Archive for the ‘Life Insurance Education’ Category

Life Insurance Accelerated Death Benefit Riders

life insurance accelerated death benefits

Many life insurance policies issued today include an Accelerated Death Benefit Rider . Under an Accelerated Death Benefit Rider, the carrier will pay part of the death benefit to a policy owner if the insured is proven to have an illness anticipated to result in the death of the insured within a specified time period. [...]

Life Insurance and Divorce

life insurance and divorce

Divorce complicates everything. That isn’t news to anyone who has ever faced the stress of reconstructing the life of a family, often two, and sometimes three. So it shouldn’t be surprising that divorce has significant ramifications on your life insurance policies and needs. Case Study 1: Joe and Laura – Treatment of Existing Life Insurance [...]

Life Insurance for a Scuba or Skin Diver

life_insurance_for_scuba_and_skin_divers

Life Insurance companies price their coverage based on their predictions of the risk that they will actually have to make a payment on a death claim. The reason that term insurance is so inexpensive, is that carriers almost never have to pay a claim.  Actuarialy, young people (in the aggregate) are almost as immortal as [...]