Posted on: Tuesday, May 15th, 2012 by jcliff

Becoming a parent for the first time is an exciting and usually overwhelming time.  There is so much to think about from the nursery, feeding, baby showers and parenting classes.  But one important aspect that is often overlooked during this busy time is changing life insurance needs.  Before having children many people do not carry life insurance, but bringing a new life into the world that you are completely responsible for may change your outlook.

Life insurance is an important financial tool to help your family in the event of your death.  This becomes even more …

Posted on: Friday, May 11th, 2012 by jcliff

Woman’s Life is a community of women focusing on life insurance products to best suit their needs.  The Woman’s Life National Cause helps women find the quality products they deserve and one such product is called Intuitions 20 Pay Whole Life.

The purpose of the Intuitions 20 Pay Whole Life program is to provide insurance protection with premiums that only last for twenty years.  By paying into this type of whole life insurance policy, it provides coverage that is paid up for life after 20 years of payments.  Even if health deteriorates and becomes a factor, …

Posted on: Thursday, April 19th, 2012 by jcliff

Every six years, LIMRA, a research group focused on the insurance industry, conducts and releases a survey regarding insurance trends in America.  The most recent report detailed several disturbing trends in the life insurance arena, including the fact that life insurance ownership is at a 50 year low, with about a third of U.S. households going without this safety net.  Industry leaders found this to be surprising as prices for policies are cheaper than ever before.  In the Chicago Tribune article, “An inexpensive life insurance policy can avert financial disaster,” by Gregory Karp, LIMRA CEO, …

Posted on: Tuesday, April 10th, 2012 by jcliff

Do you need life insurance if you are single?  This is a very common question among single individuals.  It feels unnecessary to some because no one is directly relying on their income for financial support, but there are some reasons why single people should at least consider a quality life insurance policy.

One of the most common reason single people benefit from life insurance is to have funeral costs covered in the event of their death.  Young people generally are not aware of how expensive a funeral can be, but it can be thousands …

Posted on: Saturday, March 31st, 2012 by jcliff

LifeGoesStrong.com is an NBC affiliated site designed for “mid-lifers,” or those in the 45-65 age group, focused on providing information related to technology, home, work, family, and such, as it relates to its readers.  Recently, they published an interesting article, “Term Life Insurance: Right for You?” that addresses a common question amongst this demographic; do I need life insurance and what type should I purchase? The author received expert advice on this topic from the CEO of Goldman Group, Marvin Goldman, of Little Falls, New Jersey.  Goldman has been a financial advisor for over …

Posted on: Saturday, March 31st, 2012 by jcliff

We are all looking for little ways we can save money, especially during these tough economic times.  Many people are unaware that there are ways to cut costs on insurance products including life insurance.  Julie Bawden-Davis wrote a great article outlining in detail some tips on saving money on life insurance found on the FoxBusiness website.

The article discusses 10 tips for saving on life insurance which include tips such as:

Buy just enough life insurance to meet your needs
Choose term life insurance
Buy as early in your life as possible
Pay attention to your health
Pay your …

Posted on: Wednesday, March 21st, 2012 by jcliff

First time life insurance buyers often feel overwhelmed as they dive into the life insurance world.  Comparing life insurance quotes can be confusing, but by following some some simple tips, new customers can stay on track.  New York Life offers a quick reference guide on their website and advice from a reputable company can never hurt.

First and foremost, understand why you need life insurance.  Who benefits from this policy and does it make sense in this particular point in your life.  Then, sit down and evaluate how much coverage you will really need. …

Posted on: Monday, February 20th, 2012 by jcliff

Life insurance is an important part of your financial plan at every point in life, but the type of policy you carry should be adjusted to match the stage in life you are in at any given time.  Many factors need to be considered when deciding what attributes your life insurance will possess.  Are you single or married?  Do you have children?  Do you have a mortgage?  Do you have any savings?  It’s important to be aware that your life situation will change and your life insurance policy may need to change as well.

Your life …

Posted on: Monday, February 13th, 2012 by jcliff

As Valentine’s Day approaches it’s time to reflect on the truly important gifts we can give our families.  When it comes to showing how much you care about your loved ones, it can be best expressed through protection.  All expressions of love are important, but life insurance is a gift that can be given to your family to show love and offer a serious safety net to keep your family financially sound.  People purchase life insurance because they love their family, and they want to make sure they will be okay if something tragic were …

Posted on: Sunday, January 8th, 2012 by jcliff

Most people will experience financial hardship at some point in their life and when you start to feel the crunch you may start reviewing your monthly bills and begin a cutting back process.  While this is wise in many cases, there are circumstances where you may want to keep paying some bills just to keep your financial strength in tact.

Since each individual has their own unique situation, it’s important to ensure you are consulting with a professional before making any big decisions about your bills.  You may want to think twice about cutting back on …

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