There are many smokers who don’t get term life insurance simply because they believe they aren’t eligible for it. Wrong! Perfect health and a non-smoking status is not a prerequisite to qualify for term life insurance. Doesn’t everyone deserve to make sure their families are financially protected in the case of an untimely death? Continue reading “Just Because You Smoke Doesn’t Mean You Can’t Get Term Life Insurance” »
To those who have lost nearly all of their assets, there is hope. Individuals who have fallen prey to Bernard Madoff-type rip-off schemes and in turn, lost a lifetime of savings, can still provide security to their families through life insurance. LifeQuote™ can help you find the best life insurance quotes, allowing you to begin rebuilding your family’s future.
If we could truly predict the future, it might be smart to purchase as much life insurance as we could get. Life insurance provides the money a family needs for continued security when they need it the most. That is the single most important purpose of life insurance—it provides a new source of cash and income… a financial cushion, if you will, so survivors can continue to live comfortably and financially secure even after the death of the primary income earner.
If you are the main money maker in your household, you are your family’s “MVA: Most Valuable Asset.” Regardless of the unfortunate circumstances of your financial state at this very moment, your legacy of hard work and dedication to your family can live on through a life insurance policy.
Also, finding low-cost term life insurance polices at older ages has never been easier. Considered the most affordable and practical solution, term life insurance premiums are at all-time lows. Get started now on your free term life insurance quotes by visiting www.lifequote.com.
Speak with a LifeQuote™ licensed insurance professional by calling our toll-free number at 1-800-521-7873, or sending us an email at info@lifequote.com.
LifeQuote Holdings, Inc., is a pioneer in online life insurance brokerage. The firm was one of the first to offer consumers free life insurance quotes via telephone in the 1980’s, prior to developing the Internet business model. The executive team is made up of life insurance and retirement plan veterans, as well as media/marketing specialists, and experts in web design, development and search engine optimization. The company CEO is a respected leader in his field and coveted public speaker at national industry meetings. To find out more, please visit www.lifequote.com.
The author of this LifeQuote Blog post is not a licensed life insurance agent or broker.
Good news for entrepreneurs: you can buy hundreds of thousands of dollars of term life insurance protection for much less that you ever thought possible. For those who are self-employed, it is important to insure yourself with term life insurance for the savings you are tapping into, the benefits you may have lost from a former employer, or any outstanding loans you might have. And though you have probably put a lot of thought into buying health insurance or saving for your retirement, it is essential to also get life insurance placed in force so that your family is protected. Leading life insurance broker, LifeQuote can help you find a wide range of affordable life insurance quotes to suit your needs and those of your family.
In fact, life insurance may be even more important when you’re self-employed. As a sole proprietor, you, your family and/or heirs could be responsible for debts and other liabilities even after your death. Your family could be stuck with the debt. Even if your business is incorporated, most lenders want personal guarantees anyway so you still wind up liable for your business debts. That means any losses or financial obligations upon your death become the responsibility of your estate, your family and heirs. LifeQuote, a top insurance broker with over 25 years of proven successes, can help you find a life insurance plan for the self-employed.
So how much life insurance should you purchase? Your financial advisor might tell you that the rule of thumb is five to ten times your annual income, making additional allowances for other specific financial needs. Given the low cost of term life insurance, a couple might want to consider buying a $1,000,000, 20-year level premium policy.
Now how about getting that quote? Visit www.lifequote.com for free life insurance quotes from top-rated companies you know and trust. Our licensed insurance professionals will guide you through the selections. Call today at 1-800-521-7873 or send us an email at info@lifequote.com.
LifeQuote Holdings, Inc., is a pioneer in online life insurance brokerage. The firm was one of the first to offer consumers free life insurance quotes via telephone in the 1980’s, prior to developing the Internet business model. The executive team is made up of life insurance and retirement plan veterans, as well as media/marketing specialists, and experts in web design, development and search engine optimization. The company CEO is a respected leader in his field and coveted public speaker at national industry meetings. To find out more, please visit www.lifequote.com.
The author of this LifeQuote Blog post is not a licensed life insurance agent or broker.
Did you recently lose your job, and in turn, your group term life insurance? You may now be thinking your new job search should take priority, but if you are uninsured, even a short lapse in life insurance is risky. While a job loss is temporary—the death of the family caregiver is not, which is why a life insurance policy is essential. LifeQuote, a leading life insurance broker for over 25 years, offers cost-effective solutions to help meet your life insurance coverage needs during this difficult time.
If a life insurance policy was part of your former job’s benefit package, replacing it with your own individual life insurance policy is simple. You may actually be better off because you can buy much more coverage than the average group plan of just $10,000 – $25,000 for a lot less than you think. In fact, buying low cost term life insurance may actually be less expensive than what you were paying in your employer’s group term life insurance, because group term life insurance is an averaged premium for all ages, and you may be younger than the average age. Hence, your own individual term life insurance policy could cost considerably less.
Term life insurance is easy to understand, inexpensive and provides essential protection for your family—and because it typically doesn’t cost a lot, you can buy larger amounts without having spending a lot of money. Premiums for term life insurance are usually lower than those for permanent life insurance, which means you can receive the coverage you need, and put the much-needed dollar you save into your pocket.
LifeQuote has revolutionized and reinvigorated the life insurance experience through its Smart System™,which finds you the cheapest life insurance quotes from top life insurance companies within minutes—and for free. During this time of uncertainty, there is one thing you can do to give you and your family some peace of mind about the future: protect their financial well being with a life insurance policy.
Take the next step, and contact one of our licensed life insurance agents to help you get started today. Call our toll-free number 1-800-521-7873 or send us an email at info@lifequote.com.
LifeQuote Holdings, Inc., is a pioneer in online life insurance brokerage. The firm was one of the first to offer consumers free life insurance quotes via telephone in the 1980’s, prior to developing the Internet business model. The executive team is made up of life insurance and retirement plan veterans, as well as media/marketing specialists, and experts in web design, development and search engine optimization. The company CEO is a respected leader in his field and coveted public speaker at national industry meetings. To find out more, please visit www.lifequote.com.
The author of this LifeQuote Blog post is not a licensed life insurance agent or broker.
Time for Financial Spring Cleaning
Once the Easter bunny has cleared out, Spring has officially sprung. Pull out the whites and pastels and start clearing out the remnants of Winter. But Spring cleaning should be more than just cleaning out your garage and packing your mittens.
We recommend you clear the financial clutter with an annual Financial spring cleaning– Here is how to do it in five easy steps.
1. Review or Make a Financial/Investment Plan
Financial advisors will tell you that either too much action or no action at all is a bad thing when it comes to investing. Constant changes to your investment account can actually end up costing you more in added fees and expenses. But you also don’t want to take a “set it and forget it” approach, because that can result in an unbalanced account with poor long-term performance. Make a plan for an annual investment review, either using online tools or an analysis done by a financial professional.
2. Set a Weekly and Monthly Budget
This is the perfect time to examine whether you have financial balance in your life. Do your expenses outweigh your income? Build a spreadsheet or review your current one to make sure you are living within your means and not overextending yourself by spending more than you make by using credit cards.
3. Make Cash King
Speaking of credit card debt, our still shaky economy has made cash king in many U-S households. Instead of “charging it,” leave the plastic in your wallet and plunk down cash for things such as groceries, your Starbucks latte, and a trip to the mall. Research shows that people who pay with cash actually spend less and save more.
4. Vow to Save, Save, Save
On the subject of spending less, make 2012 the year of saving more. Start your own piggy bank with a “Rainy Day” savings account that you don’t touch unless it’s an emergency. Vow to build it up to a few thousand dollars and you will sleep better at night.
5. Review Insurance Policies
Are you paying too much in homeowner’s insurance? Take a closer look and see if you might qualify for discounts from your carrier from installing a new burglar alarm, protective windows, or anything that makes your home safer and more secure.
Dust off those old life insurance policies and compare what you’re paying now to new, cheaper policies for term life insurance. Greater competition and longer life expectancies have driven down costs among the major companies and you might qualify for lower rates now, as long as you’re still healthy and don’t smoke. Term life insurance helps you save money because you purchase coverage for a specific length of time, when you think your family will be most vulnerable.
You can also choose to purchase permanent life insurance (whole, universal, variable) if you want to add investments to your life insurance coverage. Those policies will build up cash value and last a lifetime but you will pay more for permanent life insurance.
Finding affordable coverage is as easy as shopping around online to find the best rates that suit your needs. A free, no-obligation quote online can be done in five minutes in a few easy steps. You will be able to compare quotes from among top-rated insurance companies.
Happy Spring Cleaning!
LifeQuote Holdings, Inc., is a pioneer in online life insurance brokerage. The firm was one of the first to offer consumers free life insurance quotes via telephone in the 1980’s, prior to developing the Internet business model. The executive team is made up of life insurance and retirement plan veterans, as well as media/marketing specialists, and experts in web design, development and search engine optimization. The company CEO is a respected leader in his field and coveted public speaker at national industry meetings. To find out more, please visit www.lifequote.com.
The author of this LifeQuote Blog post is not a licensed life insurance agent or broker.
Many people are unaware that one of the best ways to protect your family’s financial future is by purchasing a life insurance policy. This will allow loved ones to continue on after you die without taking on any extra financial burdens by your sudden loss. This is valuable peace of mind, knowing that they will be comfortable even after you are gone.
Doing your research when it comes to buying life insurance can really shed light on any questions you might have. To get the best coverage there are specific areas of your financial life that should be considered. A few of those areas include: Your current budget, your financial needs and wants, and your current expenses.
The truth is the purchase of life insurance is a growing trend. Perhaps it’s the uncertain times we live in today, but more and more people are opting for financial security for their loved ones. One of the common questions is: Do I have enough life insurance coverage? This is difficult to answer, as it changes from situation to situation, but the good news is that it’s easier than ever to find out. Simple do your research online and you will find the guidance you need.
LifeQuote Holdings, Inc., is a pioneer in online life insurance brokerage. The firm was one of the first to offer consumers free life insurance quotes via telephone in the 1980’s, prior to developing the Internet business model. The executive team is made up of life insurance and retirement plan veterans, as well as media/marketing specialists, and experts in web design, development and search engine optimization. The company CEO is a respected leader in his field and coveted public speaker at national industry meetings. To find out more, please visit www.lifequote.com.
The author of this LifeQuote Blog post is not a licensed life insurance agent or broker.
Tip to Save on Your Life Insurance Premiums
We are often asked about ways people can find cheaper life insurance. Obviously, there are many factors that go into this question, but there are a few tips that are proven to help. If there is only one secret that we can provide as to how to save money on life insurance it’s this… do your research.
I know it seems so simple. Like shopping for anything, doing proper research into what you are purchasing is the key to saving money. An added benefit along the way is that by doing research you gain better insight into your needs, which is a close second to doing research. The reason doing comparative shopping for life insurance is crucial is because a life insurance company’s evaluation of your health can vary. This is not to be confused with life insurance prices. Those are set and fairly consistent between all the different life insurance providers. How these companies perceive your health, however, is a different story.
Let’s use some examples. Imagine you used to be a cigarette smoker, but stopped 5 years ago and haven’t touched another since. One insurance company may look at this as little (or lessened) risk because of the time elapsed since you quit. Others companies may still look at this as a big risk and will give you a lower health rating, which means higher costs for you. Of course, the difference between these two insurance providers may mean a large amount of money you are saving every month in premium payments.
LifeQuote Holdings, Inc., is a pioneer in online life insurance brokerage. The firm was one of the first to offer consumers free life insurance quotes via telephone in the 1980’s, prior to developing the Internet business model. The executive team is made up of life insurance and retirement plan veterans, as well as media/marketing specialists, and experts in web design, development and search engine optimization. The company CEO is a respected leader in his field and coveted public speaker at national industry meetings. To find out more, please visit www.lifequote.com.
The author of this LifeQuote Blog post is not a licensed life insurance agent or broker.
Do I really need a life insurance policy?
Obviously, the answer to this question can vary greatly depending on your circumstances. In general the answer is YES. The biggest reason being we simply don’t know what tomorrow is going to bring. A life insurance policy is a way to ensure (financially at least) that your loved ones will be able to maintain what they are used to. Do your homework before buying a policy to identify your exact needs and find a policy that best matches your situation.
Okay, I know I need life insurance, but how much do I need?
This is another answer that can vary from person to person. The worst thing you can do is assume what works for someone else will necessarily be best for you. As far as a rule of thumb, most say you should coverage of about ten times your twelve month salary if you are the primary wage earner in your household. Again, this is just a rule of thumb, and should not substitute your own in depth life insurance research.
Which insurance plan should I buy?
Surprising most people is the number of different life insurance policies that are available to choose from. For most first time life insurance buyers this can be a bit intimidating. Your own research aside, the term life insurance policy seems to fit the needs and budget of most people. The reason is because it is by far the most affordable and easiest to match to ones needs.
LifeQuote Holdings, Inc., is a pioneer in online life insurance brokerage. The firm was one of the first to offer consumers free life insurance quotes via telephone in the 1980’s, prior to developing the Internet business model. The executive team is made up of life insurance and retirement plan veterans, as well as media/marketing specialists, and experts in web design, development and search engine optimization. The company CEO is a respected leader in his field and coveted public speaker at national industry meetings. To find out more, please visit www.lifequote.com.
The author of this LifeQuote Blog post is not a licensed life insurance agent or broker.
For many who are covered under a life insurance policy, the fact that they are married makes selecting a beneficiary an easy choice. If you are single, however, the choice becomes much more complicated, and it is complicated even further when just thinking of the idea of dying makes you and your loved ones uncomfortable. Still, it’s best to put some serious thought into who you would like to select as your life insurance beneficiary. Here are a few things to consider:
1. Select a beneficiary based on the likelihood of a permanent relationship with you.
Many people may select a girlfriend or boyfriend in lieu of a spouse. While at the time this may seem like an excellent decision based on your undying love for one another, be aware that all relationships are subject to change. The same can be said for very close friendships. If you are unmarried, consider choosing a close family member like a parent, sibling, cousin, or child.
2. You may want to consider your potential beneficiary’s needs.
An easy way to select a beneficiary is to also take into consideration your potential inheritor’s needs. For example, perhaps you are very close to a sibling, but this sibling may be beyond financially secure. On the other hand, perhaps a cousin has been struggling to make ends meet for years and years. The benefit would be much greater if this person benefitted from your life insurance policy.
3. Age and health are also important factors.
Of course, a parent may be your closest relative, and one who would most benefit from your life insurance policy. At the same time, however, if they are substantially older than you, and if their health is ailing it may make more sense to select a beneficiary who is more likely to be alive once you pass on.
4. Consider individuals who will tend to expenses incurred upon your death.
The most important factor to consider when choosing a beneficiary is thinking about who has helped you financially throughout your life, and who will help you upon your death. Who will be most likely to take care of your funeral and other arrangements once you pass on? Who has consistently been there for you, financially and otherwise?
5. Remember that you can typically include more than one beneficiary, and you can change your mind at any time.
Of course, if you cannot decide on a single beneficiary, most life insurance companies accept two or more beneficiaries. What’s more you can change your beneficiary at any time. Not all life insurance policies are created equally, so be sure to read the details when selecting a policy.
In the end, selecting a beneficiary is a very personal decision. Just be sure that you’ve given it plenty of thought, and that you’ve discussed the matter with your potential beneficiaries.
This guest post is contributed by Angelita Williams, who writes on the topics of online courses. She welcomes your comments at her email Id: angelita.williams7 (at) gmail.com.
In response to an angry onslaught of consumer inquiries for the last three days, LifeQuote would like to set the record straight. We want to clarify that our firm, LifeQuote Holdings Inc., is not one of the sponsors of the Rush Limbaugh radio program carried on Clear Channel’s Premiere Radio Networks. There has been a clear case of mistaken identity with another life insurance broker with an almost identical name to ours: LifeQuotes (note the S at the end).
The controversy sparked by the conservative radio host’s self-described “insulting word choices” about Georgetown University Law student Sandra Fluke has led to a nationwide boycott of advertisers on the Limbaugh show. The number of advertisers who have at least temporarily suspended ads on the program continues to grow; the latest is AOL.
Activist groups pressured advertisers to end their sponsorship after Mr. Limbaugh called Ms. Fluke a “slut” and “prostitute,” for advocating for expanded access to contraceptives through health insurance plans.
LifeQuote is an online life insurance shopping service pioneer who does not concentrate on mainstream media advertising. We take pride in our personalized customer service, absent of telemarketers, and we plan to keep it that way. We have responded to every single email from upset consumers and will do so as long as this issue continues. We hope this clarifies things and finally sets the record straight.
LifeQuote Holdings, Inc., is a pioneer in online life insurance brokerage. The firm was one of the first to offer consumers free life insurance quotes via telephone in the 1980’s, prior to developing the Internet business model. The executive team is made up of life insurance and retirement plan veterans, as well as media/marketing specialists, and experts in web design, development and search engine optimization. The company CEO is a respected leader in his field and coveted public speaker at national industry meetings. To find out more, please visit www.lifequote.com.
The author of this LifeQuote Blog post is not a licensed life insurance agent or broker.
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