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Advice on How to Shop for Life Insurance Online

Walter Edelstein — Wed, 01 Feb 2012 17:22:18 +0000

Online shopping has become the preferred method for many people looking to buy different kinds of products and services. It’s difficult to deny, for example, the effect that the Internet has had on the purchasing habits of consumers of books and music. But you can also shop for plenty of other products and services online. Perhaps surprisingly, life insurance is one of the things that you can now shop for online. But like buying just about anything else, you need to make sure that you sufficiently educate yourself about the buying process, and what you need to look for. Here is...

Advice on How to Research and Compare Insurance Policies Online

Walter Edelstein — Thu, 05 Jan 2012 15:36:09 +0000

Of all the expenses in your budget, one that sometimes seems the most opaque is your cost of insurance. Chances are you pay for insurance to cover your home and car, as well as health insurance and life insurance. There are a variety of options for each type of coverage, so it’s important to make sure that you have the right kind of coverage, and that you aren’t paying too much for it. Not surprisingly, the best way to research and compare your different insurance policy options is using the Internet. There are many sites and resources available to you...

Advice on What to Expect When You Apply for Life Insurance

Sat, 10 Dec 2011 14:18:07 +0000

Life insurance is something that too many of us do not have enough of. Some have no coverage whatsoever, while others have only small policies that might barely cover their final expenses. You need enough life insurance to pay funeral expenses, pay off debts, and make sure your dependents are taken care of when you’re gone. If you don’t have enough coverage to take care of these things, it’s time to apply for it. Don’t worry, it’s not as difficult or unpleasant as you might think. Here’s some information and advice on what you can expect when applying for a...

Do You Have Enough Life Insurance?

Walter Edelstein — Fri, 18 Nov 2011 15:28:15 +0000

Life insurance isn’t something that most of us like to think about. But if we want to make sure that our loved ones are taken care of when we’re gone, it’s something that we should consider carefully. Here's some advice you need to consider. An alarming number of people have no life insurance, and many others don’t have as much as they should. Those who are able to get life insurance through their employers often do so, but these policies rarely provide adequate coverage. Most offer a death benefit of $10,000 to $25,000, which is barely enough to pay your...

What Is Variable Universal Life Insurance?

Walter Edelstein — Mon, 27 Jun 2011 15:02:21 +0000

Life insurance is, without a doubt, something that just about everyone should have. But not everyone should have the same type of policy. Here's some advice on one of the the many different flavors of life insurance, and any given type may or may not be suitable for you. One little known type of life insurance is variable universal life insurance, or VUL for short. Like other universal life insurance policies, VUL builds cash value and is paid when the insured dies, regardless of whether he or she is still paying premiums. But unlike your average universal life policy, the...

Things to Know About Permanent Life Insurance

Walter Edelstein — Mon, 09 May 2011 14:15:29 +0000

When it comes to buying life insurance, shopping around is a must. There are lots of life insurance companies to choose from, and you can buy through an agent or directly from the company. Most companies offer a variety of life insurance products, and some will meet your needs better than others. The first thing that life insurance shoppers need to know is that there are two main types of life insurance: term and permanent. Term life insurance is purchased for a period of up to 30 years. The policyholder is covered for the duration of the term as long...

Life Insurance Basics

Tue, 13 Jul 2010 13:43:21 +0000

How important is life insurance? Many people think they can go without it. However, for most people it’s a necessity. Here is some advice about the basics of life insurance. For some people, it’s more critical than others. For instance, if you are in your twenties and have no financial dependents, there is little point in getting it. On the other hand, if you do have people relying on you financially, then it definitely would be wise. The only time it wouldn’t be worth it is if you have enough savings to cover all expenses after you die. However, this...

Life Insurance Tips

Wed, 17 Mar 2010 14:38:35 +0000

The average life insurance policy isn’t hard to understand – you take out this kind of policy to basically get life insurance coverage to protect your family. So, if you die unexpectedly, the insurer will pay out on the policy to give your next of kin a lump sum or an income according to the terms of your agreement. In most cases you will pay for your life insurance policy on a monthly basis for as long as the policy is in force – the payments here are usually referred to as premiums. It is critical that you read the...