Tag: Richardson life insurance

What Does a Funeral Cost?

What does it truly cost to bury or cremate a Loved One? On November 9, 2012, Money Magazine published on-line the first in a three part series dealing with end of life issues. Part 1, The High Cost of Saying Goodbye, provided an excellent overview of pricing, sales tactics, and even deceptive practices that some disreputable companies and directors have used. The articles also presented a number of steps people can take to protect themselves financially at one of the most difficult times a surviving spouse or family will ever face.

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Life Insurance After 50

I had lunch with a friend of mine the other day; we’ll call him Bill, not his real name. He needed someone who’d listen and provide some feedback to make sure he was on the right track. The conversation started with him letting me know he’d just gotten laid off from a managerial position he’s had for several years. The pain was obvious as we talked.

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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.

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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 …

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Expecting? Here are 4 Insurance Items to Review!

On a Sunday in February, Sheri (my wife) and I had breakfast at Cindi’s Deli in Dallas with Jordan & Christine (my son and daughter in law). The two of them were in town and this gave us some nice time together and to catch up. They presented us with a Valentine’s Day card that happened to have a picture of a sonogram showing they were expecting their first child. I was completely caught off guard but incredibly excited for them and us. This is the first Wise grandbaby and I’m thrilled!

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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.

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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.

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Couples & life insurance (who should have a life policy?)

?Shopping for life insurance can be prompted by life events. A marriage, your first home, the first pregnancy or the arrival of a new baby are examples of such motivational life events. Regardless of which life event it is that motivates the search, I thought it was appropriate to visit this question, “Which member of a couple should have a life policy?”

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Shopping for life insurance? Answer 3 questions first!

Buying a life insurance policy is different than purchasing any other type of insurance policy. Home insurance is pretty straightforward. What amount of coverage does it take to replace the home if it experiences a total loss? Car insurance is not much different. What kind of car, truck or SUV do you drive and what kind of protection do you need to protect you financially if you’re at fault?

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The cost of one day to his family , $200,000

A Plano, Texas school teacher died last year. Robert “Boots” Williams lost his battle with lung cancer thinking he’d done everything required of him to take care of his wife and disabled son. He reported to school to teach in late August but barely made it through the first day. Since he wasn’t feeling well, he used his sick time while going through treatment.

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