Category Archives: Life Insurance

Term Life Insurance Without Medical Exam: Yay or Nay?

When buying term life insurance, you may be faced with the option of a policy that doesn’t require you to take a medical exam. While that may sound appealing, how do you know if this is really a good option for you? Let’s start with the basics: The reason that many life insurance policies, term or permanent, require a medical exam is simple: the insurer wants to assess your life … Read More

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How Long Should A Term Life Insurance Policy Last?

It’s no secret that term life insurance is a much more affordable option than permanent life insurance. But once you’ve made the decision to purchase term life insurance, your next question will probably be:  How long should my policy be?  Policies can range from 1 to 30 years, so how should you decide the length of time for which you need protection? Here are 3 factors for you to consider: … Read More

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Several Celebrities Failed at Estate Planning: How to Learn From Their Mistakes

Celebrities are set on a pedestal in our culture. We think they are prime examples of how to live, simply because they are talented and appear often in the media. Yet, countless rich celebrities did not prioritize something that should have been obvious to them: estate planning. And then it was too late.  As a consequence, fighting ensued among the beneficiaries. This month, insurance industry magazine Insurance News Net published … Read More

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Life Insurance Considerations to Make When Getting a Divorce

Even in the most civil cases, divorce is tough. From the emotional aspects to reassessing your finances, it can be quite a strain! While we hope that your marriage is long and happy, we also know that statistically half of marriages end in divorce, and we want to help you sort out the issues that arise around this sensitive, but important topic. You may think that taking a spouse off … Read More

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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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