Category Archives: Insurance Tips

How Does Depression Affect Life Insurance Availability and Premiums?

Health is a huge factor to whether or not someone is able to get life insurance and the cost of the policy’s premium. Generally speaking the better your health the lower your premium will be, but how about emotional health (ie: depression)? Although categorized as a matter of psychological health, depression can have an impact on one’s physical health as well, including acute physical stress which can lead to premature … Read More

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Does Purchasing Term Life Insurance Make Sense For Retirees?

While term life insurance is generally considered to be a type of insurance policy geared towards people who are looking to protect their family’s finances (20/30 years old to 50/60 years old) it may be something for retirees to consider as well. Why? You ask… well let’s take a look at the possibilities a term life insurance policy offers to you in your golden years. If you’re 60 or over … Read More

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10 Life Insurance Terms You Should Know When Purchasing A Policy

Life insurance can be an overwhelming shopping experience first due to its nature of facing the “no one lives forever” fact and secondly because policies have terms that are foreign to first time buyers.  While we hope our memes and videos help you to get past the former issue, that is really internal work that each person must do. For the latter issue we’ve got you covered with 10 life insurance … Read More

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Term Life Insurance: Why Pay for Something You Hope to Never Use

Insurance carries with it an irony that all policy holders know well: we realize it’s essential and yet we hope to never have to use it. So why do we spend money each month on something we hope we’ll never need? Security. Life insurance differs in one area when compared to auto or home insurance. We know when we need and don’t need auto insurance, because we know when we … Read More

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Do You Have a Blind Spot in Your Estate Planning?

A recent study by ACE Private Risk Services found that poor documentation may impact families harshly when it comes to managing tangible assets. The study was conducted by examining the homes of three thousand high net worth families. What they found was that almost fifty percent of the homes evaluated where under-insured. Tangible assets refer to things like jewelry, antiques, fine art and other valuables. And while high net worth … Read More

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