Friday, July 29, 2005

Life Insurance Is The Bedrock Of Life

Here is the story of a young couple that could be you, your family or your chidren. You can do all the right things and have the greatest of intentions but you need time to carry them out. And for that you need a job and your health.

If you are sick to the point of being disabled or don't have a job, you are going to find it will be hard to stay just even, without even trying to get ahead.

Make sure that you have good disability and life insurance in force in case life takes a bad turn. Call your life insurance guy today or at least read up on articles that you can find.

Wednesday, July 27, 2005

Last Will And Testament Requires Planning

There are many elements that go into your last will and testament. And, with the help of family and perhaps your attorney or lawyer, you need to consider them all.
If you lawyer primarily does maritime or criminal law, he probably has his own civil attorney for these matters. And you should too. For example I don't sell car or house insurance less than most, so I have my own general insurance broker that looks after this.
There is a lot of information on the net about completing a last will and testament and you should look around and become informed.

Read Article.

Tuesday, July 26, 2005

Estate Planning Is For The Young Too

It is a common misconception that estate planning is only for older people.The thinking seems to be that if you don't get "old", you'll never need it.You can read here how one young couple handled it and why.

Monday, July 25, 2005

Life Insurance Proceeds Can Be Dangerous

There may be some lessons to be learned here. Read Article

Lesson # 1. Have life insurance proceeds deposited directly into your bank account or, at least, have the cheque sent to you.
Lesson # 2. If you must use an attorney, also use an accountant. The cheque can be payable to them both in trust for you. If they are not known to each other, so much the better.
Lesson # 3. Don't tell anyone about the inheritance from the life insurance policy.

Friday, July 22, 2005

Long Term Care Policies Must Be Carefully Selected

It is important that when you are buying Long Term Care insurance that you know all the proper questions to ask.

Is This a Long Term Care Company?

The first question is whether the company offering the policy is committed to this type of insurance. Many companies offer life annuities while others won't touch them with a bargepole. So, is Long Term Care policy one of their main sellers or is it just an add-on product? You go into a hardware store to buy paint but they also will probably try to sell you a hat. Make certain what products this company are mainly offering

Long Term Care Periods

The next problem is to determine whether you should have a policy where the rates are firm for 10 or 20 years or some other period.Of course the longer the period, the more you pay. But freezing the rate may be the smart thing to do. If the rates are raised for your class early in your policy period, you may save a lot of money. Another possibility is that you could pay upfront for the full term.

Long Term Care Company Should Be Strong

Overall you have to be satisfied that the benefit will be there for you when or if you need it.You need to consider your income in the later years; will you be able to keep up the policy and will the policy do what you need it to do? If one policy has tight restrictions on what it offers, you then need to compare it to others on your local market. Ask your friends if they have policies and compare them to what you are considering. If you are thinking about the wrong type of policy for you and/or your spouse, now is the time to realise it.

For more information you can click here.

Thursday, July 21, 2005

Living Wills Are For Everyone

Ever since the Terry Schiavo case, people have been calling each other to see if anyone has a Living Will.

And by far, very far, the majority do not. And that will not change materially after you have read this, unless you are going to be that slim majority that actually puts thoughts into action. All the cases here happened to women in their twenties so the story you are about to read should compel you to do this simple thing.

Wednesday, July 20, 2005

Health Insurance: A Good Answer

If, like everyone else, you are worried about your health care costs, you will read here about a good answer.

Health Savings Accounts have not been around for long but already they are attracting the affluent and the non-affluent. And the reason is the high deductibles which, of course, lead to lower premiums. Maybe your situation won't look so grim after reading this.

Tuesday, July 19, 2005

Critical Illness Insurance is Critical

Here is a case where a man is suffering from a type of cancer that only hits in 1 out of 2 million cases. So people say to me "why should I bother with a critical illnes policy" ?

Here's why.Your policy will cover heart attacks, strokes as well as cancer, the 3 main causes of disability. If you don't know anyone who has had heart problems, cancer or a stroke, you are living under a rock at the bottom of the ocean. Or you are 4 years old. You should read the whole critical illness article here and then call your insurance broker.

To get a no obligation critical illness quote click on the link

Monday, July 18, 2005

Living Wills Are Necessary Too

It is not just enough to have a Will where you leave your possessions to your heirs.You also need to have a Living Will where you leave instructions for your welfare. And don't forget to give a copy to those closest to you as well as your doctor, lawyer and business partner. If you do not have a Living Will, it is like insuring your house against burglary but not fire; you need to cover all possibilties. Please continue on and read about one person who may have had a Will but certainly did not have a Living Will.

Tuesday, July 12, 2005

Term Life That You Own Yourself

Here yet again is another reason to a) own your own term life coverage and b) another reason to shop around to get the best deal possible.There are sometimes great differences in premiums and if you don't compare prices, you obviously don't care about money.Read article

To get a no obligation term life quote click on the link.

Living Wills Are Still Big News

Living wills and the need for them continues to be a hot topic of conversation around the water cooler and in a lot of hospital conversations.

Waiting for tomorrow to buy that insurance policy while your house is burning applies here.You either care about this need for your self or loved ones or you don't. It is very unlikely that you will end up like this, but if you care about the treatment you may receive, now is the time to do something about it. Click here to read the full article.

Long Term Care Takes Care Of The Future

This remains one of the most talked about topics this decade. The 15 week suffering of this woman which was dragged through the courts pulled at heart of anyone with any sensibilities, no matter which side you are on morally. To read the full article, click here.

If you would like to obtain a Free Long Term Care Quote or need more information please do not hestistate to call us toll free 1-877-842-3863.

Tuesday, July 05, 2005

Long Term Care Is Critical For A Lot Of People