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Wednesday, February 27 2013

The general rule of thumb is that anyone with children should buy life insurance immediately. Those who live with dependents or are breadwinners should make financial safeguards for the people they’ll be leaving behind, if ever. To get started, here are the two main types of insurance that every parent should be familiar with.

What is term insurance?

Term insurance provides coverage for a certain amount of time or a term. If the holder outlives the term, he gets nothing. This is an inexpensive option for parents who want substantial insurance coverage at a lower cost. Those who are in their 20s to 40s typically are generally in good health, so their risk of dying is quite low.

Some policies are renewable at the end of the term without a medical examination for a higher premium, while some are not. This is understandable because the older a person gets, the greater the chance of death within the policy term. Others may also be converted from term to whole life policies at the end of the term without the need for a requalification process.

What is permanent insurance?

Unlike term insurance, permanent insurance can never be canceled as long as premiums are paid. This type of insurance is also considered an investment. A permanent policy uses the premiums paid for the first few years to cover the cost of the plan holder’s risk of death. Aside from this, the excess amount goes to a reserve account which is used by insurance companies like Insurance At Your Fingertips for investments.

A portion of the interest or dividends from the returns are passed along to the policy holder. These may be added to the policy reserves or cashed in if the holder decides to end the policy. The amount that accumulates is not taxable, and partial withdrawals can be made without paying tax.

Death is inevitable. However, life must go on for the living who will be left behind. With all the policies available today, it is easy to get overwhelmed by insurance jargon and end up paying for a policy that does not meet a family’s needs. Therefore, parents must adequately educate themselves before choosing from among many cheap term life insurance quotes from insurance providers today.


Posted by: AT 01:25 am   |  Permalink   |  Email
Sunday, February 03 2013
In this ever-changing world, there are a lot of things which change people’s lives forever. From natural disasters to man-made accidents, there’s one thing about most life-changing events that everyone fears—the possibility of death. Different people prepare for death in different ways. Some are content with living each and every day to its fullest, while others get a life insurance policy to protect their loved ones.

The unpredictability of daily living today makes getting life insurance somewhat of a necessity. Nobody wants to leave their loved ones troubled and without means to survive daily living. However, not everyone can choose a policy that they want without investing a lot of cash on coverage first. Fortunately, this isn’t a problem anymore. You can buy cheap term life insurance that fits your budget.

You may be wondering: what exactly is a term life insurance? Also called term assurance, a term life insurance is a policy which provides coverage on a limited period of time. After the period expires, the policy owner must decide whether to renew the coverage or let it end. This type of insurance policy contrasts with permanent life insurance which guarantees coverage for the lifetime of the policy owner.

Term life insurance is one of the most affordable life insurance policies in the market. If you want your family to be financially protected, but have problems with high insurance coverage costs, choose a term life insurance instead.


A person’s general health will, in part, determine the rates of his or her term life insurance policy. If a person is relatively healthy, rates will remain low. When the term ends and the policy holder has not passed away, he will have to undergo a physical checkup once again to determine his overall well-being. If he doesn’t have any significant health problems, the rates will remain low.

Because you can choose how long the term is going to be, a typical term life insurance offered by companies such as Insurance At Your Finger Tips can be a good financial planning tool for the family. When you buy a term life insurance policy, you get an assurance that no matter what happens to you, your family will be able to handle potential expenses, such as paying for college or a mortgage.

Posted by: AT 08:39 pm   |  Permalink   |  0 Comments  |  Email
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