Why Is the US Life Insurance Observing Falling Sales? | Best …

January 1, 2010 — nexam1

LIMRA International have said this is the greatest decline since 1942 over the last six months for US life insurance. Stock connected investments such as.

SourcedFrom Sourced from: Group Life Insurance

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Lifeinsurancenoexam.biz Sponsors $100 “Why Life Insurance” Writing Contest

August 16, 2009 — nexam1

Lifeinsurancenoexam.biz announces its  “Why Life Insurance” Writing Contest to run through September 30th, 2009.

Life insurance is considered a necessity in today’s world by most financial experts. After all, what would happen to your family if you pass away and they no longer had your income for support?  In most cases it would mean economic disaster.  But merely explaining the need is not nearly as compelling as a real life example. That’s why Lifeinsurancenoexam.biz is sponsoring the “Why Life Insurance” Writing Contest.

Just describe how life insurance has impacted the lives of family, friends, or clients.  It can be any length.  Short is fine; the entries will be judged on how compelling the story is.  The winner will receive $100 through PayPal and their winning entry published on lifeinsurancenoexam.biz/blog.

Rules:

1. Entry must be posted on another blog or website.

2. Entry must begin with the following and include the 2 anchor links. “Lifeinsurancenoexam.biz has asked the following – How has life insurance impacted the lives of family, friends, or clients?  Here is my story:”

3.  Enter by emailing info@lifeinsurancenoexam.biz with notice of your entry posting and url.

4. You may enter as often as you like.

5. Deadline is midnight, September 30, 2009

6. Entrants give permission to http://lifeinsurancenoexam.biz to use and reprint entries on their website and any other promotional materials.

7.  Judges decision is final.

Please contact info@lifeinsurancenoexam.biz with any questions.  Lifeinsurancenoexam.biz gives free, online life insurance quotes.  Get instant term life insurance or whole life insurance without an exam.

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From the Mailbag: Life Insurance Times 2

August 3, 2009 — nexam1

A reader asks:
Can I have more than 1 life insurance policy? What “gotcha’s” should I be aware of?
Yes, you can certainly have more than one life insurance policy. For example, lots of folks have one through work (usually as part of their group medical plan), and another they bought on their own. The advantage to the former is that the rates are usually low (since the face amount is usually only $10 or $15 thousand). The advantage to the latter is that it isn’t tied to your job, so you don’t give it up if you change employers.
Also, many people have more than one kind of policy: for example, a term plan to cover the mortgage, and a permanent one for longer term needs (income replacement, final expenses, etc). Some folks also find variable policies (which have sub-accounts that mimic mutual finds) to be useful in retirement planning.
If there’s any “gotcha” (and I’m not saying there is), it’s that carriers generally try to avoid over-insuring folks. That is, having so much insurance – in total – that one is “worth more dead than alive.” So they’ll ask about other plans already in place, and whether the new policy replaces or supplements those.
It’s also a good idea to review your policies on a regular basis. One’s needs, goals and desires change over time, and one’s insurance policies should reflect these. And that’s also a good time to make sure that beneficiary designations are appropriate and up-to-date.

SourcedFrom Sourced from: InsureBlog

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