If you are approaching retirement age, you may be considering your options for affordable life insurance. When we retire, most of us will lose the our employer-provided policy, but some of us will still need coverage. Common reasons for buying life insurance after the age of 60 include: funding an inheritance, maximizing a pension plan,…
Potential clients often call us to ask, “Am I too young for life insurance?” In many cases, if you are young and do not have any dependents, adding a monthly bill for life insurance premiums might seem a little foolish. However, purchasing life insurance when you are young and healthy helps save you a considerable…
One of the most common questions we hear is, “Can my non-working spouse qualify for life insurance?” The answer is yes! Life insurance companies understand that taking care of the home is invaluable and is equally important as earning an income for the household. In most cases, life insurance companies will actually allow a stay-at-home…
Potential clients often call us to ask, “How do I qualify for $1,000,000 or more in life insurance coverage?” Whether you need $1,000,000, $2,000,000, $3,000,000, or more in life insurance, every life insurance company’s rates and requirements will vary. Insurance companies determine your rates and eligibility for coverage based on your age, health, and financial…
At Term Life Advice, we work with clients of all ages and from all walks of life, but the majority of them have one thing in common: their fear that a pre-existing condition will prevent them from being covered. Because we work with more than 60 top-rated life insurance companies, we can always find the…
While many people know life insurance is essential for keeping their family secure and protected in the event of their death, not many of them know how to go about choosing a life insurance policy or what kind of coverage they need. If you’re working with an experienced agent, finding the perfect life insurance policy…
Besides providing security and protection for your family in the event of your death, life insurance also offers several additional financial benefits. In fact, the tax-related benefits alone make life insurance a valuable asset to incorporate into your financial planning. While a term life insurance policy will provide death benefit protection, permanent life insurance policies…
One of the most common questions our potential clients ask us is, “What’s the difference between term and permanent life insurance?” Our agency works with over 60 top-rated life insurance companies to make sure we always match our clients with the best coverage options for their needs. In this article, we’ll explain the differences between…
Going through a divorce is difficult on a person’s emotional well-being, but it can be equally taxing on their financial situation as well. Not only do they have to deal with the demands of a former spouse, the lawyers, and a judge, but divorcees are often taken aback by having to throw an insurance agent…
While it isn’t the most romantic aspect of marriage, it’s essential to have a conversation about finances, including how to handle financial responsibilities and obligations once one spouse has passed away. If a spouse should die prematurely, their remaining family may have to deal with a financial crisis on top of their grief. In this…