7 - 2 - 2012
We all want to sign on with the best family insurance provider, if for no other reason than to give us the peace of mind that comes from knowing our families will be well cared for financially. But with the knowledge that not every family insurance policy is as good as the next, how can we ensure that peace of mind?
You’ve no doubt already heard this nugget of advice: To determine the quality of a life insurance provider, find out what people are saying about the company. But short of asking the random stranger on the street if they’ve ever had any bad experiences with a particular insurer, what other means do you have at your disposal?
6 - 12 - 2012
Now that you’ve gone through the whole rigmarole of determining exactly how much life insurance you’ll need to cover your family in the event of the unthinkable, it’s time to start narrowing down your choices to determine which family insurance company will give you the best coverage for the least amount of green. Before you lose steam and decide to put off for another day something you probably should have done yesterday, here are a few tips to get you started in determining which family insurance company is right for you.
• Don’t make your decision based on cost of premium. Comparing family insurance quotes can often be like comparing apples to oranges, and if you opt for the life insurance plan that’ll cost you less up front, it’s possible that you might be sacrificing certain coverage you don’t want to do without. Get lots of family insurance quotes, but before you make your decision compare the details of each plan line by line.
5 - 31 - 2012
There’s nothing more sobering than having to face questions about life insurance. Thinking about your own mortality – or that of your family members – isn’t exactly a pleasant way to spend an hour or two. But what can make matters even worse is not knowing what the heck you’re doing when shopping around for insurance estimates. The first question is always: How do I determine how much life insurance I’ll need?
Unfortunately, there’s no simple equation to answer that question. It really depends on several different factors including your age, whether or not you’re married, how many children you have, how old they are if you do, and how much money you earn. Here are the top three things to consider when getting insurance estimates.
5 - 23 - 2012
The increasing number of life insurance companies that are making themselves known to potential customers through social media channels is speaking volumes about the creativity and adaptability of the industry. But what’s even more telling is the far higher number of shoppers showing interest when given the chance to price out a life insurance company via social media, as opposed to contacting them directly or via their websites.
5 - 17 - 2012
Aside from the fear of high premiums, one of the reasons many Americans neglect to enroll for family life insurance policies is the thought of having to take physical health screenings in order to qualify. It seems that to some, the idea of being turned down for family insurance is a thought too painful to consider. But what would you do if you learned that you didn’t have to take a physical exam to qualify?
The fact is, full health screenings are not always required to be approved for a life insurance plan. And in some cases when it is required, the extent of the exam is limited to the taking of blood pressure, a little bit of blood work, and possibly a urine specimen. Whether a person is asked to take a physical exam is based on certain factors, including: