Guaranty Association Benefits Company

guaranteed life insurance

life insurance plans at the age of 100 guaranteed offer a guaranteed level premium to age 100, with a death benefit guarantee at age 100. usually this is done in a universal life insurance policy, with the addition of a feature commonly known as a "non-runner forfeiture. "Some, but not all, of these plans also include an" extension of the maturity "feature, which provides that if the life insured for 100 years, after paying" "non-lapse premiums each year, the value Total nominal coverage will continue on a guaranteed basis at no charge thereafter.

life insurance provided by the employer can be an easy and inexpensive way to get protection for your family, but if you lose your job? You may lose your life insurance benefits. And if you have an individual term life insurance policy in addition to the cover of your group, you may leave your family without any product at all. However, the group life insurance offers some advantages. Let's look at the pros and cons of life insurance coverage offered by the employer group:

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• The people with serious health problems can get coverage. the idea behind the band's cover is to spread the risk of claims on a large group of people. Everyone under the policy pays the same premiums, even those who are seriously ill because no medical examination is required.
• The age does not matter. The price of an individual life insurance policy term increases as you age, but no matter what age you are as an employee, you can get a group life insurance coverage at the same price as any the world, even those who are several years younger than you.
• It is inexpensive, convenient, and sometimes free. Most group life insurance policies are affordable and easy to sign up for because the work on the additional land is required. And some employers even offer a low policy rate of the benefit of free death.

Cons

• Selection of the plan and the support is made by the employer. your options are very limited as regards the coverage of life insurance group, it is important to ensure that you are fully aware of your life insurance needs when making the decision to opt for a group life insurance.
• Costly if you are young and healthy. Although group life insurance is usually affordable, you'll probably pay more than you would with a no term life insurance policy expensive if you are young and healthy. Why? Because the life insurance group, the mortality risk is spread over a large group of people, regardless of your own, and health factors and lifestyle.
• The coverage ends when you leave your job. There is nothing certain. In the unfortunate event that you lose your job because of bad economic times or leave due to a serious illness or disability, you probably have a very difficult time finding a new cover life insurance. Therefore, if you are young, relatively healthy and are looking for a cover for a guaranteed amount of time, an individual term life insurance policy is probably a better option.

But the most important thing to remember is to have some protection of life insurance is better than having no coverage. For a free quote term life insurance, contact a life insurance agent licensed to AccuQuote. In minutes, they can help you find the cheapest term life insurance that fits in the financial plan for your family.

Valentine's Day is over, but your love for those who are close to you never stops. The act of insuring your love (and make your loved beneficiary) may not be the most romantic gesture, but there is no better way to protect your loved ones and show them how you you feel.

If you love someone, show them you care - get a life insurance policy

1. financial security. The simplest reason why a life insurance policy is a must have. If it is your responsibility to ensure that the future of your family is safe while you are still alive and well, is that same obligation is not true if you are not there?
2. The loss of household income. If you contribute to the household income, losing suddenly that income would be devastating. In addition, there have to worry about funeral expenses, the service organization and everything that goes with the death of a loved one. We do not want to think about it, but this stuff really happens.
3. support loss. Stay-at -home moms or dads doing a very important job, even if they bring no clear monetary value on the table. This loss of support can lead to discard the life of the working partner and children plummeting. That's why insurance companies treat stay- at-home parents pretty much the same as their working counterparts.
4. Peace of Mind. A key advantage of having a life insurance policy is the security that comes with it. We as human beings are conditioned to worry about money, the future, and life itself, and to facilitate this concern by purchasing insurance means that life is much simpler.
5. Getting started early. Get a life insurance policy makes sense if you are 20, 65, or between. The younger you are, however, the healthier you will be, and your life expectancy, therefore, the life insurance premiums will be less expensive.

Although it is not Valentine's more, you can give the love of your life the gift of stability and financial security. So what are you waiting for? Simply fill in your details AccuQuote.com and let us help you find the most appropriate life insurance policy. Seeing as though it is Ensure your love month, what better gift to give? After all, love means never having your love lacking life insurance, right?

How would you respond to a job where you were expected to work 24/7 in different capacities, sometimes as a cook, sometimes a nanny, sometimes a nurse? That's exactly what has been announced recently, and only 24 people applied for the position. In the job interview, candidates were informed of their salary would be a huge ... zero! That's when everyone stepped back. But guess what? There are millions who are already working in these positions. One of them could work in your house. They are better known as parent .

Stay-at-home mothers every day and constantly manage and keep the house, care for children, and driving children to school and football games. Some even take the additional task of home-schooling their children. It is estimated that by Salary.com stay at home mother working 100 hours a week and if all services were added in monetary terms, they should be earning an annual salary of $ 0,000.

So here's something to think about: If the breadwinner must protect the family with life insurance, why not the spouse at home be protected? Take a look at some of the jobs you would pay if your spouse are no longer around: $ 9.00 / hour for baking, $ 14.00 / hour for driving, $ 10.00 / hr household, $ 9.50 / hour for child care, $ 22.50 for parts planning, $ 18.50 for coaching with homework, and $ 54.50 / hour for the CEO !

The term life insurance is extremely affordable and can work now just $ 1.00 per day. Do not put it to the average life insurance premiums may increase next year and go up as a person ages. There are health factors to consider too, and the longer you wait, more expensive it can be. Discover how a term life insurance policy would cost now

Another thing to consider :. Adding a care insurance rider on the long-term life insurance policy your mother would give him greater peace of mind, especially if it is an older mother. You can get more information about long term care insurance here.

August is here, and while I have left a child in college, it seems everyone wants to talk about this month will back to school. In that spirit, here's a quick life insurance education 101. In addition, below, I dispel some myths and confirm some facts about humanity produces the largest ever invented (which is right what else you can replace your income for pennies on the dollar and protect your family? the wheel was a pretty valuable invention, so I listen to an argument for that).

Group Life Insurance by your employer is sufficient

Fiction. while rates are low, the coverage you receive through labor is rarely enough. Most companies do not provide enough to take care of your family in case of your death. In addition, coverage is not portable, which means he's gone if you no longer work for that organization. Check with your employer about how much coverage you have, and you'll soon realize how much you need more.

You only need life insurance if you are married with children

Fiction. If you have someone depending on you financially, you need life insurance. In other words, if you died tomorrow, would anyone close to you be affected by the loss of your income? A customized life insurance solution is available for any time of life you are single, married, retired, married with children, stay at home mother, etc.

If you are a beneficiary and a death claim is filed, the money you receive is tax-free

Fact. In almost all situations, the money from the death benefit you collect is free from federal income tax.

Always take a medical examination if you want life insurance

Fiction. while you have to spend a term traditionally subscribed for review and permanent policies, there is coverage, you can get without having to undergo a medical examination. final expense whole life insurance is often available through a simplified process, and in some cases, with guaranteed approval regardless of health factors. Term and universal life insurance also comes in the form of simplified issue policies, offering $ 250,000 in protection quickly, without an examination.

Life insurance is too expensive

Fiction! This is where people get really hurt. Life insurance is one of the few products that is significantly less expensive now than 20 years ago (it is quite difficult to find with others - cars cost more, electronics and the technology cost more, homes and properties are more expensive). But the statistics really tell the story; a recent LIMRA / Life Happens study showed that consumers overestimate the cost of life insurance by nearly three times. This means you probably think life insurance costs WAY MORE DONE IT! This belongs to the Fiction section!

In January, we see a huge spike in the interest and the purchase of life insurance. Why? Well, one reason is because people have just completed a holiday season filled with family and friends. If ever there was a reminder of what family means to us how important they are for us it is the holiday season. Moreover, everyone wants to start the new year on the right (financial) foot.

Think about why health clubs are packed in January it is for the same reason (everyone wants to start the year healthy).

When you're family, you think about the family. And when you think about your family, you are more likely to want to protect

When you think about it, life insurance is not really about you. it is about ensuring that your family has food on the table when you are gone. It is about ensuring that your children can still go to college and a legacy is left. The holiday season and life insurance go hand in hand.

But while life insurance is actually on the family, it's not your family that propels you to hedge. Think about how many times have your children tell you, "Dad, I saw something on TV today about life insurance; when are you going to get coverage so me and my sister and mom are supported when you are not there? " This product is not just. It is on you to make this very important decision.

you certainly do not need to buy life insurance in January just because so other, but if something tragic were to happen tomorrow, then this blog would not suddenly become the most important thing you read? Think about it.

Happy New Year!

I never thought I'd be writing a blog post like this, but with the "holiday" (April 20 or 4/20) approaching it makes sense to talk about how marijuana use can and will affect your life insurance rates.

The fact is, most companies are still insurable you consider if you want to deliver, whether for recreational or medical purposes. However, these companies are more likely to put you in the "smoker" or classes "tobacco", which have rates as much as 4 times those assigned to non-smoking healthy. Of course, your rates depends also on other factors such as your health and lifestyle.

There are a few selected companies that will give you a non-smoker discount if you use marijuana only 1-2 times per month. There is no way that the average consumer is not favorable that companies treat marijuana smokers; That's why the comparison shopping and using a smart quote tool is so important.

As with any health condition or lifestyle choices, it is imperative that you are 100% honest and forthcoming about your request. If you are not, and they find your THC (the active chemical in marijuana) levels, your entire policy can and probably will be annulled or canceled. Worse, if you die, and they found out that you smoked, vaped, eaten, or marijuana in any way, your death benefit will not be paid.

You should know that if you use cocaine, heroin, methamphetamine, or drugs unauthorized prescription, you will be denied coverage. coverage Also, if you have been arrested for the sale or possession of marijuana, you will most likely be refused.

This is probably a good idea to stop smoking for a week or two before you get your medical examination. For more tips to help you get the best results of the review, see this blog.

All life insurance companies are different and they will quote differently. Therefore it is ideal for shopping on the market. At AccuQuote, we do this for you

Update :. Discover our new post on how the use of marijuana affects your life insurance rates

Did you know that there are life insurance benefits, you might be able to take advantage of without dying ?

it is true!

life insurance is a stunner, and a feature called the accelerated death benefit can make it even more valuable than most people realize.

the concept behind the Accelerated death benefit is simple: in certain circumstances, your life insurance company may give you a cash advance against your death benefit. You can use the money to cover medical expenses, pay for a family vacation or make the most of the time you have left.

Some life insurance policies include a driver automatically accelerated death benefit. On others, it is a characteristic of optional add-on (called a runner) you might have to pay extra for. Each insurance company does things differently.

"I'll never forget the phone call from his wife ..."

The Accelerated death benefit can provide a huge relief during a very difficult period.

In the video below, Howard Weissman, one of the experienced professionals here to AccuQuote, shares a touching story which shows the extent of the impact of this provision can have on a family.

provision of accelerated Rider deaths can provide living benefits if the insured is diagnosed with:

1. Terminal illness
2. chronic disease
3. serious illness

terminal illness has been a feature of providing accelerated death both term and of permanent life insurance policies for many years, while chronic and critics were added primarily to permanent life insurance policies in recent years. Very few long-term life policies offer a chronic and critical that riders accelerated death. This will likely change in the coming years.

Call us at 800-442-9899 to see if your current coverage has accelerated function of the death benefit. We will review your policy free!

briefly Let these little-known features.

1. Terminal Illness

Terminally Ill means that the insured has a medical condition resulting from bodily injury or illness, or both, which should result in death within 12 months of diagnosis (most insurance companies range from 12 months). This is the most common accelerated death benefit feature available in life insurance policies these days, and has been around for many years.

The video above talks about a disease scenario terminal.

2. chronic disease

Chronically Ill means that the insured is unable to perform, without substantial assistance from another person, the least two of six "daily living activities" ( eat swimming Dressing Go to the bathroom transfer , the ability to stand, walk across the room and sit down, or continence , which is the ability to control bladder or bowel movements) or requires substantial supervision by another person because of severe cognitive impairment. This assistance is often referred to as long-term care - and it's CHER

Approximately 70% of over 65 elderly people will need access to long-term care at some point

3. serious illness

seriously ill usually means that the insured has been diagnosed with one or more of the following health conditions (this definition may vary slightly between insurance companies)

• heart attack
• race
• cancer
renal failure
• terminal
• graft major organ
• amyotrophic lateral sclerosis (ALS)
• blindness
• paralysis.

The accelerated death benefit can prevent you from becoming a burden on your family when you start having trouble taking care of you. It can also you and / or protect your family to deplete your savings and ruin you!

Call 800-442-9899 today to learn how you can take advantage of life benefits of life insurance. You can also get a free quote here. You and your family will be glad you did.

As you know from my first book recommendation tranche from time to time, I am so moved by a book I feel compelled to say someone I can about it. Around the office, some call it "Byron club."

The Ultimate Gift by Jim Stovall is my latest.

in other words, he was impressed he inspired me and the lessons I tell my kids all the time reinforced - be a good person. then a better person; and always work hard and never feel right. it also reminded me how important it is to be a student of life and be grateful.

the story focuses on a rich man dies and leaves his great nephew anything ... except the Ultimate gift. I will not give too much, but let's just say that the gift is one that keeps on giving (much like life insurance!). the messages of the great nephew receives along the way are beyond value.

this is fiction, and the clever fiction that. in the real world, the best gift we can usually leave our family after death is ... you guessed it, MONEY! If I can leave my family financially secure after my death - and I intend to do that - then I will die a very happy man

Take a few minutes and get a free quote . ; which is the first step to give your family a very special gift on the road. And speaking of gifts, present in the world is the newly redesigned AccuQuote.com ! We packed the site with informative videos, easy to use tools and calculators and content more useful than ever. We would like for you to check it out!

Jason Sherman - "You must be prepared"

Jason and Nicole Sherman had the perfect marriage. They have two great kids. Jason was a great sales job and Nicole ran her own daycare at home. Things could not better. Until they do not.

On a cold, dark night, Jason and Nicole were driving home on a stretch of pitch-black road, when suddenly, two cars whizzed by them to the next level, and within seconds the two riders spun and crashed. Jason, who had a training EMT (emergency medical technician), is out of his car to offer assistance with Nicole close behind.

When Jason found that the two pilots would be well, he sent Nicole back to their car. That's when tragedy struck. A pilot unsuspecting Nicole accidentally hit while crossing the road, instantly killing.

When a loved one dies so suddenly, survivors suffer immeasurable loss. All changes. Certainty is replaced by uncertainty ... ten times . Besides the emotional upheaval, there are new financial pressures rear their ugly head. Nicole loss of income over the newfound responsibility of providing for and raising two girls alone was not something Jason never saw coming.

Fortunately, when the children were young, Jason decided that the family needed more life insurance. As they both worked, increased its coverage Jason and Nicole has a political as well. Although money was tight, Nicole wanted her husband and children to be protected in case something happened to him.

life insurance Nicole was a godsend. Not only using the extra money to keep their finances stable and allow Jason to spend more time with his family, but it also provided something else. "It gave me time," says Jason. "You really have no idea when life will change."

To hear more of Jason's history, watch this video.

AccuQuote account executive Jason Howes was with for seven years AccuQuote A devoted family man, Jason loves his job.. he likes helping people life insurance they need.

1) How long have you been with AccuQuote? I've been with the company for seven years from May 2016.
2) How did you start selling life insurance? I was tired of working retail jobs and wanted to try something new. so I decided to start selling life insurance, and I just stuck with it.
3) What is your most memorable interaction with a policy holder ? the most memorable experience with a long-term conversion (of life in the long term to the policy of lifetime) case. It was early in my career as an agent. I walked the couple through all the paperwork and took a policy converted to $ 1.1 million. This is a big deal.
4) What do you like most about your job? I'm good at what I do and I really enjoy helping people.
5) Why do you think that life insurance is important? Life insurance gives people protection against the unexpected turns of life. Because we never know what is just around the bend.
6) What do you think is the best product or more useful than the insurance AccuQuote offer? Permanent life insurance. For all other types of insurance, there is a question of "if". Permanent life insurance is different because it is the only insurance policy that guarantees that there will be a demand at a given time. We can have car insurance and never have an accident. We can be assured of homeowners, but never experience a fire or flood in our homes. But one thing is certain ... we will all die. Thus, permanent life insurance is an essential thing to do.
7) What are your hobbies? I love golf, games and most other sports.
8) What is your favorite book? "Green Eggs and Ham" by Dr. Seuss. You might think it is a stupid choice, but just read to a child of five years and see how the face of this child on. He is incredible.

For more information on Jason, watch this great video.

Forrest Wold-McGimsey - "Not enough time"

life can change in an instant. Things happen. And sometimes not for the better. As the tragic loss of a parent. And when a mother or father dies before their time, the survivors are in a world of hurt. But how do you deal with this injury when you are aged only ten years?
Meet Forrest Wold-McGimsey. He and his three brothers grew up in an idyllic small farm in Colorado. His parents, Sarah and Brian, surrounded by their children with the love of nature and life itself.

At ten, Forrest's life was changed forever when his mother was diagnosed with breast cancer. Sarah bravely fought against his cancer, but finally succumbed to the disease four years later.

tragic and devastating loss of family was aggravated by the fact that Sarah had no life insurance. Brian had always intended to get more coverage, but kept putting it off.

The impact of not having enough life insurance were felt relatively quickly. The family had to move out of their home, and Forrest (14 years) had to go to work to help support the family. "We learned a very valuable lesson about the importance of life insurance, but we paid a dear price for it," said Forrest.

Unfortunately, this story is an all-too-common occurrence. The breadwinner has life insurance, but the caregiver does not. As Brian, many people procrastinate simply to obtain additional coverage. But the parent who stays at home is as much heavy lifting as the one who goes to the office. If you pay someone else to do all the work still to do the homer (maid, chauffeur, coach, etc.), it would cost as much as $ 125,000 a year.

Ensure your spouse is an easy and affordable way to ensure your family is protected against the economic difficulties that may occur with the unexpected passing of a parent. This additional layer of protection can help keep families in their homes and help cover other exceptional expenditure. It is a win-win all the way. Something to think about.

To hear more of the story of Forrest, watch this video.

top 20 life insurance companies

According to the Insurance Information Institute, the twenty / Health Insurance Top US Life Groups and companies with 05 revenue ($ millions) are:

1. MetLife (turnover) $ 46.983 - (assets) 481 645
2. Prudential Financial $: 31708-417776
3. New York Life Insurance: 28051-153952
4. TIAA-CREF: 25917-399161
5. Life Insurance MassMutual: 22799-138365
6. Northwestern Mutual: 19221-133057
7. AFLAC: 14363-56361
8. UnumProvident: 10437-51867
9. Guardian Life of America: 9377-36880
10. main Financial: 010-127035
11. Assurant: 7498-25366
12. Thrivent Financial for Lutherans: from 6.10 to 54.932
13. National Lincoln: 5488-124788
14. Pacific Life: 4.840 to 86.977
15. Conseco: 4327-31557
16. Western & Southern Financial: 4314-2021
17. Jefferson-Pilot: 4220-36078
18. Mutual of Omaha insurance: 4051-16441
19. Torchmark: 3.126 to 14.769
20. Unitrin: 3048-9198

AccuQuote works with insurance companies highly rated -life to provide you the best values ​​of some of the strongest companies in the industry.

The death of a loved one is a difficult subject for almost everyone. We have prepared a very useful checklist of things that must be done when someone dies, and we hope you take the time to read now so that when the time comes you'll be better prepared. You can also print the page and place it with your important papers for future reference.

So how do I know if someone had life insurance?

When it comes to finding out if someone had life insurance, you should contact the deceased's life insurance agent. In most cases, life insurance companies only require two forms for proof of claim: the declaration of an applicant and a death certificate or statement from a doctor. The applicant's statement should be supplemented by the beneficiary.

If you are the beneficiary, you'll face crucial financial decisions at a time when you might be less willing to make sound financial decisions. To add to the load, the amount of money involved can be very large. For this reason, some life insurance companies offer a type of account money market interest bearing that allows you to write checks against your benefit proceeds on the same day you receive your checkbook.

This provides instant access and complete control of your product, then they earn a competitive interest rate and a capital guarantee by the insurer. It gives you the time to assess your financial situation has changed and talk things over with your trusted advisor

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If you want to make it as easy as possible for your loved ones whether YOU have life insurance and file a claim with the insurance company, the video below has some helpful tips for organizing your documents.

Most insurance companies offer you the right to choose among four payment plan options pay your life insurance premiums: once a year (per year), twice a year (every six months), four times a year (quarterly), or twelve times a year (monthly).

But did you know that paying your monthly insurance premiums can cost you much more in the long run than paying every year or even every six months? That is true! In fact, you may be charged interest as much as 29.7 percent by paying monthly.

Here's an example ...

At 30, male has the choice to either pay $ 500 per year for a $ 500,000 insurance policy term 30 years life OR to 12 monthly payments to $ 45 each, totaling $ 540 per year.

by choosing the monthly option, it pays an annual rate of 17.2%! This extra money adds over the years! Think about it ... instead of paying monthly, you could put that extra money aside each month to save for a rainy day!

To see how you can save a significant amount of money on one of your life or other insurance payments, visit our calculator April Pay annually rather than monthly could be the biggest financial decision of your life .

If you are interested in learning more about the monthly payment over a year, call a life insurance agent licensed to AccuQuote. You can also contact a free life insurance quote best term life insurance companies in the country.

You probably already have a good idea about the factors that affect your car insurance premium rates and coverage. But how do you differentiate between truth and fiction? The Insurance Information Institute (I.I.I.). eight dispels common car insurance myths.

Myth 1. Color determines the price of car insurance

It does not matter if your car is red, green or purple. What matters is the type of car you select. Before buying a new or used car, check into insurance costs. Car insurance premiums are based on the make, model, body type, engine size, vehicle age, the age of the driver, driving record and credit history. They are also based in part on the sticker price of the car, the cost of repairing and its safety overall record, and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft. These include daytime running lights and anti-theft devices.

Myth 2. It costs more to insure your car when you get older.

M all over 55 drivers can get discount auto insurance rates, usually for three years, if they successfully completed a course accident prevention. Insurance companies will generally provide up to a 10 percent on car insurance , but check with your provider before you sign on. mature driving courses are available through local agencies and state, as well as AAA and AARP. You can also check with your insurance agent to find out which defensive driving courses are approved by your insurer. If you are retired or are not employed full-time, you may also be eligible for a discount of up to 5 percent of your auto insurance. Age for this type of discount vary by state and vehicle insurance.

Myth 3. Your credit has no effect on your insurance rates.

Your insurance based on credit score is important. An insurance score is a measure of how you manage your financial affairs, not your financial assets. Many insurance companies take your insurance score into consideration when you want to purchase, change or renew your auto insurance coverage. Because most people have good credit, and insurance scores are derived from a person's credit history, most people pay less for insurance when insurance scores are entered the price equation.

Myth 4. your insurance cover if your car is stolen, vandalized or damaged by falling limbs, hail, flood or fire.

comprehensive and collision coverage are option covers. Lenders often require drivers to purchase a comprehensive and collision coverage as a condition of a car loan agreement. Those who drive older cars sometimes drop these coverages as a way to save money. If a car is worth less than $ 1000 or less than 10 times the insurance premium, purchasing the optional coverages may not be cost effective. But keep in mind, you need to purchase both collision and comprehensive coverage in order to fully protect your vehicle from all types of damage.

Myth 5. You do not have the minimum amount of auto liability insurance required by law.

Almost all states require you to buy a minimum amount of auto liability coverage. Chances are you will need more liability insurance than the state requires because accidents often cost more than the minimum limits. In the litigious society today, purchase the minimum amount of liability means you are likely to pay more out of pocket for losses incurred after an accident and the costs can be steep. The groups of the insurance industry and consumers generally recommend a minimum of $ 100,000 of protection of personal injury per person and $ 300,000 per accident.

Myth 6. If another person drives your car, its motor insurance cover if they get into an accident.

in most states, the auto insurance policy covering the vehicle is considered primary insurance, which means that the car insurance company for the vehicle must pay for damages caused by an accident. Policies and laws differ by state, and you should familiarize yourself with these differences when allowing another person to drive your car.

Myth 7. Soldiers pay more for insurance than civilians.

No matter which branch of the military you are, you are eligible for a discount on auto insurance. In some situations, you might be able to have your commanding officer make a phone call on your behalf, but for most auto insurance companies, you will need to provide documentation that lists your name, rank and the time you will be enrolled in the service. This allows insurance companies to determine how long you'll be eligible for a military discount. Many car insurance companies offer discounts for former members of the military and their families as well.

Myth 8. personal auto insurance covers both personal and business use of your car .

If you are self-employed and use your vehicle for business purposes, personal auto insurance may not protect you. While auto insurance tailored for companies can be more costly than a personal policy, one of the best ways to keep your auto rates down is to have a good driving record. If there are other people using your car, they must have good driving records too. Check the records of your employee drivers at least twice a year to ensure they maintain a good driving record.

For more information on saving money on car insurance go to the website of I.I.I ..

Women live longer than men, a fact of life for many insurance companies had ignored until last year when calculating insurance premiums of long term care (LTC). Since April 2013, the new pricing systems consider women a greater risk for LTC than men. Not only do they live longer and are more likely to need LTC, but statistics show they may need long-term care for longer. Because of this, women now have to pay a 20 to 40 percent of their health care insurance costs long term, unless they live in Colorado and Montana, where the unisex pricing is applied by 'State. How women can still get affordable insurance policy LTC

Here are some tips to keep in mind:

• buy long-term care as a couple . autonomous political LTC insurance is expensive. A plan of "shared care", however, is a good option. It allows a couple to double the lifespan of their policy without paying extra.
• shorten the benefit period. According to the Centers for Disease Control and Prevention (CDC), the average time spent in nursing homes is 835 days (approx. Two years and 3 months). So instead of investing in a LTC policy with a period of 6 to 10 years of benefits, consider one with a period of 3 years of benefits.
• combined policies. care insurance can be sold as a rider on your life insurance policy. LTC makes it much more affordable. With a combo policy, while LTC costs you may incur are taken on the death benefits.
• stay healthy. If you've adopted a healthy lifestyle, you can qualify for the best rates! It could earn you a discount of 10 to 20 percent each year.
• If you own a business remember to take advantage of tax saving benefits of your LTC insurance.

Last but not least, while most insurers consider sex to determine insurance rates, there are other factors that can cause significant savings when you comparison shop. For this reason, shopping with AccuQuote to get the best quotes from dozens of leading insurers.

In the rear to swirl school we are, I thought I teach the readers of this blog on a group I am very familiar with: baby boomers. How familiar? Well, I am one! At 56, I am a full Boomer!

Many people do not even know what defines a Boomer, how a large group, we are or what we are. Well, we'll change it. Here's a quick education on my people (stats courtesy of CNN.com)

• Baby boomers are defined as those born between 1946, the end of the Second World War and 1964 (I came into this world in 1958)
• There are currently about 77 million baby boomers in this country
• in July 2011, baby boomers represent about 25% of the total population the United States!; we are a force to be reckoned with!
• 10,000 Boomers turn 65 per day (Happy birthday to my brothers and Boomer sisters!)
• The baby boomers want to take control, as this is the way they have lived their whole lives (I should know, remember, I'm one!); when it comes to planning and implementation and financing of end of life wishes, we Boomers naturally want to control it as well!

AccuQuote is there to help Boomers (or anyone else!) Make plans to pay final expenses. Life insurance can be the perfect way to cover these costs and remove the burden of your surviving family members.

We can get you a final expense policy quickly and easily!

Tax time (15th April) is still a few months, but it will roll around before you know it. And while it may seem early to talk about tax is there ever a bad time to save money?

Did you know that the smart planning at the beginning of the year (aka NOW!) Can lead you to pay Uncle Sam less, come April? Well, it's true. Just follow these tips:

Save now looking forward

Contributing to retirement and savings plans early and often. Plans such as 401 (k), an IRA and a 403 (b) permit not only a pot with tax-deferred earnings that multiply over the years, but these options also reduce the amount of taxable income for 'current year. The deadline to invest in workplace retirement programs is December 31, but if you missed the deadline for 2014, you can still contribute to a traditional IRA until April 15, 2015.

Give and get back

charitable donations are tax exempt, so be sure to collect all receipts of donations from 2014. this way you have evidence to support you do not pay taxes on charitable donations you made during the previous year.

Make sure you are covered

I speak not only of the life insurance here. The Affordable Care Act (Obamacare) means that you pay a tax penalty every month you do not have the minimum health insurance coverage required by law. And your life insurance The policy can also provide tax benefits, because if you have a policy with a rider of cash value, any growth in the value of cash is tax-deferred. Even if you take a loan against your policy, the loan amount is tax free. Finally, and perhaps most importantly, your beneficiaries will generally not pay federal income taxes on death benefits, if payment is $ 10,000 or $ 10 million.

There are not a financial adviser on the planet worth his salt who does not recommend diversification.

diversification of asset classes. Diversification within asset classes. "Never put all your eggs in one basket," they say.

Why? Because it minimizes risk and smoothes bumps in the road by reducing the volatility of the value of a portfolio.

So what is missing?

The life insurance. life insurance is a different financial instrument of any of the foregoing. It is an asset class which has characteristics which perform far better in certain circumstances, all of the above. and while a portfolio perfectly allocated otherwise perfectly balanced can protect against certain types of risk, it fails entirely to you protect if not the time to perform.

Take Bob, 50, who has no life insurance, but stocks, bonds, real estate, and money . experts say that Bob and his wife will have plenty to retirement when he turns 65. But if Bob dies tomorrow - no matter how well diversified it thinks it is -. Its financial plan will have failed

Life insurance is the only way to protect against the possibility that you might not be there to see your flower investment, not including life insurance exposes your portfolio to significant risks.

Which asset class other than life insurance, guarantee turning pennies into dollars? The fact is, the chances of death are 1 of ONE ... that is 100%! We do not know when. And if that happens before the rest of your portfolio has time to do its work, your financial plan has failed, at least compared to your spouse, children and grandchildren.

Added a life insurance portfolio -looking at is as an asset class that provides what I call TIME DIVERSIFICATION -is the only way to protect against the very real possibility that you may not have time to finish the job. NOT including life insurance in a portfolio exposes the portfolio to significant risks that might otherwise be entirely eliminated. I'm going to say that, on the basis of market statistics, and my almost 30 years of experience, it may be the greatest control of our time.

Take a look at this link to Investopedia, which examines different types of different risk and diversification. They totally ignore the time as a risk and speak no time diversification. It's amazing to me that the paradigm of well accepted diversification could overlook this critical risk factor. But again, there are not so long that everyone thought the earth was flat and the sun revolved around the earth. It always takes time and lots of energy to change a paradigm.

The fact is, if you happen to die before his time, life insurance is an asset class that offers a return on investment (ROI) to death is impossible to match. And even if you happen to die when you are supposed (to your life expectancy actuarial) and its returns are always better than long-term zero coupon bonds. In fact, the return on investment to death, life expectancy is actually higher than the insurance company earns on premiums.

Life insurance is unfortunately the most universally misunderstood financial product on the planet. But when you really look at the numbers, it really is not difficult to understand.

I ask you, do you think it is likely or even possible that you or I will live long enough to make a bad deal on a life insurance policy? I do not think so.

And when you die, then you will probably leave many different assets, life insurance is by far the cleanest. When properly configured, the life insurance product are paid in cash within days, returned to properties and tax-free, are not subject to the costs and complications of the approval and, as such, may be immediately deployed for living expenses or other investments.

September is Life Insurance Awareness Month . Even though I feel that every month should be the life awareness month for insurance, I embrace you all the chances to hit the drum about the most important man of the product ever created.

I will say, however, that the Life Insurance Awareness Month generally brings with it some interesting and compelling statistics. Here are three that caught my attention (and my concern!) This year:

(These figures come from the study of Barometer 2015 conducted by Insurance and Life Happens LIMRA.)

Troubling Stat # 1

Less than 3 in 5 (57%) have a kind of life insurance. 12% of Americans only have policies through their employers. If these people never leave this job, they may lose their coverage.

This is the lowest participation rate in this country has seen in 50 years! last I checked, the death rate has not changed (in other words, there are still 1-1 luck you will die!) ...

Troubling Stat # 2

If the primary wage earner died, 50% of US households would feel the financial impact in the year. In total, 43% would feel the crisis in six months or less.

Despite this, 56% of all Americans have absolutely no intention of buying a life insurance next year. Another 19% are "somewhat likely" to buy.

What's wrong with that?

Although most people seem to understand the importance of life insurance is that many of them continue to put others before financial decisions to protect their families. For example:

• 22% of people rank of daily leisure activities as a priority before purchasing a life insurance
• 49% admit that such expenses as the Internet, cable and cell phone bills are a higher priority for them than life insurance

My question is, what could be more important than protection your family?

Troubling Stat # 3

most consumers do not know how much life insurance costs :. 80% of respondents overestimated how much they would have to go through a significant amount

One of the main reasons people do not buy life insurance is because they think it will cost too expensive. But it is actually much more affordable than most people realize.

When asked how they thought that good health 30 years would pay for a 20-year $ 250,000 level term policy, they guessed $ 400 per year. About April 1 guessed it would cost at least $ 1,000 a year! In fact, the cost would be about $ 0 per year.

What you gonna do?

If anyone depends on you financially, you probably need life insurance.

If you are afraid that it will cost too much to get the right amount of coverage, now is the perfect time to find out exactly how much you'll have to pay. There is a 80% probability, it is much cheaper than you think!

It will not cost you a dime to find out how affordable life insurance can be for you. Click here for a free quote. Or if you prefer to speak to a live person, call us at 800-442-9899.

The death of someone you love is one of the most stressful experiences anyone can go through.

No amount of money can not even come close to replacing a human life, but I saw how financially devastating it is when someone dies without Insurance -life. It is not a pretty picture.

It is essential to determine how best to manage the money that is left to you by the deceased.

A study in 2014 found that the average family spends insured death benefit in all three years. Careful planning and a little discipline can help to avoid running out of money too soon.

Every situation is unique. Your family size, income, short and long term objectives, the nominal value of the life insurance policy, etc., will help shape the plan you come up with.

The purpose of this article n 't provide advice in depth investment. You can contact your financial advisor before making any big decisions. That said, I am a Certified Financial Planner (CFP) and a Chartered Financial Consultant (CHFC), so this is familiar territory for me.

Depending on the specifics, there are three ways I recommend my customers "invest" their death benefit:

1. annuitize delivery

for some people, it makes sense to spread the money over a longer period of time instead of taking a single lump sum payment. For these people, the advantage annuitizing is a great option.

You can structure payments so that you receive a check each month for a specified period of time, or you can receive payments for the rest of your life, guaranteed. Watch the short video below to learn more:

I often suggest this to people who are in search of guaranteed income and safely, predictable growth, no matter how crazy the economy gets.

Since this is a big topic, I will share this post into two parts. Stay tuned for the second tranche!

Happy New Year!

Born and raised in the suburbs northwest of Chicago, Account Executive Alex Schrift has a BA in history of the University of Western Illinois.

1) How long have you been with AccuQuote? I started AccuQuote in June 2013.
2) How did you start selling life insurance? I started my insurance career working on cases of Medicare supplement. After doing this for a while, I find my way to AccuQuote, where I was welcomed with open arms.
3) What is your most memorable interaction with a policy holder? My most memorable customer was a woman that I had to sell a policy, but had to inform him that, if the insurance company has approved, premiums would be higher than the initial rate I had quoted him. But since the price was a little more than she expected, she now plans to cancel the policy altogether. I was afraid because she had two small children at home and no policy to protect his family in case something unforeseen happened to him. Around this same time, one of my good friends was killed in a terrible car accident in 21 years With this fresh in my mind, I said that no one thinks that their life will be cut short so young age. Fortunately, my friend's parents had life insurance, which helped pay the funeral expenses and other expenses. I told him that I care if she bought a life insurance from me, but someone should get coverage. About ten minutes later, she called me back and told me to send him the policy. I was so delighted with his decision. Life lessons, like the death of my friend, are a constant reminder that what I do can help make a difference in people's lives.
4) What do you like most about your job? I think I have one of the best jobs in the world. I help families every day to ensure that when they left, those left are supported.
5) Why do you think that life insurance is important? Life insurance may be the most important product in the world. No member of the family, no friends, no person can adequately replace your family, but life insurance can help. The loss of income of a spouse can be overwhelming, but life insurance is the only product that can intervene at the right time and provide the necessary financial support when you need it most.
6) What do you think is the best product or more useful than the insurance AccuQuote offer? I think one of the best products we offer is a political "Return of premium". This is a win-win for the consumer. You pay your life insurance over a defined period of time (20, 25 or 30 years), and if you are alive when the contract ends, you get every penny back. If you must go, the family receives the death benefit. This type of product guarantees that if the consumer lives or dies, the family will win in the end.
7) What are your hobbies? I love baseball. I'm a big fan of the Chicago Cubs. I try to attend a few games each year. I also love the camp and experience the outdoors.
8) What is your favorite book? "Way of the Warrior Peaceful" by Dan Millman.

For more information on Alex, watch this great video.

Account Executive Jason Howes was with AccuQuote for seven years. He loves his work and enjoys helping clients get life insurance they need. "Life insurance gives people protection against the unexpected turns of life," Jason said. "Because we never know what is just around the bend."

Jason loves his family and loves to read "Green Eggs and Ham" to his children. Click here to read the projectors agent video below.

Ed Katz - "Do the Right Thing"

AccuQuote review of the AE policy specialist Ed Katz been in the insurance industry for over 17 years. His personality and easygoing policy expertise helps customers better understand the hundreds of insurance products available to AccuQuote. We recently sat down with Ed for a cat.

1) How long have you been with AccuQuote? Since August 2015
2) What do you like about your job? Knowing that I am financially protect families and save lives. Any loss of income is devastating. It all button. I love the peace of mind of being an agent gives me. I have an ability to take a complicated product (and process) and explain it in language that is easy for people to understand.
3) Why do you think that life insurance is it important? Because it saves families by giving them money when they need it most. No other product can make that life insurance can. Life insurance always what you think it will do. No surprises or disappointments. It is designed to give you money while you are alive, protect your family financially, and when you die, there will be a salary for your loved ones, so they can survive and continue to maintain the same standard of living that they were used to. As we all know, the bills keep coming regardless of any family tragedy or misfortune. There mortgage and rent, deductible medical insurance and co-pays, prescriptions, utilities, gasoline and so on. Life insurance can help fill some of these gaps financial
4) What is your favorite quote "No legacy is so rich as honesty." -? . William Shakespeare
5) What does this quote mean to you Someone said :? "Honesty speaks the truth about what we did, but the integrity is to follow what is said that she would." I firmly believe that.
6) Could you explain more? I believe that integrity must be based on moral principles. Integrity is to make good choices. Doing the right thing because it is the right thing to do. And if you want to make sure what is the right thing to do, ask yourself these three questions: "How this decision will affect other" "Am I considered how this will make others feel" " will I be proud to tell my parents and teachers I do that? "
7) What music do you listen? Steely Dan and jazz music.

For more information on Ed, watch this great video.

Over 80 percent of Americans are in debt, with the average credit card owner called unpaid costs about $ 10,000 in any given time. But if the debt is created - and paid - properly, then it can be an asset and not a burden

So if you use your credit card to pay your monthly insurance premiums.? It is not a simple decision, but there are a number of reasons why it would be a good idea. For example, if you can pay in full payment by credit card or almost in full at the end of each month, then pay your insurance payment is not a problem. If you tend to miss payments and decide to set up automatic payments through your credit card, it is a better idea to let your insurance lapse because you forgot to pay the bill. In addition, if there is no other way for you to pay for insurance, then go ahead and put it on the credit card. It is best to engage the financial costs of being caught without insurance in case of emergency strike.

However, it is best to work out a monthly payment plan for other major emergency expenses such as medical and dental expenses, and save the credit card charges for purchases you will able to pay for the foreseeable future.

For the purposes of pricing policies, temporary life insurance companies use one of two methods of calculating the age of the insured. "Real Age" is the terminology used by most laymen to describe their age - for example, they are 36 until the day of their 37th birthday, by the time they are 37. "attained age" or "the age closer "is the terminology used by the majority of life insurance companies in North America. Both terms mean the age you're closer. Once you are past your half birthday, they consider you age, you will be on your next birthday.

According to the insurance company, the policies are based on either your "last age" or "nearest age. "The" police Date "(the date coverage begins officially) is the date that will determine your age based on one of two methods.

If we do not specify otherwise, the company insurance will usually issue the policy rate matching whatever your nearest or actual age at the start date of the policy

. It may take several weeks to complete the process and we need to anticipate what will happen for two important reasons. We need to give you the best advice on the selection of a political date so you do not end up paying more than you need for your coverage. We also need to inform the insurance company about what our expectations are from the date of issue so that was can avoid unexpected price changes due to age changes that occur during the underwriting process.

It is quite OK and legal back-date the "police day" up to six months to save your age and save you money. Although we will not do so unless it saves money in the long run, understand that when we back-date to save age, your first insurance year will not be a full year, even if you pay for a full year. In exchange, you get to pay the price of someone a year younger for the rest of the years you own the policy. We'll crunch the numbers in both directions, and to make a meaningful recommendation one way or the other. The choice, however, is always yours. Backdating is not mandatory, just smart in certain situations.

Did you know that life insurance can help you plan your retirement? There are some ways life insurance comes in handy when you set your retirement goals. Think about it ... if you die before your spouse or other family members who depend on you for financial support, your retirement savings account may not be enough.

This is why it is important to include life insurance in your overall retirement plan. Here are three ways life insurance can help you plan for retirement:

1. die Prevent your retirement plans when you - If you die before retirement, your survivors may miss both your salary for living expenses and the money you set aside for the future. People who die prematurely have not had much time to establish an investment program that can really pay. If you have enough life insurance can help pay the expenses of your family may still be there for retirement your spouse
2. Supplement your retirement income -. Suppose your circumstances change and you have no one who needs the product of a death benefit. With a permanent life insurance policy, you have the ability to make policy and to supplement your retirement income with the funds that have accumulated in the account of the cash surrender value.
3. Preserve your real estate assets for your survivors - If you have accumulated a large estate, life insurance can help pay the estate tax bill uncle Sam, preserving assets for your heirs. Or, if your estate is modest, life insurance can provide a legacy for your children and grandchildren, even if you use most of your assets during your retirement years.

Learn more about how life insurance plays a role in all major life events in life happens.

for more information on permanent insurance or long-term life, and for a free estimate of duration life insurance, contact one of the licenses to insurance agents AccuQuote life today. They can help you get your plan started, while long-term life rates are still near record lows!

Insurance costs vary and depend on a number of factors. The age, sex, medical history, occupation and location are some of the factors that go into the calculation of insurance premiums.

Take precautions and cutting bad habits or improve certain lifestyle defects can lead to lower rates.

factors that cause a higher insurance premium rates

1. The smoking or tobacco use. one of the most expensive habits you may have, wise-prime. A cigarette smoker on average may be asked to pay up to 50% more than non-smokers. Quitting smoking will help bring your rate down, but only after a long observation period. Most insurance companies expect at least 1 year before offering a partial refund, and a full three years before allowing parity in terms of premium rates.
2. obesity. By itself, obesity is not a cause of an increase in premium rates, but because most often results in heart problems and / or diabetes, it is considered a decisive factor for the calculation of insurance premiums obesity. If your body mass index (BMI) is a little more than what is considered healthy, your contribution rate will reflect. It is advisable to ensure you are not overweight when go into your medical examination and make sure that your recent medical records do not refer to obesity or because they will be checked.
3. Other medical conditions. cancer, cholesterol, asthma, cardiovascular disease, and even depression can disrupt your contribution rate drastically. All that is indicative of a poor health history will be detrimental to your insurance premium. The evaluator will review the history of your family, too, because some diseases such as diabetes and thalassemia have been known to pass by hereditary or genetic means.
4. Driving records. driving record of an individual is taken into account for calculating life insurance rates. If the individual in question has a propensity to violate traffic laws, it is assumed that he or she is a greater risk in terms of life expectancy, and the premium will certainly reflect. The most innocuous violations such as parking tickets will generally affect insurance rates, but accidents and serious offenses will be.
5. Occupation . People with more dangerous such as motor sport racers jobs, drivers and construction workers are more likely to encounter a fatal accident at work. Therefore, they will pay more. The dangers you put in on a daily basis will definitely affect your insurance rates.
6. extracurricular activities. Your hobby may also have an impact on your insurance rates. If you like sky diving, bungee jumping and other recreational activities that might be considered risky or dangerous, they will end up costing you.

These are the main factors that affect your rates. With AccuQuote.com, simply fill in your details and we will help you run through dozens of major carriers to find a policy that best fits your lifestyle.