Life And Health Choices

You can watch MeTV for only a short period of time before you see the commercials for burial insurance, or final expense insurance. "Pennies a Day!", or some other ear-catching line that doesn't tell the complete story.  *No Exam Life Insurance $100k As Low As $4.75/month *Guaranteed Burial Insurance $9/month Buys $50K in Coverage ‎ *Guaranteed Acceptance Whole  Life Insurance  from  $9.95 / month Of course these are "teaser" rates. Do you realistically believe anyone can apply for coverage and get these premiums? The purpose of these ads is to get a person to call the number given or go the site to get a quote. Without having to watch MeTV, here are the sites: Colonial Penn TruStage AARP/New York Life I encourage everyone who is considering purchasing insurance to do their homework. Compare benefits and premiums. Make the best choice and save money.  Also make certain to read the fine print because you don't always get what is a...

Smart Planning of Your Final Wishes Robert had recently retired and his wife Ruth, still worked part time. They were empty-nesters with several children and grandchildren living nearby. Even with retirement savings and other money put aside for rainy days, they were both concerned with the cost of a funeral. Robert no longer had the group insurance he had with his employer and each of them had a small  whole life insurance  policy which wouldn't be enough if something were to happen to either of them. Another concern was not knowing the first thing about  funeral planning , or  pre-need planning . Fortunately, Robert and Ruth found a site online which helps people  plan their final wishes , what to include with a plan, and how the plan should be used when the need arises. They even found answers to the cost of a funeral and a list of reputable local funeral homes. They spoke with an independent insurance agent who first told them about the...

Happy Presidents' Day......or is it Merry Presidents' Day? I really love these Monday holidays making for a three day weekend. It's a great break from the routine and it gives us yet another reason to celebrate, shop and buy things! 😁 February is the month of romance. Valentine's Day is about that someone special in your life. The month of championships and big games like the Super Bowl. The month of movie awards. The Academy Awards celebrate the best the entertainment industry has to offer, and of course… Presidents’ Day. George Washington. Abraham Lincoln. FDR. Donald Trump? Can’t forget that. Anyway, what better way to get in the February spirit than by buying some life insurance coverage?  Hear me out.  After all, a   term life insurance policy   is a great way to help financially protect the people you love at an affordable price.  Here are a few reasons to get that coverage right here, right now, in the glorious second month of th...

Get Your Money Back If You Never Use it. Mike is a 35 year-old who just bought his second home. He's married, has a great wife and 3 children, ages 9 , 7, and 2. That new home is going to provide them much satisfaction and great memories in the future. Right now, Mike sees it as a 30-year, $300,000 responsibility he wants to protect as well as the wife and kids. The group insurance Mike has through his employer is not enough to cover his entire mortgage and he's looking for additional insurance on his own. He's heard about Return of Premium insurance and is considering this option. Mike is building his 401k at work and is following other retirement strategies. Does this Return of Premium work into his retirement picture? Insurance companies began offering return-of- premium   riders  on their term policies in the early 1990s as a solution to the "live-and-lose" dilemma presented by traditional term policies. As the name implies, this rider will allow a  p...