Free Insurance Guide

When you purchase a life insurance policy, your premium and the cash value of the policy can be affected by a wide variety of fees and charges. These are often referred to as the “load” and some policies are considered “low-load” because the fees and commissions you pay are relatively low.

Read more…

While recent trends in the world of home insurance appear to be increasing costs for homeowners, new technology in the world of life insurance could lower costs. Also, the Insurance Information Institute is warning drivers about the dangers of low-speed vehicles on the road.

Trends in Home Insurance Are Affecting Costs

New issues in the world of home insurance, including living in coastal areas, lower home prices and credit scores, have an effect on prices in the industry. According to Consumer Reports, even Chinese drywall issues are having an effect as homeowners find themselves displaced and having to pay for repairs associated with this problem.

Some think these new trends may be a new part of the home insurance fabric.

Read more…

It is more common than you think for a beneficiary to get a denial letter after filing a life insurance claim. That’s at least according to a new press release from Pennsylvania life insurance law firm, Lassen Law Firm, that explains that life insurance companies regularly deny claims – and for a lot of simple reasons.

Why Your Life Insurance Claim Could be Denied

We often think that once we purchase a life insurance policy, all of our family’s problems are solved. They won’t have to worry about money once we’re gone and we can rest easy knowing everything will be taken care of after obtaining life coverage.

However, this is not necessarily true.

Read more…

It is very typical for people to consider buying life insurance when they are about to have their own family. This is why many women leave a life insurance policy until they are pregnant and is about to have her first child. What most of you don’t know, several insurance companies are reticent in covering an already pregnant woman as they are more prone to many complications during the nine months of pregnancy.

Oftentimes, insurance providers will advise the mother to wait until her baby is three to six months old before trying to get cover. If a pregnant woman has managed to get life insurance cover, she can expect to pay up to 50% more on her premiums. I

Read more…

Obtaining life insurance offers huge benefits, including the security of knowing that once you’ve passed on you can leave your family with financial stability. Recent studies show that life insurance is such an important asset that consumers have been willing to purchase or maintain their coverage despite the recession.

But what many policyholders don’t know is that there are supplemental life insurance options available that can enhance the existing policy.

Read more…