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Life Insurance & Annuities


Life insurance can mean the difference between leaving your family with enough money to continue living in the same home, driving the same cars, living in the style and at the level to which they've become accustomed, or having to to fight for survival due to your sudden death.

There have been many horror stories about sudden and unexpected deaths carrying with them unplanned financial distress, all because of inadequate life insurance or none at all.

Many a widow and her children have been put out of the family mansion after dear old Dad dies without proper life insurance coverage, and assets are insufficient to maintain their customary life style. It doesn't have to happen if proper estate and insurance planning is done and periodically reviewed and updated.

Life insurance typically pays a lump sum of cash to the family or other designated beneficiary of the policy upon the death of the insured person. Corporations often buy life insurance to cover their lives of their key executives.



When buying life insurance, you'll want to consider your entire financial picture, and how much cash will be needed to pay debts and leave enough money to sustain your loved ones.



The amount of life insurance to carry is something you need to discuss with your insurance agent and financial planner. You'll want to consider your entire financial picture -- assets and liabilities -- and figure on making sure there is enough cash to pay debts and death expenses (funeral, burial, etc.) . Perhaps you'll want your policy to provide enough money to pay off the mortgage, and you'll want to be sure there is enough money left to minimize the impact of your death on your family.

Annuities are similar to life insurance in that they can be set up to pay periodic benefits beginning at a specified time, which can include death. Pensions, retirement plans, lottery winnings and some structured settlements are paid as annuities.

Annuities are issued by insurance companies and regulated as insurance. They are an excellent complement to life insurance and can provide the extra income necessary when the primary wage earner dies or is disabled.

Here are some companies that provide online quotes for life insurance:

InsureMe.com - Free life insurance quotes.


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Life & Health Insurance Articles

01/25/2007
Competitive Term Life Insurance - Updating Your Policy
If you are in your 40's and 50's, there is great news when it comes to competitive term life insurance rates. Let's take a look at how your situation could affect your life insurance rates.
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Disability Life Insurance - Some Tips On How To Buy
Although disability life insurance covers ourselves and our loved ones during good and bad times, it can be a very dry subject. We have therefore compiled a quick list to make understanding disability life insurance easier. 
01/25/2007
Mortgage Life Insurance Broker - Why You Need One
For those people who can’t afford the 20% down for their home, the lender will require you to carry mortgage life insurance to protect them in case you become unable to pay. For this situation, the mortgage life insurance is owned by the bank, not by you. You are paying for life insurance on your life for the benefit of the bank.
01/25/2007
Life Insurance Protection For 2007
Every year check your finances to make sure your money is invested properly and that you have adequate life insurance. We've all read the articles and brochures but, with the changing nature of the product and an individual's changing needs, it is always worthwhile to make sure your life insurance is working for you.



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