Looking to get life insurance but don’t know which one to get? Read on and learn about the two main life insurance options.

Term vs. Permanent Life Insurance: What’s Better for Me?

Life insurance is meant to ease your mind by helping your family members financially in the event of your death. You can get either permanent coverage or a term policy if you think you need life insurance. When comparing life insurance plans, it is important to remember that each option has advantages and disadvantages. Term life insurance seems…
Read More
Looking to buy life insurance? Here is a complete guide explaining which age is perfect for buying life insurance.

What’s the Right Age to Buy Life Insurance?

After the policyholder’s passing, the beneficiary gets a predetermined amount of money (the “death benefit”) from a life insurance policy. Life insurance aims to alleviate the financial burden left behind by a person’s death, including the payment of final expenses and the deceased’s share of any obligations or debts. A term life insurance plan only remains…
Read More
Got rejected by your life insurance company? Here is a complete guide explaining the steps tot take after getting rejected.

What Happens If I’m Declined For Life Insurance?

It’s never pleasant to get turned down for anything, whether it’s a spot at your dream university, a date, or even life insurance. While we cannot assist with the first two instances, we can offer some advice if your life insurance application is denied. Underwriting is the method used by life insurance agencies to establish rates and client…
Read More
Not sure if you have enough life insurance coverage? Read on and learn how to determine whether your life insurance coverage is enough.

Do I Have Enough Life Insurance Coverage?

The only thing more certain than death is taxes, and most people would rather not think about either. If you have family, who relies on your earnings, you should take extra precautions to ensure their financial security in the event of your untimely demise. Having life insurance can ease the financial strain on your loved ones by…
Read More
Traveling abroad and worried if your life insurance covers you? Here is a complete guide explaining it in detail.

Will My Life Insurance Cover Death in a Foreign Country?

Having life insurance in place helps ease the burden of financial responsibility left behind in case of untimely demise. However, what happens if the insurer (you) passes away abroad? If the policyholder passes away while traveling abroad, the policy should still pay out. That, however, is not always the norm. Your life insurance agency may consider your…
Read More
Wondering what will happen if your life insurance agency goes bankrupt? Read on and learn all about it.

What Happens If My Life Insurance Company Goes Out of Business?

Even if a life insurance agency goes bankrupt, you will still be covered due to reinsurance contracts and government insurance requirements. When you purchase a life insurance plan, you want to feel confident that the insurance provider will continue to compensate your beneficiaries despite a downturn in the economy. Thankfully, the life insurance industry is highly…
Read More
Looking to file a claim with a life insurance company in Houston after losing a loved one? Read on and learn about the steps you will have to take.

How to File a Claim When You Lose a Loved One

A death in the family is one of life’s most heartbreaking losses. If your deceased loved one was the primary breadwinner for your family, you could also be dealing with substantial financial challenges as you grieve. One way to alleviate a portion of the financial burden caused by a death in the family is to…
Read More
4 Types of Life Insurance in Texas: Which One's Right for You?

4 Types of Life Insurance in Texas: Which One’s Right for You?

There are many different life insurance plans available, but they can all be broken down into two broad classifications: term and permanent. A term life insurance policy protects for a specific period (say, ten years). During that period, should you pass away, your beneficiaries will receive a payout, but once the term has ended, you…
Read More
Don’t know the difference between life insurance and life assurance? Don’t worry, we got you covered. Read on and learn about it all in this post.

Understanding the Difference Between Life Insurance and Life Assurance

Although there is a common misconception that life assurance and life insurance are interchangeable, there are important distinctions between the two plans. That leaves us with the question, how do life assurance and life insurance differ, and which is best for you? If you are contemplating purchasing an insurance plan, you must research and find…
Read More
4 Common Life Insurance Mistakes You Should Avoid at All Costs

4 Common Life Insurance Mistakes You Should Avoid at All Costs

54% of American adults had life insurance in 2020, as per LIMRA’s Insurance Barometer Study. There hasn’t been much of a change in the life insurance sector’s overall market penetration percentage during the past decade; however, it has been heading down. Although life insurance is a cost many people would rather avoid, it is essential for anyone…
Read More