Dallas life insurance agents Archives - Page 2 of 2

The One Option Your Term Life Insurance Policy Should Have

There’s one option no term life policy should be without and I didn’t mention it in last Friday’s post: 4 Term Life Options Worth Exploring (http://50.87.248.161/~wiseinsu/4-term-life-options-worth-exploring/). No, I wasn’t sand bagging, but some term life policies automatically include this as a “feature” of their term life policy while others add it as an option. What is it? It’s usually referred to as the Accelerated Death Benefit and what it does can be profoundly important.

4 Term Life Options Worth Exploring

All insurance policies have options: home insurance, car insurance, umbrella policies, health, and commercial policies. Every one of them has options. Even life insurance has options available to anyone who’s interested. Most people are surprised to learn this, but I believe it’s important to cover each one when I discuss life insurance. There are 4 primary life options including …

Which is Better, Credit Life or Term Life Insurance?

One of my clients in the Frisco / McKinney area emailed me last week. Beth (not her real name) asked me if I write credit life policies because she was looking into it. I replied to her email letting her know I don’t sell credit life and then asked her what she was trying to accomplish. Beth is a single mom with three kids and her goal is to pay off her home and leave it to her children in the event of her death.

Are On-Line Life Insurance Quotes Legitimate?

I was talking with Jason Hull a couple of weeks ago after the April meeting of the D/FW FinCon Chapter. Our local band of merry bloggers, which is led by Philip Taylor (www.ptmoney.com), and founder of FinCon, meets once a month to discuss blogging issues related to personal finance. Jason’s a friend and fee only financial planner in Crowley, Texas (www.hullfinancialplanning.com/) and we were discussing blogging topics. He suggested a topic to me that was framed in a question, “Can you get a legitimate on-line life insurance quote?” He was smiling and even I knew that meant he was asking me a question he already had the answer to.

The relationship between your hobbies & life insurance

?I’m currently working with three different Dallas area clients on life insurance policies. They’ve answered the 3 questions that need to be answered before shopping for life insurance (http://bit.ly/XDHoGu) and we’re in various stages of the application process; completing applications, reviewing options, submitting applications, and waiting for underwriting.

Applying for life insurance? How’s your driving record?

Everyone smiles when I ask about traffic tickets or accidents. Some have even asked what they have to do with life insurance. Almost every insurance company that processes a life application will run MVR (motor vehicle report) and CLUE reports. The MVR show violations such as tickets and the CLUE report shows accidents.

Should you buy life insurance for children?

If you pack a room with financial planners and life insurance agents and then ask this question, you’ll have some great entertainment. It will be on a par with a professional wrestling match or an MMA cage fight. Not to be one for the faint of heart, I thought this would make for an interesting topic.

Can breast cancer survivors get life insurance?

?This wasn’t even a legitimate question in the not too distant past. The answer from underwriting was a swift “no” each and every time. If a person had any history of cancer, there was no way they’d get through underwriting.

As Bob Dylan sang, “The times they are a-changin’.”

Tag: Dallas life insurance agents

The One Option Your Term Life Insurance Policy Should Have

4 Term Life Options Worth Exploring

Which is Better, Credit Life or Term Life Insurance?

Are On-Line Life Insurance Quotes Legitimate?

The relationship between your hobbies & life insurance

Applying for life insurance? How’s your driving record?

Should you buy life insurance for children?

Can breast cancer survivors get life insurance?

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