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 [...]

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.

Remember the more complicated the policy gets, the more you will find yourself relying on your agents to explain and help you. It is difficult to compare whole life policy with other policies because they are complex.

Term Insurance is the simplest form of life insurance, the terms are the easiest to shop for. Ask yourself and your agent a lot of questions and here are some suggestions

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 [...]

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 [...]