Owning Life Insurance is one of the best ways to protect our loved ones. That is why a recent study showed that over 82% of Americans agree that they absolutely NEED life insurance. However, only 50% of Americans actually have life…
How Do Health Ratings Impact Life Insurance Prices? How does your health rating define your life insurance policy? The state of your health is very important in determining the type and the amount of coverage you can get. If you’re…
Life Insurance Options Depending on Health Your health insurance options depend on if you’re incredibly healthy or have major health problems. If you’re incredibly healthy and don’t rely on prescription medicines, then you’re going to get a reduced rate term.…
Choosing Life Insurance Company Choosing life insurance? Are you feeling confused or overwhelmed with the numerous Arizona life insurance companies out there? It’s an aggressive market. So, which companies do you go with? Here’s what you need to know…
The Living Benefits rider is a benefit you definitely want to take a look at. Living Benefits offers a death benefit rider that allows a portion of your policy’s death benefit directly to you in the event of a terminal…
WHAT IS GUARANTEED LIFE INSURANCE POLICY AND WHAT ARE THE BENEFITS OF VARIOUS OTHER POLICIES? Guaranteed Issue Life Insurance policies are guaranteed to be issued, no matter what, just as the name implies. That is because they are not subject…
Term Life Insurance is an insurance policy that is required to return your premiums at the end of the term, called a Return of Premium Term Life Insurance. Since it is a Term Policy – it lasts for 10, 20 or…
Life insurance health ratings are levels used by life insurance companies to determine what rate will be used to calculate your premium. The ratings generally fall into four classes: Preferred Plus, Preferred, Standard Plus, and Standard. Your individual health rating is…
How do you know if you qualify for life insurance, especially, Whole Life Insurance? As long as you are 80 years old or younger, you are eligible for a Guaranteed Life Insurance Policy of some sort. You will be covered by a Life Insurance Policy, regardless of…
Accidental death insurance is a policy that pays benefits to the beneficiary if the cause of death is an accident. It is generally less expensive and in some cases can be an added benefit to an existing life insurance policy. The difference…