I just heard a story about group term insurance the other day. A man who developed cancer was so sick that he couldn’t return to work. When his job ended, his group life insurance did as well. He died with out life insurance. He thought he had plenty since his employer provided his life insurance.
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I have a colleague who quoted his friend’s parents for life insurance back in 2004. At the time, both were healthy and were looking at $250,000-$500,000 policy for the mother, and $750,000-$1,000,000 policy for the dad.
After a few rounds of going back and forth, they abandoned the idea and decided that they were going to [...]

Want to save some money on your insurance next year? Try these eight tips from Quicken for Dummies author & CPA Stephen L. Nelson.
By following the eight rules explained here, you can save money, and just as important, you can save yourself from making serious mistakes when you shop for and acquire insurance policies.
<b>Rule 1: [...]

A life insurance broker is a dedicated person that encourages and listens to the needs and wants of a person looking for life insurance. It doesn’t matter what type of life insurance you are looking for, Whole life, Universal Life, or Term life. A broker will be able to find suitable rates for you to [...]

In Life Insurance Selling Magazine, (June 2009) Byron Udell wrote something that I liked. He is explaining to a client how R.O.P. works. Here is how he explains it. ”Mr. Client, here’s how it works. You set up an account and put $1,000 per year in it. The insurance company also sets up an account [...]

Most people take it for granted that they are able to wake up each day and earn an income to support themselves and their families.  The ability to be independent in this regard is one of your most valuable assets. Your ability to create income or generate income is your most valuable asset.  During this [...]

Today we are happy healthy individuals. We are able to perform necessary tasks in our daily activities without any extra help. Life would be great if we were guaranteed to continue to live healthy lives for years to come. But the future is unpredictable and we never know what ailment might strike us and change [...]

Life Insurance isn’t for the people who die. It’s for the people who live.
I recently found out that my colleague’s friend was diagnosed with Cancer. He is 48 and has three very young children. He makes about $125,000 per year. His wife is a stay at home mom. A few years ago he was quoted [...]