EINSURANCE – Life


The latest articles and news from EINSURANCE – Life

  • What’s Your Excuse? Why People Avoid Life Insurance and Why They Shouldn’t June 21, 2017 12:00 am
    Life insurance has proven to be a wise purchase for many, but there are still holdouts who decide it’s not for them. If you’re one of those who feel they just don’t need it, think again. Here are some of the reasons people don&rs...
    EINSURANCE Life Insurance
  • Can Your Life Insurance Policy Be Cancelled? May 17, 2017 12:00 am
    A lot of Americans purchase life insurance, and they rarely decide to cancel their policies. Termination is possible, although only 4.4% of individual policies were voluntarily cancelled in 2015. While it makes sense to hold onto your policy, ther...
    EINSURANCE Life Insurance
  • Avoid These Mistakes When Naming Life Insurance Beneficiaries April 17, 2017 12:00 am
    Who are you going to name as your life insurance policy beneficiary? You have many options. Your beneficiary could be a son or daughter, your spouse, a trustee or organization. The point is to make sure your assets go where you want them to. But a...
    EINSURANCE Life Insurance
  • Selling Your Life Insurance Policy: How Life Settlement Works February 14, 2017 12:00 am
    There may come a day when you really don’t need or want that life insurance policy you’ve been paying for. Maybe your spouse has passed away and your grown children don’t need to be taken care of. Could be you need cash or you si...
    EINSURANCE Life Insurance
  • EINSURANCE’s Top 10 Articles of All-Time January 24, 2017 12:00 am
    We have been posting articles for over 20 years to ensure you, our customers, are informed when buying insurance. Our commitment has been, and will always be, to keep you up-to-date on coverage options, policy terms, and all you need to know about...
    EINSURANCE Life Insurance
  • The Top 5 States Where People Live Longer January 24, 2017 12:00 am
    Exercise, eating right and access health care have a positive influence on life expectancy in the United States, and richer Americans live longer, on average, than poorer people. While other developed nations have longer life expectancies (the U.S...
    EINSURANCE Life Insurance
  • Live Long and Prosper: Tips for Longer Life December 9, 2016 12:00 am
    For the most part, life is good in first world countries and, notably, the average life expectancy continues to improve. While life expectancy at birth, on average, is about 73.5 years for women and 68.5 for men, many people live well into their 8...
    EINSURANCE Life Insurance
  • Life Insurance and the Millennial Generation November 22, 2016 12:00 am
    When you are young and healthy, you can feel invincible. Which could be one of the reasons why among millennials, ages 18 to 34, only 20 percent surveyed believed they will probably buy life insurance at some point. But, you might ask, why would y...
    EINSURANCE Life Insurance
  • Things Change: When to Update Your Life Insurance September 28, 2016 12:00 am
    Life happens. Does that life insurance policy you bought a while back still fit? When your life changes, your insurance might need to as well. In fact, reviewing your policy every year or two can ensure peace of mind that you’re up-to-date....
    EINSURANCE Life Insurance
  • Life Insurance for Men vs. Women July 19, 2016 12:00 am
    Women may pay more for certain kinds of products and services, but not for life insurance policies. Generally, men pay more for a life insurance policy. Looking at averages, monthly premiums for women can be $20 less per month for a 10-year, $...
    EINSURANCE Life Insurance
  • What’s the Difference: Term, Whole and Universal Life Insurance May 20, 2016 12:00 am
    Fundamentally, death benefits are for the living. We purchase life insurance so that, upon our death, funds will go to our beneficiaries. Whether we want to ensure that our final expenses will be covered or that our loved ones are left with a siza...
    EINSURANCE Life Insurance
  • How Your Job Affects Your Life Insurance Premiums March 15, 2016 12:00 am
    You’re in good health, you don’t smoke, you’re not a heavy drinker—you’d think that your life insurance premiums would be low. But carriers look at a lot of variables, including your occupation. Some jobs come with a...
    EINSURANCE Life Insurance
  • Who Will You Name as Your Life Insurance Beneficiary? February 29, 2016 12:00 am
    When purchasing a life insurance policy, the biggest consideration you’ll have is who to name as your beneficiaries. There are a lot of scenarios to think about. Should the benefit go to a family member who will need it the most? If you name...
    EINSURANCE Life Insurance
  • Will You Pay More for Life Insurance If You Smoke E-Cigarettes or Marijuana? September 22, 2015 12:00 am
    Whether you smoke it or chew it, if you use tobacco products, you can expect to pay significantly more for life insurance. That’s because there’s decades of evidence tying tobacco use to disease and early death. However, what if you va...
    EINSURANCE Life Insurance
  • IS YOUR JOB KILLING YOU? September 1, 2015 12:00 am
    We’ve all said it from time to time: “this job is killing me!” Well, depending on what you do, you could be closer to the truth than you know. If you’re employed in one of these statistically lethal occupations, you might w...
    EINSURANCE Life Insurance
  • Marijuana and Life Insurance July 16, 2015 12:00 am
    It should come as a shock to nobody that life insurance companies penalize smokers with higher premiums or even outright refusal to issue a policy. But now that more than 20 states now allow marijuana use for medicinal purposes and voters in four...
    EINSURANCE Life Insurance
  • Life Insurance Provides Peace of Mind for College Loan Cosigners June 22, 2015 12:00 am
    No parent wants to think about losing a child, but sometimes the unthinkable happens. When that child is a college student with a loan you cosigned, along with the grief you’ll suffer, you could also be saddled with crushing debt. A simple l...
    EINSURANCE Life Insurance
  • Life Settlements - Smart Strategy or Risky Business? May 6, 2015 12:00 am
    Maybe you’ve heard the TV or radio ads offering to buy your life insurance policy and wondered what that was all about. The industry term for such a transaction is a life settlement. Simply put, a life settlement is the sale of your existing life...
    EINSURANCE Life Insurance
  • The Right Way to Pick Your Life Insurance Beneficiary April 15, 2015 12:00 am
    The biggest reason to buy life insurance is because you want to do the right thing and leave those who depend on your protected instead of burdened with crushing financial debt. So naming a beneficiary for your life insurance policy is one of the bigge...
    EINSURANCE Life Insurance
  • Why You Haven’t Bought Life Insurance Yet March 11, 2015 12:00 am
    Unlike car insurance and health insurance, there is no legal requirement to buy a life insurance policy. And given that you have a lot of other things to spend your money on, you’re probably in no hurry to rush out there and commit to monthl...
    EINSURANCE Life Insurance
  • Finding the Money to Fund Your Life Insurance Policy February 19, 2015 12:00 am
    Let’s say you got married recently or started a family. Now that there are others who depend on your income, maybe you’re feeling a little guilty about not having life insurance. You know that the younger and healthier you are when you buy,...
    EINSURANCE Life Insurance
  • Live Long & Prosper in the New Year: Tips to Increase Longevity January 26, 2015 12:00 am
    Life expectancy is the number one factor life insurance companies use to determine premiums. The better your outlook, the less you’ll probably pay for a life insurance policy. In figuring out life expectancy, several things are taken into conside...
    EINSURANCE Life Insurance
  • Employer-Provided Group Life Insurance Basics November 26, 2014 12:00 am
    The lives of over 62% of Americans are insured by employer-provided policies.[1] Typically employers provide term coverage, meaning it provides protection for a specific period of time, has no cash value and only pays benefits if the insured dies durin...
    EINSURANCE Life Insurance
  • Why Gens X and Y Don’t Buy Life Insurance September 10, 2014 12:00 am
    If pressed to make a list of the 100 things we want to buy, most of us would rank life insurance around 135. In other words, it wouldn’t even make the list. Let’s face it -- something that forces you to think about your own mortality e...
    EINSURANCE Life Insurance
  • Do Electronic Cigarette Users Pay More for Life Insurance? August 27, 2014 12:00 am
    You can’t argue with the facts. Fact #1:  tobacco use is dangerous to your health. The Centers for Disease Control call tobacco use the single largest preventable cause of death and disease in the US.CDC claims cigarette smoking is responsib...
    EINSURANCE Life Insurance
  • Is Your Life Worth Insuring? August 6, 2014 12:00 am
    Is your life worth insuring? You undoubtedly think so, but from a life insurance underwriter’s point of view, the answer could be a big fat NO! Understanding how life insurers determine whether or not to insure you and at what rating can be...
    EINSURANCE Life Insurance
  • What States Are the Most Dangerous To Live In? July 3, 2014 12:00 am
    For those of you with a bit of morbid curiosity, we here at EINSURANCE have taken a look at the latest National Vital Statistic Report numbers and come up with a list of the deadliest states, and the safest for the glass-half-full types. Death is somet...
    EINSURANCE Life Insurance
  • How Much Does Life Insurance Really Cost? A Helpful Guide for Young Professionals June 30, 2014 12:00 am
    At what point do we need life insurance? As a young adult settling down into a home, a career, a relationship and an uncomfortable amount of post-graduation debt, I asked myself this question. It is easy to put off life insurance until you start f...
    EINSURANCE Life Insurance
  • Term Life, Whole Life—Do You Need Multiple Life Insurance Policies? June 11, 2014 12:00 am
    When Should You Carry Multiple Policies? Up until the late 1970s, you could buy life insurance policies from kiosks at airports. You were essentially buying a term life policy that lasted as long as your trip. Whether you already had life insu...
    EINSURANCE Life Insurance
  • Tax on Life Insurance Payout? Is Life Insurance Tax Deductible? Know the Rules March 26, 2014 12:00 am
    Tax on Life Insurance Payout? Is Life Insurance Tax Deductible? Know the Rules When Filing This Tax Season Life insurance is a personal financial tool primarily designed to benefit your survivors in the event of your untimely death, or depending on t...
    EINSURANCE Life Insurance
  • Looking for Term Life Insurance? 10 Things to Consider When Buying March 12, 2014 12:00 am
    What is a term life insurance policy? Unlike whole or permanent life insurance, term life only provides death benefits for a specific length of time, making term life generally less expensive. A term life policy covers you during your prime earning ye...
    EINSURANCE Life Insurance
  • Consumer Debt is on the Rise: Time to Review Your Life Insurance? October 9, 2013 12:00 am
      Life insuranceawareness month came to a close in September, but now is no time to start forgetting about the need for life insurance. 95 Million Americans are going without any life insurance coverage; that is an astounding 41% of the a...
    EINSURANCE Life Insurance
  • Scientist Discover Some People Don’t Need life Insurance! September 27, 2013 12:00 am
    Scientist Discover Some People Don’t Need life Insurance! If you are one of those people without any life insurance and have been feeling bad about it, relax. You may have been doing the right thing all along. Recently, scientists a...
    EINSURANCE Life Insurance
  • Term Life for the College Graduate May 2, 2013 12:00 am
    As I finish up my bachelor’s degree I find I have more concerns than I can count, as does every other classmate I know. Do I want to continue my education? Where will I be working? Where will I live? How much should I start investing?  ...
    EINSURANCE Life Insurance
  • Predictive Modeling and Your Insurance Premiums June 20, 2012 12:00 am
    Predictive modeling is a analytic process that uses data mined from a variety of sources to create a statistical model of future behavior. Increasingly, it’s being used in the insurance industry to decide what to charge you for almost every kind...
    EINSURANCE Life Insurance
  • Fast Facts About Insurance Policy Backdating May 14, 2012 12:00 am
    Backdating, by definition, is the practice of putting a calendar date on any document that is earlier than the date on which that document was actually written. In some instances, it’s perfectly legal. In other instances, it’s not. Let&rsqu...
    EINSURANCE Life Insurance
  • Is Decreasing Term Insurance a Bargain? May 4, 2012 12:00 am
    Decreasing term insurance is one of the cheapest life insurance policies out there. The premiums on the renewable policy remain the same throughout the term of coverage, but the death benefit paid decreases inmonthly, quarterly or annual incremen...
    EINSURANCE Life Insurance
  • Do Life Insurance Benefits Expire? April 30, 2012 12:00 am
    In Part I, Unclaimed Life Insurance Benefits, we explained how to find out if someone has left you money in a life insurance policy and, if so, how to claim it. Now let’s talk about the shelf-life of death benefits. Let’s say your Uncle...
    EINSURANCE Life Insurance
  • Unclaimed Life Insurance Benefits April 27, 2012 12:00 am
    Just this week, the nation’s largest life insurer agreed to pay $40 million to settle a multistate probe regarding the way the company has handled the distribution of death benefit. The outcome could result in over $400 million in payments to ben...
    EINSURANCE Life Insurance
  • Who Buys Life Insurance and Why April 19, 2012 12:00 am
    Life insurance sales are going up. Maybe not as fast as gas prices, but industry analysts are seeing what appears to be an upward trend. According to LIMRA (the Life Insurance and Market Research Association),insurance companies issued 2% more in...
    EINSURANCE Life Insurance
  • Insurance Tips for New Parents March 14, 2012 12:00 am
    Congratulations! Whether it’s a boy, a girl or just a plus sign on an EPT right now, having a baby is cause for celebration. It’s also a good time to give some thought to your insurance. We know, that’s not nearly as fun as picking ou...
    EINSURANCE Life Insurance
  • Life Insurance for the Seriously Ill February 10, 2012 12:00 am
    If your death would leave someone who depends on you burdened with debt, life insurance is a responsible purchase. And, it’s fairly cheap and easy to come by when you’re young and healthy. But what if you’ve putit off and now fi...
    EINSURANCE Life Insurance
  • What Does an Insurance Agent Do? February 8, 2012 12:00 am
    Shopping for insurance quotes and buying insurance online is so simple, you might wonder why you would ever need an insurance agent. After all, when you shop for insurance online, you can compare lots of policies quickly in your PJs at 2 a.m. We’...
    EINSURANCE Life Insurance
  • Understanding Insurance Underwriting February 6, 2012 12:00 am
    Maybe you’ve heard the term underwriting, but what exactly is underwriting and what do insurance underwriters do? They’re a critical step in determining both your insurability and the premiums you pay ifa policy is issued. Here are th...
    EINSURANCE Life Insurance
  • The Best Time to Buy Life Insurance is ASAP December 27, 2011 12:00 am
    If you’re reading this you survived another Christmas. Congratulations! But, statistically speaking, you may not be out of the holiday mortality-risk woods just yet. Researchers at the University of California atSan Diego did a comprehensiv...
    EINSURANCE Life Insurance
  • What Happens When You Lie on an Insurance Application December 21, 2011 12:00 am
    Honesty is the best policy. Cheaters never prosper. It’s a sin to tell a lie. You’ve heard all the clichés but sometimes it takes knowing how easily you can be found out and the consequences of fibbing to hammer home the point. So, t...
    EINSURANCE Life Insurance
  • Insurance Provides Economic Safety Nets October 31, 2011 12:00 am
    Think you’re going to have to work till you drop. You’re not alone. One in five American workers now believe they will never be able to retire. That’s among the bleak findings from an annual survey of 1,499 adults ages 18 to 66, repre...
    EINSURANCE Life Insurance
  • September is Life Insurance Awareness Month September 12, 2011 12:00 am
    Life insurance doesn’t have a designated colored ribbon or rubber wrist band, but it does have its own month. September, we are reminded by the National Association of Insurance and Financial Advisors(NAIFA), is life insurance awareness mon...
    EINSURANCE Life Insurance
  • Are You Insurance Worthy? August 29, 2011 12:00 am
    When you apply for a loan for a home, a car or a personal line of credit, the lender contacts a credit reporting agency to check your credit-worthiness. But did you know that the insurance industry has a similarprocess to help them determine your...
    EINSURANCE Life Insurance
  • Organize Your Insurance Policies and Your Life with Online File Storage June 20, 2011 12:00 am
    Spring was a little late in coming to many parts of the country this year. When it did show up, it often wreaked havoc. So if you haven’t done your spring cleaning yet, you get a pass and a second chance toget organized.  Start wit...
    EINSURANCE Life Insurance
  • Store and Access Insurance Policies in an Online Safe Deposit Box June 15, 2011 12:00 am
    Good for you! You  applied for competitive health insurance quotes and car insurance quotes at http://www.einsurance.com. You secured a health insurance policy and auto insurance policy that fit your needs and budget. You patted yourself on the back...
    EINSURANCE Life Insurance
  • Mail-Order Life Insurance Facts April 12, 2011 12:00 am
    They’re everywhere. Ads for cheap term life insurance fall out of magazines and newspapers, pop up every 3 minutes in late-night commercials and cram your mail box. The offers typically promise cheap term life insurance monthly premiums, no medic...
    EINSURANCE Life Insurance
  • Life Insurance Trends for 2011 and Beyond March 4, 2011 12:00 am
    A study released early in 2010 by LIMRA, a trade group for insurance and financial services companies, reported that ownership of individual life insurance policies in the US had hit a 50-year low. Fast forward to 2011 and the downward trend seems to b...
    EINSURANCE Life Insurance
  • Are Insurance Benefits Taxable? February 14, 2011 12:00 am
    Tick. Tick. Tick. April 15 is coming. About 1% of the population is audited every year, but in an effort to bolster revenues, the IRS is reportedly ramping up their scrutiny. One of the red flags is unreported income. Is the inheritance you got from yo...
    EINSURANCE Life Insurance
  • Are Insurance Settlements Taxable Income? February 14, 2011 12:00 am
    Uncle Sam wants you to declare every single penny of taxable income. Failure to do so may result in an audit (which makes root canal without anesthesiology seem like a picnic) and hefty fines. But what exactly is taxable income? The courts have defined...
    EINSURANCE Life Insurance
  • Combo Life with Accelerated Benefits Offer Affordable Alternative for Long Term Care Insurance February 10, 2011 12:00 am
    As our nation’s population ages, many people are shopping for long term care insurance quotes, only to encounter pricey policies and increasingly stringent underwriting standards. To satisfy the growing demand for affordable long term care insura...
    EINSURANCE Life Insurance
  • How to Maximize Your Insurance Tax Deductions for 2010 January 24, 2011 12:00 am
    The tax man cometh and he’s headed for your wallet. Itemize your tax return and take full advantage of all legitimate income tax deductions that you’re entitled to in 2010, including insurance deductions. Deductions help lower your gross ta...
    EINSURANCE Life Insurance
  • Key Man Life Insurance and Tax Deductions January 24, 2011 12:00 am
    The recent news about the health of Apple, Inc.’s visionary founder and CEO Steve Jobs should be food for considerable thought for even the smallest company. Apple no doubt has well-crafted plans in place to protect the company’s value in a...
    EINSURANCE Life Insurance
  • Decreasing Term Life: What The Insurance Industry Doesn't Want You To Know November 12, 2010 12:00 am
    Ask your insurance agent to explain the difference between various kinds of life insurance. He will tell you that there really are two kinds: temporary and permanent. Term insurance, he will explain, is the temporary kind, and is best suite...
    EINSURANCE Life Insurance
  • Making More Informed Choices for the New Year - Consider Your Auto, Home, Health and Life Insurance November 11, 2010 12:00 am
    You have insurance, so you're all set if something were to go wrong, right?  Well, maybe not.  Just because you have insurance, does not mean that you have the kinds of coverage that you need or high enough limits to adequately protect you...
    EINSURANCE Life Insurance
  • How to File a Life Insurance Claim and Other Things a Beneficiary Needs to Do November 9, 2010 12:00 am
    Nobody likes to think about death, but if your spouse or parent has named you as the primary beneficiary on a life insurance policy, there are some things you SHOULD think about before your loved one dies. Having a clear plan and a check...
    EINSURANCE Life Insurance
  • Are Life Insurance Companies Screening Your Behavior? November 1, 2010 12:00 am
    Is it possible that an analysis of your collective data profile could label you as a poor risk or a desirable candidate for a life insurance policy? Not only possible, but happening now, according to an article published November 19, 2010 in the Wall S...
    EINSURANCE Life Insurance
  • Insurance 101: What Is It, And Why Should I Care? October 29, 2010 12:00 am
    From crossing the street, to purchasing a new home, to traveling on an airplane, we all face risks daily. We've found ways of avoiding or minimizing certain risks, but it isn't possible to avoid them all. Some risks are trivial, like feeding and burpin...
    EINSURANCE Life Insurance
  • Insurance Considerations For Domestic Partners October 29, 2010 12:00 am
    Domestic partners are couples who form a union, who desire to share an exclusive life together, and are of the same sex. A recent Supreme Court ruling overturned a Texas state ruling that prevented domestic partners from being recognized as "legal...
    EINSURANCE Life Insurance
  • Life Insurance: Rent Or Own? October 29, 2010 12:00 am
    Once the importance of life insurance is recognized and the search is started for a suitable policy, one of the first choices the prospective buyer commonly faces is whether to purchase Term or Whole Life insurance. While the distinction between these...
    EINSURANCE Life Insurance
  • Why You Shouldn’t Cancel Your Life Insurance September 10, 2010 12:00 am
    Unless you’ve had rose-colored glassed surgically installed on your eyeballs, you’ve noticed that the economy is not good. The summer of recovery was pretty much a fizzle and unemployment remains at 9.5%.  If you still have a job (luck...
    EINSURANCE Life Insurance
  • Is Indexed Universal Life Insurance for You? August 30, 2010 12:00 am
    As trendy products go indexed universal life insurance isn’t exactly on a par with organic food or man caves, but it was recently touted in the Wall Street Journal as “this year’s hottest life-insurance product.” The June 5, 201...
    EINSURANCE Life Insurance
  • Life Insurance Benefits and Tax Liabilities July 23, 2010 12:00 am
    There are different types of life insurance and different kinds of tax liabilities for the various payouts on benefits. Understanding your options will help you choose the right life insurance for your specific situation. Use this information as a basi...
    EINSURANCE Life Insurance
  • Beware of Stranger-Owned Life Insurance Scams July 9, 2010 12:00 am
    In a scene reminiscent of Arsenic and Old Lace, a couple of little old ladies in California were convicted in 2008 of murdering homeless men after taking out $2.8 million in life insurance on them.  While you’d never commit murder, you may h...
    EINSURANCE Life Insurance
  • What Are the Odds? May 10, 2010 12:00 am
    EINSURANCE Life Insurance
  • Is Whole Life Insurance a Good Investment? March 26, 2010 12:00 am
    Good is a relative term, but given recent market volatility, the melt-down of 401Ks and the down-right miserable performance of interest-bearing accounts, some people are rethinking whole life insurance as a more secure place to park their money. A r...
    EINSURANCE Life Insurance
  • These Changes to Your Business Can Affect Your Life Insurance February 16, 2010 12:00 am
    If you’re a small business owner, there are probably a lot of people depending on your continued success – from your family to your employees, partners, investors and creditors. The best way to protect everyone’s interests, includi...
    EINSURANCE Life Insurance
  • Life Events That Effect Your Life Insurance Coverage February 12, 2010 12:00 am
    You might think that a life insurance policy is something you purchase and tuck away in a drawer or safe deposit box until it matures or your beneficiaries need it. That would be a very big mistake. Throughout your life, there will be many events th...
    EINSURANCE Life Insurance
  • Common Insurance Mistakes People Make February 9, 2010 12:00 am
    Money too tight and time is too precious to waste either.  Avoid these common insurance mistakes people make and you might save a little of both. Never ever lie on an application. Lying includes failing to disclose requested i...
    EINSURANCE Life Insurance
  • What Kind of Insurance is Tax Deductible? February 9, 2010 12:00 am
    About this time of year, you’re digging through drawers, pants pockets, purses and maybe even a file folder or two looking for receipts so you can maximize your federal income tax deductions. You may also be wondering if any of your insurance...
    EINSURANCE Life Insurance
  • Are Life Insurance Benefits Taxable? February 4, 2010 12:00 am
    Taxes are complicated…so complicated that IRS Commissioner Douglas Shulman recently disclosed he hires somebody because he finds doing his own returns too complex. He’s not alone. The vast majority of Americans (Shulman says 80%) now re...
    EINSURANCE Life Insurance
  • Is Return on Premium Term Life Insurance Right for You? February 2, 2010 12:00 am
    For most people, in most situations, term life insurance versus whole life insurance is a better choice and a better value. It provides financial security for your beneficiaries in the event you die during the term of the policy. But term life insura...
    EINSURANCE Life Insurance
  • How to Check a Life Insurance Company’s Financial Rating January 29, 2010 12:00 am
    Whether you’re considering whole life insurance or term life insurance, you’re looking at a commitment of anywhere from 10 to 30 years. And, since you’re probably buying life insurance to provide financial security for your spouse...
    EINSURANCE Life Insurance
  • Life Insurance with No Medical Exam January 28, 2010 12:00 am
    Before they’ll insure your life, most insurance carriers want to know whether you have any medical conditions or lifestyle behaviors that statistics say will shorten your life and increase the odds they’ll have to pay a death benefit soo...
    EINSURANCE Life Insurance
  • Whole Life Insurance vs. Term Life Insurance January 26, 2010 12:00 am
    Which is better: whole life insurance or term life insurance? Like many of life’s pressing questions, the answer is, it depends.  To make the decision a bit simpler, let’s first level the playing field by agreeing that neither one i...
    EINSURANCE Life Insurance
  • Facts about Guaranteed Life Insurance January 22, 2010 12:00 am
    EINSURANCE Life Insurance
  • Types of Term Life Insurance January 22, 2010 12:00 am
    Dollar for dollar, term life insurance is a great value with highly competitive offerings, so it pays to shop around.  Depending on the carrier, there are even types of term life with no medical exam.  When looking for term life insurance...
    EINSURANCE Life Insurance
  • What To Expect at Your Term Life Insurance Medical Exam January 12, 2010 12:00 am
    Thinking about getting term life insurance? Good move. If you have a family or own a business, term life insurance is a relatively inexpensive way to provide for your beneficiaries in the event of your death. But be aware that, unlike group life insura...
    EINSURANCE Life Insurance
  • How to Get Life Insurance if You’re Sick or Unhealthy January 7, 2010 12:00 am
    Like Monday morning quarterbacking, it’s easy to see that you should have bought life insurance when you were young and healthy instead of waiting till you’re pushing 50 or racking up health problems. If you suddenly find yourself among...
    EINSURANCE Life Insurance
  • Whole Life Insurance. How Much Do You Need? October 28, 2009 12:00 am
    It’s called whole life insurance because, as long as you keep current on your premiums, it covers you for your whole life. Contrast that to term life insurance, which only provides coverage for the period (or term) specified in your policy. Both...
    EINSURANCE Life Insurance
  • What You Need to Know About Divorce and Life Insurance October 9, 2009 12:00 am
    Maybe you vowed till death do us part, but you’d do well to consider what happens to your life insurance policy in the event of a divorce. If it’s a term policy, maybe you can convince your soon-to-be...
    EINSURANCE Life Insurance
  • Insurance and Divorce: Who Keeps the Health Insurance Coverage? October 7, 2009 12:00 am
    When your marriage is going down the tubes, insurance may not be your biggest concern, but it should be, especially if you’ve been covered by your spouse’s employer-provided health insurance. Once you’re legally separated or divorced,...
    EINSURANCE Life Insurance
  • Variable Life Insurance – Another Permanent Policy Option September 11, 2009 12:00 am
    As they used to say famously on the Rocky & Bullwinkle Show, “and now for something completely different” – variable life insurance. Along with whole life and its hybrid variable universal life, variable life is one of the three types of per...
    EINSURANCE Life Insurance
  • When To Buy Whole Life Insurance: Some Surprising Answers September 9, 2009 12:00 am
    If you’re looking for cheap life insurance, whole life insurance probably isn’t your best bet. During the first several years your whole life (also called permanent life) insurance policy is in effect, your premiums are going to be significantly...
    EINSURANCE Life Insurance
  • Key Executive Insurance August 25, 2009 12:00 am
    There’s a good reason why Apple kept a tight lid on Steve Jobs’ recent illness. Jobs is the quintessential key man and critical to the company’s profitability. While it would be impossible to replace him, key executive insurance or key person insurance...
    EINSURANCE Life Insurance
  • E-Insure.com Free Insurance Quotes Online - eInsurance Insurance Products August 20, 2009 12:00 am
    When looking for insurance quotes separately for your vehicles, home, business, health and life insurance, you could go online. But you probably have better things to do than spend hour upon hour trying to evaluate and compare multiple quotes from comp...
    EINSURANCE Life Insurance
  • Life Insurance for Senior Adults – An Affordable Safeguard in Today’s Economy August 13, 2009 12:00 am
    In a perfect world, everybody would have ample money set aside for retirement, the house would be paid for, the kids would be financially secure and we’d never have economic recessions that wipe out people life savings. But as the current situation has...
    EINSURANCE Life Insurance
  • Life Insurance – Not Only You Need It – Consider Purchasing Life Insurance For Your Spouse August 6, 2009 12:00 am
    So you’ve thought about it and decided that it’s a good idea to protect your family by buying life insurance for yourself. That’s great, but don’t stop there. You and your spouse should consider also purchasing life insurance for your spouse....
    EINSURANCE Life Insurance
  • Life Insurance – How Much Do I Need? August 5, 2009 12:00 am
    The purpose behind life insurance is not for your family to receive a windfall in the event of your death. Rather, the purpose of life insurance is so that your family is not devastated financially at the same time as being devastated emotionally by i...
    EINSURANCE Life Insurance
  • Life Insurance – Do I Need It? August 4, 2009 12:00 am
    Life insurance isn’t the most pleasant topic, so many of us put off thinking about it. But, purchasing life insurance shouldn’t be delayed – it is an important decision because it insures your family’s future. Everyone should consider purchasi...
    EINSURANCE Life Insurance
  • Life Insurance Part 3 - Will You Outlive Your Life Insurance Company? July 16, 2009 12:00 am
    In today’s volatile economic climate, with once-blue chip giants across all industries tanking, it’s reasonable to question the financial health and potential longevity of any company before you sign on the dotted line. When the contract in question is...
    EINSURANCE Life Insurance
  • Life Insurance Part 2 - What Kind of Life Insurance Should You Get? July 15, 2009 12:00 am
    Unless you’re independently wealthy, people who depend on you would suffer financially if you were to die. That’s why they invented life insurance. You’re going to have to make a few basic decisions before you start shopping for life insurance quotes....
    EINSURANCE Life Insurance
  • Life Insurance Part 1 - Who Needs Life Insurance July 14, 2009 12:00 am
    Before you go looking for life insurance quotes, ask yourself a fundamental question: do you really need life insurance? Not everyone does. If you have nobody who is financially dependent on you or who would be financially worse off when you die, you p...
    EINSURANCE Life Insurance
  • Getting Married? Recently Married? Time To Think About Insurance! June 4, 2009 12:00 am
    So, you’ve decide to marry the man or woman of your dreams – congratulations! Enjoy this exciting time in your life. You will be able to enjoy your new life together that much more if you make sure your future together is protected. That means it is ti...
    EINSURANCE Life Insurance
  • Why You Need To Search For Insurance Quotes And Purchase Insurance Now June 4, 2009 12:00 am
    Insurance protects against accidents that you are not aware of at the time you purchase the policy. If there has already been a loss – there has been an auto accident, someone slipped and injured himself or herself on your property, there was a fire or...
    EINSURANCE Life Insurance