Latest Term Life Insurance News

How to Decide Between Whole and Term Life Insurance
If you have a family and wish to protect it financially, life insurance can provide a comforting safety net. But choosing between whole life and term life insurance can be confusing. You'll need to compare carefully and evaluate before making a decision.
Read more on NerdWallet (blog)

4 Questions to Ask About a Term Life Insurance Policy
You've decided on a term life insurance policy. This is a great first step to protecting your family in the event that anything unexpected happens to you, and for many people, it's a better fit than whole life insurance. However, not all term policies …
Read more on NerdWallet (blog)

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Auto Insurance Quotes For Financial Protection Against Accidents Caused By Animals!


(PRWEB) February 25, 2015

Carinsurancequotesinfo.com has released a new blog post explaining how to find an auto insurance policy that provides financial coverage for accidents caused by animals.

Hitting a large animal, like a deer when driving can cause massive damage to the vehicle and the driver too. Comprehensive auto insurance plans can provide benefits in case this happens and carrying this type of coverage can be advantageous.

It is now possible to find free auto insurance quotes on a single website:http://carinsurancequotesinfo.com/. Finding affordable coverage is essential as a policy is a long term investment. The premiums will remain the same throughout the policy’s term. This means that finding a good quote and a low cost plan is essential when first purchasing coverage.

In order to get quotes, drivers have to complete a single quote form. They will be able to select what type of coverage they need. If someone wants protection against damages caused by animals, they should buy comprehensive coverage.

Carinsurancequotesinfo.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

Carinsurancequotesinfo.com is owned by Internet Marketing Company.

For more information, please visit: http://carinsurancequotesinfo.com .







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Dangerous Activities Can Influence Auto Insurance Quotes


(PRWEB) February 20, 2015

Onlinequotesautoinsurance.com has released a new blog post explaining that dangerous activities can make car insurance rates more expensive.

Auto insurance prices can be influenced by various things. Among them, the driver’s record has a huge influence. Having a criminal record for certain felonies can make purchasing vehicle insurance difficult or expensive.

Other dangerous (and sometimes illegal activities) that can have a negative effect on auto insurance plans are drag and street racing. Having a dangerous profession can also impact auto insurance prices.

High risk drivers should review multiple plans before signing a contract with an agency. Clients can now compare free auto insurance quotes on a single website: http://onlinequotesautoinsurance.com/ and increase their chances of finding low cost coverage.

Onlinequotesautoinsurance.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

Onlinequotesautoinsurance.com is owned by Internet Marketing Company.

For more information, please visit http://onlinequotesautoinsurance.com/.







Related Life Insurance Quote Press Releases

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Life Insurance Can Boost Retirement Savings, Says Life Ant

Life Insurance Can Boost Retirement Savings, Says Life Ant
… life insurance quotes, recently announced the launch of its latest article, “Using Life Insurance To Save For Retirement.” The article, which is available at http://www.lifeant.com/using-life-insurance-save-retirement/, helps individuals understand …
Read more on Virtual-Strategy Magazine (press release)

New Website Makes it Easier to Find Affordable Life Insurance
There is no pressure or obligation to sign up for any life insurance policy when requesting free quotes. As with all other advice and information at TermLifePolicy.com, this free service is strictly designed to be an informational tool to guide …
Read more on Free Press Release Center (press release)

Choosing Between Whole and Term Life Insurance
If you can't afford to buy that much whole life insurance and aren't looking for a tax-deferred savings vehicle, you should buy term insurance. You can find out more about specific policies and check insurance quotes online or through a financial advisor.
Read more on Investorplace.com

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SEC Approves Substitution of Service Shares for Pacific Life Insurance

SEC Approves Substitution of Service Shares for Pacific Life Insurance
Applicants: Pacific Life Insurance Company ("Pacific Life"), Pacific Life's Separate Account A ("Separate Account A"), Pacific Life's Pacific Select Variable Annuity Separate Account ("Select VA Account" and, together with Separate Account A, the …
Read more on Insurance News Net

Link Life Insurance to LTC Expenses
For San Diego-based advisor Gene Pastula, some financial advisors have it all wrong when it comes to selling linked-benefit life insurance products. Advisors and their clients get a little too caught up in the cost of linked-benefit life insurance, and …
Read more on Insurance News Net

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A New Guide For Comparing Car Insurance Quotes To Find Affordable Coverage


(PRWEB) January 30, 2015

Carinsurancequotesinfo.com has released a new blog post explaining how to find cheap auto insurance quotes online.

Online car insurance quotes are the best way for finding low cost policies in an area. Clients can get the best offers from top agencies on a single website: http://carinsurancequotesinfo.com/. Here, customers can compare online car insurance offers in a convenient way.

There are many agencies that sell auto insurance plans. By comparing quotes, car owners will manage to have a better understanding of the market and their chances of finding cheap insurance will increase.

Liability auto insurance is a policy that every driver should own. This type of coverage is mandatory in all states and driving without carrying liability insurance can be considered a felony.

Carinsurancequotesinfo.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

Carinsurancequotesinfo.com is owned by Internet Marketing Company.

For more information, please visit http://carinsurancequotesinfo.com/ .







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Term vs Whole Life Insurance – The Debate Continues

If you are considering your life insurance options, you have undoubtedly encountered the “term insurance” versus “whole life insurance” debate. With so much information and so many opinions, it is easy to get caught up in a whirl of confusion. The key is to research your options, because there is no ‘one size fits all’ approach.

First, you need to understand the basics of each type of insurance. Once you know that, consider how they will apply to you. What are your financial goals? Do you have other investment tools at work for you? Would a combination of strategies be your best option? Once we address a few of these questions, it will be much easier to determine which route will suit you and your family – term or whole life or even a combination of the two.

Defining Term Life

Term life insurance offers coverage to the policyholder for a specified length of time. Generally, this type of policy is bought with an objective in mind. For example, term life insurance is a popular option for individuals with limited income. It is also sought after by those with high, but short term insurance needs; entrepreneurs who wish to cover a business loan, or for personal family protection. While term life policies offer no cash value accumulation; they do provide for beneficiaries upon your death. The face value is usually collected tax free, assuming that all premiums are paid current.

The Advantages of Term Life

Term life insurance typically boasts low premiums. Given the lower premiums, many industry experts believe that term insurance provides the best insurance coverage per premium dollar. In addition, this type of policy does provide you with the coverage you need to meet all your short-term needs. A good example of such a need would be your mortgage.

Finally, term life insurance policies can also serve as a complement to your whole life insurance policy, should you opt to have both in place. Convertible term policies are available. These policies will enable you to convert your current term coverage to permanent life insurance at a later date, and generally a medical exam is not required.

The Disadvantage of Term Life

To truly determine what type of coverage is right for you, you must also consider the disadvantages or cons of term life insurance. The first thing to keep in mind is that coverage only lasts a pre-determined length of time. In addition, premiums will continue to climb as you age, or your death benefit will decrease. As stated above, there is no cash value accumulation.

You will also need to look to the future, by realizing that riders that are available with whole life insurance policies are not usually obtainable, and you may be unable to purchase additional coverage at a later date. Finally, term life is not typically available to seniors and these policies are not appropriate for paying estate taxes.

Defining Whole Life Insurance

Whole life insurance offers policyholders permanent and lifelong insurance coverage. Of course, this is assuming that you continue to pay your premium payments! The policy benefit typically remains the same over the course of time, and is payable to the beneficiary(s), upon the insured’s death.

Unlike term life insurance, whole life is designed to last over an extended period of time. Those wishing to cover permanent needs favor these types of policies. Permanent needs may include covering final expenses or contributing to a survivor’s nest egg. Whole life policies also present you with an opportunity to build cash value. This may become important later in life, if you are faced with unexpected costs. You can take a loan on your policy to cover major purchases or help finance that ‘rainy day’.

The Advantage of Whole Life Insurance

There are a number of advantages to consider. First, whole life insurance policies offer guaranteed protection for life, as long as you continue to meet your premiums. Premiums do not increase in direct correlation with age, and typically, your death benefit is tax-free.

In addition, whole life insurance offers low risk cash value accounts, and the cash may accumulate tax-deferred. In certain cases, you may be able to convert your cash value to an annuity or even opt to make tax-free loans of your cash value. Finally, many depend on a whole life insurance policy to provide their loved ones with the funds to pay for medical bills, final expenses and any remaining debt.

The Disadvantages of Whole Life Insurance

One of the major disadvantages associated with whole life insurance is the cost of premiums. Many find the high premiums to be a hindrance, and are unable to purchase the appropriate amount of protection. Following along that same thought, in order for a whole life insurance policy to be beneficial, you will have to maintain the policy for a considerable amount of time. You are unable to vary your monthly premium payments and the payment period time is lengthy.

Another disadvantage is that at the ‘end of the day’ the cash value of your policy may be less than your face value. This is one major reason that proponents of term life insurance encourage policyholders to buy a term policy and invest the difference. But we will touch more on that later.

There are two final points to consider when shopping your options. First, should you opt to take out a loan, the amount is deducted from the cash value or death benefit of the policy. In addition, you generally are unable to increase the amount of coverage at a later date.

What Type of Policy is Right for Me?

There are a few basic questions to ask yourself. First are your insurance needs permanent or temporary? Also, you must face the practical issue of premiums. Can you afford the high premiums associated with whole life insurance? Are you disciplined enough to, ‘buy term and invest the difference’? If you were faithful in putting your pennies in the piggy bank as a child, this may be a smart option. However, if you know that you will spend every extra dollar buying fabulous shoes or that amazing set of golf clubs – you will want to consider the ‘forced’ savings that whole life insurance provides.

There is always the option of a convertible term policy. Many find that it is an appropriate way to begin. Despite your choice, at the end of the day, you want to ensure that the type of coverage you opt for will help you build a strong and solid financial foundation for you and your family! Our last tip? Do not depend on either term or whole life insurance as your primary source of investment. Talk with a financial advisor regarding other options, such as 401Ks, IRAs, Stock Options, etc. You can never over prepare for the future.

Establishing his insurance career in 1985, Gary Stuart began from the ground up, building and cultivating an agency which specialized in several lines, including long term care, group health, disability, whole life insurance and more! In 2001, Gary translated his 15 years of experience in the industry to the development of his website which provides his customers with an opportunity to explore their insurance options. Gary sees education as the key element in purchasing a policy best suited to the needs of the individual. For more information, you can vist his site at: http://www.acculifeinsurance.com

Article Source:
http://EzineArticles.com/?expert=Gary_Stuart

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Basic Tips for Comparing Online Auto Insurance Quotes for Motorcycles


(PRWEB) January 28, 2015

Onlinecarinsuranceinfo.com has released a new blog post explaining how to http://onlinecarinsuranceinfo.com/ basic-tips-for-purchasing-motorcycle-insurance/ [purchase affordable auto insurance __title__ ] for motorcycles.

Motorcycle owners should always carry coverage for their vehicles. An auto insurance policy can cover expensive damages and even medical costs. Some policies can be purchased at low prices in just a few minutes by comparing online car insurance quotes on a single website: . http://onlinecarinsuranceinfo.com/.

The quotes are selected by a professional search engine based on the information each visitor provides when completing the quote form. The newly released blog post offers more information about the basics of purchasing car insurance for a motorcycle. When purchasing a policy, clients should be well informed about the type of coverage they need.

Onlinecarinsuranceinfo.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

Onlinecarinsuranceinfo.com is owned by Internet Marketing Company.

For more information, please visit http://onlinecarinsuranceinfo.com.







Related Life Insurance Press Releases

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Life Insurance 2.0

Life Insurance 2.0
Should you buy term or whole life? Instead, you should consider a flexible premium and flexible duration policy that will let you keep it as long as you need it to last. Many feel that permanent insurance is too expensive – term doesn't take you far …
Read more on The Boca Raton Tribune

New Year Finances: Four Life Changers that Affect Your Life Insurance
Whole or permanent life insurance can help pay for the family/child expenses if a parent dies prematurely. In addition, cash accumulation options can help pay for future college expenses. Also, consider a whole life youth policy that can provide life …
Read more on Insurance News Net

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State Department Federal Credit Union and Clements Worldwide Launch Card-Based, Guaranteed-Issue Term Life Insurance


Washington, DC (PRWEB) January 16, 2015

State Department Federal Credit Union (SDFCU) joined with Clements Worldwide to launch a credit card-based term life insurance program – the first of its kind — to meet the needs of State employees in the United States as well those serving abroad.

A result of collaboration between Clements Worldwide and SDFCU, the innovative program is available through SDFCU’s debit and credit cards, and enables its members to easily obtain guaranteed life insurance coverage valid around the globe, including high-risk locations. Uniquely, the initiative offers protection in the event of war, terrorism and political violence and can offer a stopgap to supplement other plans.

Clements Worldwide, a leading provider of international insurance solutions, leveraged its extensive global underwriter network to custom-design the life insurance product, thereby eliminating a complex and often burdensome application process.

Accordingly, SDFCU members can now conveniently obtain competitively-priced, comprehensive term life insurance created to meet their specific needs by simply visiting the program’s dedicated website at http://www.sdfcu.org/cardbasedinsurance.

“The men and women who serve in our country’s diplomatic corps are often excluded from participation in life insurance plans because they frequently travel to or reside in areas impacted by conflict, disaster or disease,” said Jan Roche, president and CEO of SDFCU. “In Clements, we found a partner with the experience, trust and resources to create a viable product.”

“Clements Worldwide has worked with the U.S. State Department since our inception,” said Chris Beck, president of Clements Worldwide. “It was only a natural progression to someday work with SDFCU. Its members needed life insurance services that didn’t have the same rigorous requirements as others that could cover them worldwide. Clements worked closely with SDFCU to develop a program that has the ease of use and fully portable coverage that the card-based term life program provides.”

About State Department Credit Union

Established in 1935, member-owned State Department Federal Credit Union (SDFCU) offers a full range of financial services to address the diverse needs of its members. With $ 1.3 billion in assets, SDFCU is proud to serve over 66,000 members worldwide. To learn more, visit http://www.sdfcu.org.

About Clements Worldwide

Clements Worldwide is a leading insurance provider for expatriates and international organizations. Founded in 1947, Clements offers international car, property, term life, health, specialty and high-risk insurance in over 170 countries. With offices in Washington, D.C., London, and Dubai, Clements delivers comprehensive coverage, superior customer service, and unparalleled claims response. To learn more and quote online, visit http://www.clements.com.







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