Posted on: Thursday, December 1st, 2011 by jcliff

Life insurance comes in a variety of options.  There’s whole, term, and universal life insurance policies, just to name a few.  You may be asking yourself if it’s a good idea to combine types of life insurance to ensure full coverage.  While combining life insurance policies isn’t necessary, it could end up being the right choice for certain individuals.

State Farm Life Insurance offers a variety of life insurance products that can be combined.  You can get various prices through a State Farm Life Insurance quote online.  But do you really need to have multiple …

Posted on: Saturday, November 12th, 2011 by jcliff

Choosing a life insurance policy can be stressful, especially if you think you are locked in to a certain policy forever.  The good news is that you can convert your term life to a permanent life policy giving you more flexibility.  If you try to get a State Farm life insurance quote, you may stumble across their life insurance informational page which shares some benefits of switching your policy if you wish to do so.

State Farm mentions four major benefits to converting to a permanent life insurance policy.  One thing is that a permanent …

Posted on: Sunday, October 23rd, 2011 by jcliff

A dangerous lifestyle may put you at higher risk of dying before your time, but this doesn’t mean you can’t obtain a quality life insurance policy.  High risk life insurance doesn’t have to be hard to find if you know what you are looking for.  High risk life insurance is usually purchased if you take part in hazardous hobbies or you have a dangerous job.  It’s also used for people with pre-existing conditions such as diabetes, heart disease or cancer.

The insurance company may view you as higher risk, but this does not automatically mean you …

Posted on: Wednesday, August 24th, 2011 by jcliff

Life insurance is typically thought of a safety net for a family in case the bread winner were to pass away.  It can cover the mortgage, pay for college, and cover day to day expenses while the family gets back on their feet.  State Farm Life Insurance offers another option for families who are looking for additional protection to keep their family financial sound.  It’s called a children’s term rider and it’s gaining in popularity.

Basically, State Farm life insurance quotes will give you an idea of how much a monthly premium will be. …

Posted on: Friday, August 19th, 2011 by jcliff

Millions of Americans turn to financial planners to help them sift through the often complicated finances in their life.  They can help individuals manage their money through budgets, investments and money-savings tips.  It’s no surprise that many financial planners recommend a life insurance policy as part of a balanced portfolio, but what may surprise you is that only 24% of planners specifically recommend life insurance to their clients.

This information is based on a survey of 2410 adults where 786 of them have a financial planner.  The survey was conducted by Harris Interactive through Saybrus Partners …

Posted on: Saturday, July 2nd, 2011 by jcliff

Many Americans think of life insurance as an option for the breadwinner in the family.  State Farm Life Insurance points out that it makes sense to get life insurance for every member of the family.  We are always putting our family first, and insuring each family member ensures everyone is protected in case of a tragedy.

Life insurance is just as important for a spouse who stays home.  A death benefit for this type of individual can go towards childcare, housekeeping, taking time off of work and funeral expenses.  This makes sense because spouse’s really …

Posted on: Saturday, May 28th, 2011 by jcliff

There are so many different types of life insurance policies to sift through that it’s often hard to know what plan is best for you.  One particular plan is appealing to more and more consumers today called the Survivorship Universal Life Insurance from State Farm.  Information from their website details what the plan offers, but simply put, it’s a flexible option to help protect your legacy and make your cash value tax-deferred.

Survivorship Universal Life is a quick and simplified way to help with your planning needs.  The death benefit is paid out once the last …

Posted on: Monday, May 23rd, 2011 by admin

You often hear the recommendation to obtain professional financial advice as you plan for your retirement and choose retirement savings, life insurance and housing.  Despite this advice most people do not seek this professional help.  Based on some recent research from LIMRA though, it’s good for your peace of mind to obtain a financial advisor so you can feel confident about your future and not worry as much as you may otherwise if you do your financial planning on your own.

According to the article on the InsuranceNewsNet website “LIMRA: Pre-Retirees Who Work With A …

Posted on: Wednesday, May 4th, 2011 by admin

Many consumers question whether they will need permanent or term life insurance for their life insurance needs.  State Farm Life Insurance has a user-friendly guide to help you make your decision on their website.  Whether you are looking for the affordable aspects of term life insurance or the protection of term insurance which can last a lifetime, or a combination of both, most life insurance companies have options to fit your budget and your individual needs.

Term life insurance in general can be purchased for large amounts with a low premium to start out.  This …

Posted on: Wednesday, April 20th, 2011 by admin

Universal life insurance is a unique plan offered through a State Farm Life Insurance quote, and can be a great option to help prepare your family for the unexpected.  It offers a flexible premium and adjustable benefit so your options will change as your needs change over time.  Also, as premiums are paid, it can accumulate value which will increase until you need it and it’s tax deferred.

Some features that draw consumers to Universal life insurance include flexibility, security, the death benefit, a guaranteed interest rate, and cash value growth.  With the freedom to …