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Life Insurance Insights

December 23, 2009

Life Insurance Company Ratings

There are five major insurance industry rating services: A.M. Best, Standard & Poor´s, Moody´s, Fitch (formerly Duff & Phelps), and Weiss. These independent services provide information on insurance company financial performance, stability, claims-paying ability, and more. Each rating service has […]
December 23, 2009

Advantages of Term Life Insurance

There are two main types of life insurance that are available to everyone; Permanent life insurance and Term life insurance. Many people are unaware even of the existence of term life insurance, which is a shame because term life insurance […]
December 23, 2009

Is Term Insurance the Only Type I Need?

The debate of choosing term or permanent life insurance has been going on for years. It is not yet possible to say which type of coverage is better than other. It all depends on an individual’s needs and unique circumstances. […]
December 23, 2009

What is Term Life Insurance?

A policy that pays a benefit only if the insured dies during a specified period of time. Term is only a death benefit plan and offers no cash values. For consumers needing life insurance for a limited period of time, […]
December 23, 2009

Life Insurance for Senior Citizens

The country’s largest generation, the Baby Boomers, will be considered elderly in the coming decades. As a result, an unprecedented emphasis is being placed on long-term care insurance. For seniors, health and quality of life are among the most pressing […]
December 23, 2009

10 Most Dangerous Jobs

The Bureau of Labor Statistic’s new list of the nation´s 10 most dangerous jobs has fishermen at the top of its list.They are closely followed by loggers, the people who cut down trees, as those workers at highest risk in […]
December 23, 2009

Reasons to Stop Smoking

Your blood pressure drops to a level close to that before the last cigarette. The temperature of your hands and feet increases to normal. (US Surgeon General´s Report, 1988, pp. 39, 202) 8 hours after quitting: The carbon monoxide level […]
December 23, 2009

Women, Smoking and Life Insurance

It is a fact that has been documented since 1980, when the first U-S Surgeon General´s Report on women and smoking was released; cigarette smoking plays a major role in shortening a woman´s life. Since then, about three million women […]
December 23, 2009

Divorce and Life Insurance

We would like to think that a marriage will last forever but bleak statistics show that more than half of all married couples in the United States will end up divorcing.This painful end to a union brings a major life-change […]
December 23, 2009

Life Insurance For America

When buying any big ticket item, the key to a successful purchase is feeling confident in your research. That’s why LifeQuote is here to showcase the premiere life insurance companies of America to the public and filter their policy rates […]
December 23, 2009

Smoking and Your Rate

Insurers will give a lower premium rate to buyers who do not smoke or use tobacco. If you smoked or used any tobacco product in the past, most carriers will consider you a non-smoker if you have not used any […]
December 23, 2009

Is Permanent Life Insurance a Good Investment Option?

The basic difference between term and permanent life insurance is this: A term policy is only a temporary life coverage only whereas a permanent life insurance policy is a lifetime policy, as long as one continues to pay the premiums. […]
December 23, 2009

Term Life Insurance

Term life insurance is the simplest and least expensive policy option due to its pure death benefit. In the event of death while covered by the “term” of the policy, the predetermined monetary benefit will be paid to the named […]
December 23, 2009

What Are Some Key Insurance Terms That I Should Know?

Understanding insurance terminology is confusing. However, we at LifeQuote believe that life should be easier so does the insurance language. For your easy understanding, we have come up with some key insurance terms that are commonly used in Insurance world. If […]
December 23, 2009

Rules About Life Insurance Exams

Can I use my last exam? Doctors see patients for a variety of reasons. Sometimes it may be a blood pressure check- other times to follow up on a certain condition. The insurance exam asks and looks for specific questions […]
December 23, 2009

When Is Term Insurance the Right Choice?

If the lowest dollar outlay is your main concern, and your insurance need is for a few years or for a certain time period, term may be the best option. If you need lifetime coverage, an affordable Universal Life policy […]