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Expert Advice

Buying Life Insurance: Wait or Buy Now?

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By Selene Garcia | January 14, 2019

Understanding the best time to buy life insurance is sometimes half the battle! The question to wait or buy now is a common one. And, the truth is when buying life insurance, carriers consider your mortality when determining how much you will pay. Also remember, we don’t typically get healthier as we age, so it stands…

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[VIDEO] Group Term Life vs. Individual Life Insurance

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By Selene Garcia | January 10, 2019

You might wonder which one is better, group term or individual life. Truth is, the free stuff at work typically won’t replace your economic value because the group term coverage is just a small token of what you really need. Also, if you lose the job, you lose the coverage – it doesn’t follow you….

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What is Term Life Insurance?

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By Byron Udell | January 9, 2019

Term Life Insurance is temporary life insurance, designed to provide coverage for a set period of time. The most common durations (terms) are 10, 15, 20, 25, 30 and 35 years. Like auto insurance or homeowners insurance it provides protection for you and your family in the event of an accident or unplanned death. Over…

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AD&D Insurance. Are You Prepared for the Worst?

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By Byron Udell | December 27, 2018

If you haven’t been in an accident yourself, you probably know someone who has. There are over five million car crashes in the U.S. every year, not to mention countless other kinds of accidents. But with Accidental Death Insurance or an Accidental Death and Dismemberment policy (AD&D Insurance), you can financially protect you and your…

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[VIDEO] Waiver of Premium. It Pays When You Can’t!

man sitting with wrapped injured knee

By Selene Garcia | December 26, 2018

Did you know that 1 out of 3 Americans between the ages of 35 and 65 will suffer a long-term disability lasting at least 90 days? You are also 4 times more likely to become disabled than you are to die before 65 years of age. The facts are a bit jarring, but armed with…

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[VIDEO] Return of Premium Life Insurance for Permanent Life

Piggy bank with calculator

By Selene Garcia | December 19, 2018

Return of Premium for permanent life is a real thing and if you so choose, you might have the opportunity (after 25 years) to get all your money back. But, before you start dialing your insurance agent, get clear on the facts. This refund option is, in essence, a financial incentive… an ethical bribe of…

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[VIDEO] Gambling with Life Settlements. Bad Idea.

man with cards in hand and stacks of poker chips

By Selene Garcia | December 13, 2018

Over the past 25 years or so there’s been an emergence of a new secondary market for existing life insurance policies. Some people, under certain circumstances, are actually able to sell their life insurance policies to people or companies willing to buy them, essentially as investments. The practice is offensive and you should know that the people…

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[VIDEO] What is Return of Premium?

what a surprise old man exaggerated expression

By Selene Garcia | December 11, 2018

Return of Premium is a life insurance feature that can be used as a piggy bank of sorts. While return of premium is commonly used with term life insurance, it can be added to both term and permanent coverage. However, depending on the type of coverage you have (term vs. permanent) your return of premium…

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Rate Class. How Much Will You Pay?

Paper scrap with Life Insurance text on cash

By Byron Udell | December 7, 2018

There are several different Rate and Risk Classifications life insurance carriers use to categorize people into risk groups. The carrier’s underwriters decide which one you qualify for based on your individual health, lifestyle, and family history profile. The price you’ll pay for your life insurance is determined, in large part, by the rate class (risk…

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[VIDEO] Why’s this life insurance guy so angry? Learn more.

neon light swear symbols

By Selene Garcia | November 29, 2018

This life insurance guy is so angry! Truth be told, his white-hot rage is warranted. If asked, people claim to love and care for their families but walk right past a real opportunity to protect them. How’s that love? So take 2 and listen to this angry life insurance guy explain why life insurance is…

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