People buy life and health insurance because they are worried about the future. This is by far the most important reason. An older man who got married late would need to make sure that his young children will have enough money to live on when he...
We can no longer live without insurance. You never know when something bad will happen and you'll have to pay a lot of money for something you didn't plan for. That's why, if nothing else, most people invest in life insurance these days....
How much you pay for life insurance depends on how old you are, how healthy you are, and how you live. So, if you are older, have health problems, and smoke, you will always pay more for life insurance than someone who is younger, healthier, and...
Your financial planning should include a Life Insurance Needs Analysis. Even if you meet with a professional financial planner or insurance agent, you should know how your suggested death benefits are calculated. I've found that customers are...
Term life insurance is a key part of making a plan for your money. It's a way to make sure that all of your family members will be taken care of financially if you die suddenly. But one important thing that most people don't think about enough is...
How to Understand the Basics of Health Insurance
People in the U.S. get a lot of information about health insurance from every direction. Medicare now has more choices, and employee benefits officers often talk in a jumble of letters,...
Most people who want to buy term life insurance find a reputable financial advisor, talk to them about their specific needs, and then the advisor "shops around" the different carriers to try to find the least expensive but most complete term life...
Instead of a lump sum, think about an income policy.
Most people know that if you die, life insurance pays out a lump sum. But far fewer people know that you can buy insurance that gives you a regular income that isn't taxed. Its...
Getting an online auto insurance quote is a great idea whether you are looking for a new plan or just want to see what is out there. There are a lot of great places online where you can get free quotes on auto insurance with no trouble at all....
The IRS has decided to stop defending itself in a court case about taxes it has taken from long-distance phone services. Here's the lowdown.
If you have paid taxes on long-distance phone calls, the IRS owes you money.
We all pay for...