Life insurance comes under two broad categories—whole and term life insurance. Term life insurance is the simplest, most straight-forward form of life insurance. You simply pay regular premiums in order for your beneficiary to receive a pre-determined death benefit. Since there is no investment component, term life insurance is the cheapest life insurance you can buy. You can purchase term or temporary life insurance for specific term periods such as 10, 20, or 30 years.Permanent life insurance not only guarantees a death benefit, but it’s a popular policy because a portion of the premiums you pay goes toward building cash value. The dividends that are earned can later be used to pay off future premiums. A few variations of permanent life insurance are mentioned here:
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Insurance discussion and general information
Should you use life insurance as an investment?
Life insurance comes under two broad categories—whole and term life insurance. Term life insurance is the simplest, most straight-forward form of life insurance. You simply pay regular premiums in order for your beneficiary to receive a pre-determined death benefit. Since there is no investment component, term life insurance is the cheapest life insurance you can buy. You can purchase term or temporary life insurance for specific term periods such as 10, 20, or 30 years.Permanent life insurance not only guarantees a death benefit, but it’s a popular policy because a portion of the premiums you pay goes toward building cash value. The dividends that are earned can later be used to pay off future premiums. A few variations of permanent life insurance are mentioned here:
Marijuana Dispensary getting raided? Get coverage!
Medical Marijuana Insurance Specialist Offers Pot Raid Coverage
This just in! Medical Marijuana Dispensary insurer MMD Insurance Specialists, now has you covered if you're raided.
From Insurance Journal:
"Medical ... read on
Replacement Cost and The Older House
One of the great mysteries of the property insurance world is replacement cost. During my agent days, I was frequently asked to insure property and ... read on
Insuring old buildings
Q --Who insures old buildings? We have purchased a building constructed in the 1880s and all insurance companies seem to be terrified of the structure. ... read on
Hail damage and Insurance Claims
Q & A on Hail damage:
Q: A hail storm went through my neighborhood. Most of my neighbors have gotten new roofs. I received a denial ... read on
The Ideal Insurance Contract
I’ve often said insurance contracts are like sex in prison: What you want, you can’t get, and what you get..you don’t want. That said, one ... read on
Help! The Primerica Lady is Coming!
Question from a Primerica prospect:
Hey Ernesto, I was wondering, I read your comment about the Primerica company and I have been also asked to join ... read on
Yes, you can .. make money as an insurance agent that is.
An anonymous independent agent posted a responce to my comment: "My advice: if you want to work in sales, find a more lucrative profession."
His ... read on
How much commision does an insurance agent earn?
When I first published this article on Ohio Insurance Forum I ended the article with the comment: " My advice: if you want to work in sales, ... read on
Dogs and Homeowners Insurance
Dog Liability and Homeowners Insurance
Insurance companies have paid particular interest to dogs in recent years and have worked at field underwriting all Homeowners and Renter’s ... read on

August 26, 2011 


