolete life insurance policies insuring a senior over age 65. The other is a Viatical settlement, which enables someone facing a terminal illness to utilize the present day value of their life insurance policy to ease the financial burdens that can be caused by the high costs of medical care. Knowing that there are options on how to receive a settlement with senior life insurance can take off some stress in a stressful situation.

Over the past few years, life insurance settlements have gained popularity among the financial planning community as the financial benefits to policyholders have become far too good to ignore. As this industry continues to grow, many financial professionals have begun to recommend this financial service to their friends and families. This enables more and more life insurance policy owners to access the unrealized equity built up inside an asset that is normally considered only as a future benefit. Thus, it has become much more than a settlement that is used at the time of death.

By being informed about life insurance settlements, you can help turn a policy on the verge of cancellation, surrender or lapse, into an immediate cash settlement. It's a true win win opportunity!

A life insurance settlement is an important event.

For a website totally devoted to Life Insurance visit Peter's Website Life Insurance Answers at Life Insurance Answers and find out about Life Insurance as well as Cheap Life Insurance at Whole Life Insurance and more, including Online Life Insurance, Term Life Insurance and Life Insurance Agents.

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All About Life Insurance and Financial Planning By Insurance Experts

Most people do not like to think about dying. Even while dying, most people do not want the end to come. Sometimes, in an effort of trying to forget about "the end", people will forgo important details related to their death, such as proper financial planning for those left behind. However, to show love to those left behind, we need to financially plan for when we are no longer alive.

According to the article, Economic Crisis Heightens Financial Fallout for Bereaved, "One in five people fall below the official poverty line following the death of their partner." The article went on to say that women tend to be affected more than men, although men can be affected. What does this say, though? People have a 20% chance of being not just poor after a spouse's death, but below the official poverty line, especially if you're a woman.

According to the US Census Bureau, a person (such as a widow or widower) with no children at home under age 65 is in poverty if their income falls below $11,201! Now, I'm not sure about you, but if I only made $11,201 or less per year, I'd be eating lots of Top Ramen! The thresholds are different based on your number of dependents and your age, but you get the idea that the official poverty line is quite, for lack of a better word, poor!

So 1 out of 5 widowed people make less than $11,201 per year following their spouse's death (assuming they are under 65 living alone). What about if the widowed person had children? Then the official poverty line would states that the mom with two kids would make less than $17,346 per year--that still sounds like lots of Top Ramen, skipped meals, a scary apartment and shopping at Goodwill. But that is what someone making $8.33/hour working full-time can expect to make in a year!

So how can a person avoid having their widowed "better half" in financial ruin? Lessons I have learned have included the following:

• Meet with a financial planner prior to death. Ideally, it would be best to draw up a plan while healthy, but if you are dying, no time is better than the present! This can save your spouse a lot of "grief" after your death.

• Make sure that all of your beneficiary designations are correct.

• Make sure to be adequately insured. Every situation is unique, so it is important to talk with an insurance professional about what is important for you and your family.

• Talk with your spouse about a contingency plan after your death so that there is less "guesswork" for them to do alone.

• Depose of assets while you are still alive and can make the decisions together. If, for example, a house needs to be sold no matter what after your death for your spouse to cover expenses, then work on getting the home ready for selling currently.

• While you can, help your spouse get ready for the workforce if they have been staying at home or help them improve their skills if their salary/retirement income is less than necessary to cover expenses. Help them now with writing a resume, cover letter and/or signing up for college classes/continuing education.

• Stay educated about changes for benefits through the government. Many people do not realize that their spouse may not receive survivor benefits from the Social Security Administration (SSA) while others did not realize that the SSA even paid any benefits other than retirement. Stay savvy about what your spouse may or may not receive.

Do not let your spouse be another statistic when facing your death. Instead, take proactive steps today, whether healthy or sick, to taking care to make sure that your spouse will have enough to live off of when you have died.

References

Economic & Social Research Council (2009, June 21). Economic Crisis Heightens Financial Fallout For Bereaved. ScienceDaily. Retrieved June 26, 2009, from http://www.sciencedaily.com/releases/2009/06/090621143219.htm

Social Security Administration. (2009, April 1). Widow, Widowers and Other Survivors. Retrived July 9, 2009, from http://www.ssa.gov/ww&os2.htm

US Census Bureau (2008). Poverty Levels. Retrived July 9, 2009, from US Census Bureau website.

Kimberly Rose Carolan is a writer and speaker about grief issues since her father's death to skin cancer. She is the author of Walking through the Valley of the Shadow of Death, a book about the holistic effects of grief, how to grieve well and how to help those grieving around us. She has a B.S. in Business Administration from Southwestern College. For more of her articles, check out her blog at http://walkingthroughthevalleyoftheshadow.blogspot.com

Article Source: http://EzineArticles.com/?expert=Kim_Carolan

Term Life Insurance - The Financial Effects of Smoking
By Lou Del Ricci

Smoking can affect Pennsylvania term life insurance rates in a rather expensive manner. It common knowledge that a smoker will generally pay a higher rate than those who choose not to smoke. The chance of acquiring a life threatening disease is much higher with tobacco usage. Life insurance companies compensate for this by "rating up" a policy to cover the risk. It's worth mentioning that some carriers will not raise your rate if you smoke an occasional cigar (i.e. once a year for a new born baby).

Depending upon when you quit smoking, there will be different classifications. If you have been without the use of tobacco for five years or longer you'll received the best rate available, which is usually "preferred plus". If the amount of lapsed time is three years then the rating would be "preferred". The "standard" rating would apply if there was no smoking for more than one year. Please remember that if there are other medical conditions, besides the use of tobacco, then the rate will also be affected.

There is a temptation to lie on the application. Please be aware that:

1. Life insurance companies conduct an exam which includes a urine sample that would detect the use of tobacco.
2. If you were to falsify the application and the insurance company finds out they could cancel the policy. This would be quite unfortunate if death occurred and payment was withheld.

I don't want to sound like I'm preaching but discontinuing your smoking habit will pay dividends in more ways than your life insurance premiums. Your overall health and feeling of well being will most certainly be enhanced. Not to mention the money that'll be saved from not having to stop at the local grocery store for cigarettes.

Simply put, Pennsylvania term life insurance will be much more affordable if you STOP SMOKING.

For more information on plans and rates I recommend the following website http://www.topratedplans.com

Article Source: http://EzineArticles.com/?expert=Lou_Del_Ricci

Getting the Right Life Insurance Policy
By Michael Ezie Platinum Quality Author

A Life insurance policy is a deal between an insurance company and the insured which assures to pay out a certain amount to your beneficiaries in the occasion of your death.

The advantage from a life insurance policy is not for you. It is to give for your loved ones, but after you have gone. After your death, the money is paid to those who depend on you to provide them a protected standard of living, which they might lose if you should die. This is money when they need it the most, with no income tax or publicity.

When it comes to buying life insurance, determining which type of policy to purchase can be a challenge. But by understanding about the features of available policies and working together with a qualified agent, you'll be able to pick the proper policy to guard your loved ones.

You should bear in mind that your family still needs your income after your death. You want a policy the proceeds of which could be paid out in the form of an income. The best method to do these things is to purchase a life insurance policy to care for the cash needs and another policy that would give income at your death. In either case the most frequently used policies are the 20 year term life, the 25 year term life or the 30 year term life assurance policies.

There are a variety of aspects to think before obtaining a life insurance policy. One of them is a sustained uncertainty about the importance and need for life assurance. It is pertinent for all those who are concerned on the financial future of their family in case of death.

There are a variety of types of life insurance policies customized to go well with the different necessities of various individuals. Relying on the number of dependents and sort of insurance necessities, an appropriate policy can be elected after discussion with financial experts and advisors.

Life insurance policies vary from company to company, and thus the various parameters should be analyzed carefully with the assistance of experts and financial advisors to obtain the best contract.

Getting a life insurance policy is something that you should not rush into. If you are planning to submit an application directly for life assurance, then you may get it easier to make a claim online. All the information will allow you to make the suited decision concerning the best company to get your most appropriate policy from.

If you want to get some excellent resources on life insurance, please visit my site on All about Life Insurance or Life Insurance Policy

Article Source: http://EzineArticles.com/?expert=Michael_Ezie

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