Life Insurance

Life Insurance Policy -How to Find Out if a Deceased Loved One Had a Policy

If someone who held a life insurance policy at the time of their death passes away, their beneficiaries should receive a death benefit from the insurance company. However, the insurer may not be aware of the policy holder’s death, so it is up to the beneficiaries to file a claim. It is even more critical…
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Four Great Reasons to consider Life Insurance

Life Insurance – the 4 reasons Life insurance is a valuable financial tool that can provide peace of mind, financial security, and assist with estate planning. There are several reasons why life insurance is worth considering, including: 1. Financial security for loved ones – Life insurance can provide a nest egg or monthly payments to…
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concept of 4 reasons for life insurance

Diabetes and Life Insurance

Yes, You Can Get Life Insurance If You Have Diabetes Many people who suffer from chronic illnesses such as diabetes may assume that life insurance is unavailable to them, at least not at an affordable price. The reality, however, may be different and they may have more options than they thought. Insurance companies select the…
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diabetes and life insurance glucose meter

Living Benefits as part of your Life Insurance Can Be the Support You Need in a Health Crisis

Living Benefits There are not many ways to get an early payout from a life insurance policy, but you can if you have a rider to your policy that will allow you to take out funds if you end up fighting a serious medical condition. Accelerated benefits, also known as “living benefits,” are life insurance…
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senior citizen in nursing home with living benefits from her life insurance

The Federal Trade Commission (FTC) Funeral Rule – 10 Rights You Should Know

Your Funeral Rule Rights Explained The Funeral Rule, enacted by the Federal Trade Commission (FTC) in 1984, is a federal regulation that protects consumers when making funeral arrangements. It gives consumers the right to choose only the goods and services they want or need, and to pay only for those they select. The FTC Funeral…
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FTC logo for Funeral Rule PDF

Is it ever too late for life insurance?

Life insurance is tremendously useful as we age. It protects against the loss of income and covers bills at the end of life. Life insurance rates do increase with age, but policies can still be found.
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ever too late for life insurance

Largest 5 Factors that can affect Life Insurance Rates for Seniors (Covid-19 was bad)

Top 5 Reasons that affect life insurance rates for seniors are age (recently negatively affected by Covid-19), gender, tobacco use, location, and health. Also discussion of the 3 major categories of final expense whole life insurance
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Top 5 Reasons that affect Life Insurance rates for seniors

What is cheap life insurance for a 56-year-old

Life insurance costs are based on the type of insurance, and the insured's health, habits, age, and location.
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What is cheap life insurance