John, my neighbor asked me today to explain what is “Group Life Insurance?”
Group Life insurance is policy that insures a group of people. Its a type of insurance in which a group of people are covered- if you are part of the group.
Group Life Insurance is often provided by employers as an employee benefit [...]

Life Insurance Premiums are the dollar amount you pay into a life insurance policy. You can pay premiums on a monthly basis or less often if you choose.
If you are over 50’s, there are affordable ways to prepare for the future.
With over 50s life insurance cover there is guaranteed acceptance- and in most cases there [...]

If a Insurance Company turns you down for a policy, try another company.
Each Insurance Company uses different methods and factors to decide whether or not to insure you.
Here is a good example. If you have high blood pressure that you control with medication, one company might reject you while another company may accept you. Just [...]

Only a few insurance companies sell life insurance policies through the mail. If you choose to purchase your policy through the mail, all you have to do is mail in your completed application directly to the insurance company. The company who sells life insurance through the mail usually does not have an agent in your [...]

Certain steps should be taken to resolve a dispute with your insurance company.
You do not need a lawyer to resolve disputes in most cases, most insurance companies will generally be willing to work with your to straighten out any problems.
First contact your insurance agent. If your concerns are not addressed contact the company’s customer [...]

A good agent can guide you by explaining the options and identifying what best match your personal needs. Life insurance can get very complicated.

A Viatical Life Insurance settlement is an agreement to sell the ownership of your life insurance policy to another, unrelated person, who then becomes both the owner and beneficiary of the policy.

Most life insurance policies permit you to “accelerate” the death benefit. This provision make it possible to collect on your own life insurance before you die. It is sometimes called “living benefit” provision.
This provision may be built into the policy or offered as a rider. It is intended to let you use death [...]

I was recently asked this question,”What is a life insurance rider?” I did not realize that someone would not know what it really means.
The best way to explain what a life insurance rider is as follows:
Riders are modifications to the basic insurance policy added at the same time the policy is issued. Riders are [...]

Life Insurance is a contract between the policy owner and the insurer. The insurer agrees to pay a sum of money in the event of the policy holders death to the designated Beneficiary.
A Life Insurance Policy is based upon life of the person named in the policy. The policy is paid out when the following [...]