Life Insurance

Bulbrook Drislane Underwriting Hotpots

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Bulbrook/Drislane Hot Spots

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Do You Have The Right People in Place as Beneficiaries to Avoid Feuds?

Life Insurance has a purpose…it provides for your family if you die unexpectedly. When you have a permanent life insurance policy, the death benefit goes to the beneficiaries you have designated free of income tax. When you set up your life insurance policy, you will be asked to designate  beneficiaries.  These are the people you want to receive your assets when you pass away. Often people list their spouse, children, grandchildren etc. without giving it a second thought.  Thing is, it is often more complicated than that. Naming your beneficiaries without careful consideration could cut into your loved ones' inheritance or ...
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How Much Life Insurance Do You Need?

There are several ways to go about determining how much coverage you need when you purchase your life insurance policy.  One simple method is to buy coverage equal to five to ten times your annual income.  Following this rule of thumb, if you make $50,000 annually, you’d buy a policy between $250,000 and $500,000. Other methods are more precise and take certain aspects of your financial situation into consideration, such as the capital you’ve already accumulated, the liabilities you’ve accrued, and the specific costs you’d like your family to be covered for in the future. When purchasing term insurance, you’ll ...
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As Household Numbers Increase So Should Your Life Insurance

In life, you can live without a lot of things.  You don’t need top of the line appliances, expensive cars, etc. but one thing that you DO need is life insurance. The importance of life insurance increases as the number of people in a household increases. Life insurance is a way to protect your family against possible financial trouble or even ruin, depending on your circumstances.  Life insurance is also a way to relieve some of the anxiety that family members feel as they wonder how they will get by should a breadwinner in the family pass on. There are ...
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When is the Right Time to Buy Life Insurance?

Many people could benefit by having life insurance.  When someone else is depending on your income, that is when you need to ensure you have a policy. You may already have life insurance coverage through your employer.  Even so, it’s usually a good idea to consider purchasing additional coverage independently, because policies you buy outside an employer’s plan are portable, meaning your coverage continues even if you lose or leave your job.  Also, your employer’s coverage may not meet your financial obligations for adequately protecting your family. It’s a good idea to review your need for life insurance whenever a ...
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How Does Life Insurance Work?

You’re working hard for your money and you want your family to be able to enjoy the fruits of your labor in the coming years.  Preparing for your family’s future, however, means more than investing appropriately in order to achieve the right combinations of growth and stability for your goals and time horizon.  For many people, it also involves purchasing the right amount of life insurance during their working years. Life insurance can help ease the financial impact on your loved ones in the event of your death.  With a life insurance policy, your family can use the proceeds to ...
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Do You Have Financial Security For Your Family?

Life Insurance is an essential part of financial planning that is meant to create provisions for your family and loved ones following your death. A Life insurance policy can ensure financial security to those who mean the most to you, such as your spouse, children and dependent parents.  Having a carefully executed life insurance policy helps prepare you and your family for life’s uncertainties so you all have peace of mind knowing that the future is secure, no matter what happens. Let me explain a little to you today about life insurance and how this all works: Even after you ...
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