Account Executive Tracy Anderson is one of AccuQuote team since October 2014. When her ex-husband died several years ago, it does no life insurance, which left Tracy and her children with a mountain of bills. So one of his missions in life is to ensure that all customers can get the coverage they need, so they'll have the security and protection that life insurance can provide.
"I'm a 'person' and I love that I get to talk to many different people every day," said Tracy. "Yes, we all know that bad things happen to good people all the time ... but at least I can assure you that the families that are left will suffer a financial loss as a result of a loved one to leave this world too soon. "
If you want to know more about Tracy, watch this great video.
Howard Weissman - "We prevent people from losing everything" -
Sr. Customer Service Specialist Howard Weissman was with AccuQuote 17 years. Howard is a strong supporter of its customers and is very passionate about life insurance.
1) How long have you been with AccuQuote? I am now 17 years. 2) How did you start selling life insurance? I had been selling health insurance for several years and was looking for a change. 3) do you have any personal experiences that could have led you to a career in life insurance? I had a friend who died of a massive heart attack at age 38, leaving a wife and three children without insurance, a huge mortgage and two car payments. She was a housewife who had lost everything and had to move back to the home of her parents and her children back to work. I never forgave my friend to leave his family unprotected. 4) What is the most memorable interaction with a policyholder? I once had a client that I had sold a 10-year, one million dollars for the policy there are about nine years. We became close and I call every year for his birthday. In the ninth year of his policy, he said he had just been diagnosed with terminal cancer. His doctors gave him only a year to live. After overcoming the initial shock, I told him that he had a "terminal illness" jumper on policy that could give him up to 75% of the value of the policy, up to a maximum of $ 250,000. I asked him to get a letter from their doctor confirming the diagnosis of terminal cancer and prognosis and send it to me. Seven days after I got the letter, he got the $ 250,000 check. We spoke a few times after that, but about a month later, her son called and told me that his father died. I was totally devastated and saddened by his death. About three weeks later, I received a call from his wife thanking me for my help to get this money for him when the family needed most. She began to cry, then I too will never forget him or his family. 5) What do you like most about your job? The satisfaction that we are now people and their families total disaster when death knocks on their door. 6) What do you think is the best product or the most useful insurance AccuQuote offer? term life, universal life and disability insurance - sprinkled with a few long-term care insurance 7) What are your hobbies collection of sports memorabilia [[1945003?] 8) What is your favorite book "Sweetness: the Enigmatic life of Walter Payton?". Jeff Pearlman
For more information on Howard, watch this great video.
Life can change in an instant. We all had the defining moments that took us from who we were to who we are. We have known love, loss, grief, joy, and every emotion in between. The most important lesson we have learned is to "never leave important words unsaid" for people who matter most ...
The cost of Lying on your life insurance application -
An affordable life insurance policy is easy to find, so there, AOS not need to lie on your application . Because of term life insurance rates are near historic lows, almost everyone can find a long term life policy that suits their individual needs at a price that won, AOT breaking the bank. If you think that lying on your application is the only way to get cheap life insurance, keep reading.
Because with lies in the life insurance application process, you can end up hurting the ones you love the most, leaving them financially unprotected when you die. life insurance companies have the right to examine all the personal information you provide on your application for life insurance, especially if they believe something to be false or exaggerated. After discovering a lie on an application for life insurance, the carrier can and will cancel the policy. To prevent this happening, it, AOS significant to understand your rights when applying for coverage of life insurance.
First, know the difference between a warranty and representation. A guarantee is something you know to be true, for example, a pre-existing condition that you, Aore know and deal with on a regular basis, such as heart disease or diabetes. A representation (or misrepresentation) is something you believe to be true, but aren, AOT 100 percent sure. For example, you think you may have diabetes, but you haven, AOT was officially diagnosed, so you say that you, Aore perfectly healthy on your application. Lying about a guarantee leaves you at risk of being uninsured, which means a carrier may cancel your contract. A carrier may terminate your contract if you lie to representation, but the consequences vary according to the best life insurance companies, especially if you, Aore diagnosed with a condition after submitting your request.
In any case, it, AOS best not to lie on a health factor or lifestyle because the life insurance carrier will eventually find out. They have access to your medical records and are allowed two years to catch a condition that you have not reported initially. How does this affect your family? If you were to die because of a condition that you lied about your application for life insurance, the carrier cancels the policy and to refuse payment of the death benefit, leaving your family unprotected. The moral of the story is, gift, AOT are on your insurance application life! You can find a low cost life insurance, without risking your financial future family, AOS by contacting a life insurance agent licensed in a multi carrier brokerage firm. They may compare life insurance rates to get you the best value in life insurance based on your individual lifestyle.
surprising factors that can affect your life insurance rates -
Have you ever wondered why insurers increase your insurance rates? What personal information accurate are the insurance companies want and say, here is a risk, that person is likely to make a claim, so we will increase his / her insurance premiums to compensate our potential losses. You could save money by making some changes to qualify for the best rates keeping in mind the following:
Your life insurance rates can be affected by ...
driving violations - Have you had more than two moving violations in the last 3 years or a DUI in the past in the past 5 years? This is enough to make most insurers increase premiums. Bad driving puts your life in danger, posing more risk to insurers. But unlike, bankruptcy, do not wait until your licensed driving violations on your record before purchasing a life insurance policy. Leaving your loved ones without a policy is a greater risk and that you do not want to play on
Your weight -. What is important to the underwriters is the number of illnesses linked to excess weight that could shorten your life. Height, weight and body mass index (BMI) have always been important factors in the calculation of individual insurance rates, but the standards for assessing health change. "In 1994, a man who was 6 feet high would weigh up to 260 pounds and still qualify for relatively low rates, says Byron Udell, founder and CEO of AccuQuote on Kiplinger," Now a candidate to 6 feet height should weigh no more than 0 to 205 pounds to qualify for the best rates. "
And even if you lose weight, do not be too quick to ask for lower premiums. most insurers want you to keep that weight off for at least one year prior to deploying the best premium rates for you
history of family health . - Is a member immediate family died of cancer or any other type of hereditary disease before age 60? your medical history of the family shows insurers which diseases go through your family, even the lifestyle diseases that can be a threat to you live a long and healthy life. Some insurers hike your rates even if your parent did not actually die of these diseases
Your co-workers -. If you have a life insurance from your workplace, your premiums are based on the average health and age of your colleagues. If it is a healthy group in their early 30s, you are probably enjoying a good rate on your insurance in the workplace. On the other hand, if most of your colleagues are in their mid 40s and 50s, with diabetes or health problems related to age, there is a good chance that you pay more than you should. Find out how much it would cost you to buy an individual policy for yourself
Credit history -. Your credit report reveals a lot about your spending habits, but that life insurance companies are interested is if you have declared bankruptcy. If you do have bankruptcy show up on your credit report, you should avoid buying a policy until your bankruptcy was fully discharged. Those who went bankrupt, especially in the recent past, are considered a high-risk proposition. There are a few carriers that can offer you a long term policy for 10 years, but with extreme caution and rates are incredibly high. However, once your credit report was deleted from bankruptcy, you can qualify for lower premiums to be sure to ask your insurer to reassess your rates at that time
Interests -. Hobbies such as skydiving, hang gliding, motor racing, rodeo riding and even some types of diving may disqualify you from getting the best life insurance rates. Even a trip abroad in dangerous or adventurous places can decrease your chances to qualify for the best rates.
Each insurance company has its own set of underwriting rules. This means that some companies will give some factors a heavier weight than others. So a good way to save money is by taking advantage of these small nuances in the insurance underwriting. Look at the insurance quotes from as many companies as you can before making a final decision. AccuQuote will help you find the best life insurance quotes from highly rated insurance companies in the country.
As I mentioned in a feature in the Chicago Tribune on April 7, "Nothing does what the life insurance do - there is no other product that can provide millions of dollars for a few dollars a day ... "that's the beauty of life insurance -it is not a commodity, but a period of life safety
We need life insurance for a variety of reasons :.
income replacement your family depends on your income to help meet expenses daily and maintain their lifestyle and standard of living when you went
to pay debts If you have taken a loan or mortgage and is not paid before death, the burden of doing this falls on your heirs. a life insurance policy eliminates this burden.
as an investment option de many policies now have runners, clauses and options that allow you to transform your insurance only an instrument that ensures the safety of your family for an investment policy that also provides a stable cash flow
. these are just some of the reasons to get life insurance. We can help you find the perfect fit, no matter your situation. Compare prices for yourself. Life insurance is humanity, the most amazing product ever invented! That said, I see life insurance as more of a magical shield of a financial product. It is a magical shield that could protect your family against a devastating financial crisis. Do not let another day without protecting the future of your loved ones.
P.S. If you are interested Tribune article on their own site, here is the link :. Selling a passion for life
As Jason Hall cleverly points out in his piece on The Motley Fool , people are living longer these days. It's good to know, because it means that I will have many more days like Tuesday - my birthday -. In the coming years
The most important point of Jason in his story, in which I was widely quoted, is that "you probably do not have enough life insurance - if you have not at all." It is refreshing to read a member of the media Get It Right. So many journalists are getting completely wrong when it comes to life insurance! Example: A former employee AccuQuote who always keeps an eye on new life insurance sent me a garbage item notice last night that was full of, in his words ,. After reading it, I could not agree more - the whole article was based completely off! I'm not going to link to it because I would do a disservice to the readers of this blog, but let's just say he appeared on a major site and was written and published by reliable sources. How publishers allow such things see the light of day?
I realize that I can not wait to see the impression that life insurance is the most amazing product ever invented (even if it is!), But it kills me to see writers and journalists completely missing the boat when it comes to tell important stories about life insurance. That is why I am never too busy to speak to the media - so I can help them write more articles like TMF part of Jason
-
See 2 more. items Motley Fool that I contributed quotes to: "Read this before you retire" and "baby boomers: face it. If you are not rich now, you will never be, "both written by Jason Hall.
In September, I wrote a post about the long-term care (LTC) because I sourced in USA Today play on the subject. I barely scratched the surface, though.
Now we are in November, and is LTC Awareness Month. But there's a pretty good chance that you will need long term care MONTHLY when you get older (and not only in November). Here are some details on the long-term care insurance (be careful, because the statistics say you will probably need!):
What
well, let's say? start with what long-term care is; it is what you will probably need when you are older (read on to learn how it is likely that you will need it).
long-term care insurance is what can help you pay for that care, which costs a lot and now only going to increase.
Of course, you do not want to think about growing old, wearing a coat, and not be able to take care of you. But as long as you're alive, that day will probably come. And when he does, where does the money come from for the care
Answer:. The assurance of long-term care
Why do you need
[?
Because the LTC costs are enormous, will eat your savings, and you could or your family cause to die broke. In other words, long-term care is a huge threat to your retirement plans.
How much of a burden do you plan to be in your family in your "old"?
to date, live in care costs $ 0 a day. A nursing home is more than $ 300 per day. Do the math. That's $ 180,000 per year for a couple. If you can not afford it, your family bears the brunt of these costs.
Think you'll end up not needing long-term care? Think again
FACT: There is 91% chance that you or your spouse will need long-term care
FACT: 70% of people over 65 will need help being some kind in their lives (and Medicare pays only for short periods of care)
Bottom line: long term care insurance should not be an option ; it should be a key and necessary part of your financial plan.
How long-term care policies work?
Nobody is passionate about buying long term care insurance ... ... pay premiums and to overcome what life will be like a day you actually need care. Nobody wants even think about it. But it is important to learn how it all works
In order to receive benefits, most long term care policies require that you or :.
Have severe cognitive impairment (ie Alzheimer) OR
are unable to perform (without assistance) two or more of the six activities of daily living (ADL)
six ADLs are :. eating, dressing, bathing, toileting, continence, and transferring (transfer is the ability to get out of a chair and walk across the room and sit in a chair while unattended)
How much does it cost?
it depends on a few factors, including your age, sex, current health and the amount of coverage you want. You can buy a little, a lot, or not at all; it's up to you. If you want details on prices and plans, call us at 877-08-5089
Think about this ...
The chances of your home burn are 1 in 1,0. But who in their right mind goes without home insurance
The chances of having long-term care needs are much greater (91%)?; can you really afford not to have a long-term care insurance?
If you are a regular reader of this blog, you know I think The Motley Fool is really right when he comes to distributing personal advice of finance and provide educational and informational content.
Well, my man Jason Hall is back, this time to give us a complete and comprehensive guide to what we should think that we are preparing to retire. The title of the play, "Read this before you retire," is direct and to the point ( like me! ). The title tells you how the information in the article really is.
Jason goes as deep as any journalist, I know that in his research and reporting. in this story, he called on me to comment on how to prepare for the unexpected. he quoted me talk about life insurance and long term care. While sudden death is unexpected, eventual death is a certainty (as far as I know, the chances of death are still 1 of 1).
in terms of long-term care, the figures that I remained in the TMF part, show that need help when you are older is quite likely.
It is an excellent read Enjoy and learn from him
-.
Take a look another Motley Fool article in which Jason Hall quotes me :. "Baby Boomers. Face It If you are not rich now, you'll never," which also addresses the issue of retirement and retirement planning
For lessons in business and life, read this book (and others I'm going to suggest) -
It's not that I do not believe in education I a law degree and all three of my children are in college. It's just that I firmly believe that you can absorb the same information - and more -. Reading good books
Hey, it worked for me. I'm always reading (usually two or three books at a time), and much of what I read is with the intention of myself, my company, and my ability to do business and make a profit improving.
with that in mind, I want to start sharing book recommendations with my blog readers. I do not know how many times I'll post books, but stay tuned. There is so much that I think you'll find useful
Note :. Entries will book recommendations, no comment, which means you'll have to read the book to learn the lessons
[1945001!] This will not be books about life insurance. After all, that is my passion. You are probably passionate about something else
Perry Marshall 80/20 Sales and Marketing :. The definitive guide for less work and make more is a great place to start
Here are some takeaways from high level to pique your interest
essentially is this: .. the 80/20 rule states that a small minority of your activities produce the majority of. Results
For example: • 80% of sales are made by 20% of salespeople on your team • 80% of traffic drives on 20% of the streets of your city • 80% of the profit you earn is the result of 20% of the tasks you perform
you can not have thought that way before, but you know intrinsically, it is true.
This is not a new concept. Italian economist Vilfredo Pareto describes the 80/20 rule there over a century. This book will make you think about how to implement new ways
To this end, Marshall takes the 80/20 rule even further. explains that the top 4% (20% of 20%) 64% product (80% to 80%) results.
In other words, there are some key things you can focus on to become more productive, profitable and happy. It is for you to understand what these activities are and put your efforts there.
There are a few key people who can have the greatest impact on your life and business. It is your responsibility to find out who are these people and give them the appropriate amount of attention.
1. You get to decide what gets your attention, time and resources; if you spend your time, energy and money on the 20% of things, you will dramatically increase your productivity and lower your stress levels (caused by outside forces your work on the things that matter very little and could better be delegated or outsourced) 2. focus on these things helps you move forward (faster, easier) to your goals, whatever they are 3 . you can stop doing things that "move the needle" not
One last thing: the majority of people (80% or so) will never do anything with this information. But 20% which will be much better.
I encourage you to be part of the minority.
Interested in reading this book? You can find it on Amazon here.
Hurt your financial future: Ignore the hidden costs of long term care at your own risk -
This is a disturbing stat: according to the US Department of Health and Human Services, 70% people 65 and older will need long term care, sooner or later. With numbers like that, everyone is affected in some way.
In the words of Rosalynn Carter, former First Lady, "There are only four kinds of people in this world ... those who have been caregivers, those currently caregivers, those who will be caregivers and those who will need caregivers "
intelligent lady, Ros Carter.
most. talk about long-term care revolves around the cost of nursing homes, assisted residences and formal home care. Of course, these expenses can be massive . But the long-term care situations have hidden costs as well :. The price paid by family members who spend much of their time as caregivers
Numbers Do not Lie
Earlier this year, Genworth (most significant care insurance provider long term in the country) data compiled from a group of caregivers and care recipients in a report beyond 2015 Dollars .
study found that 62% of caregivers to help provide financial assistance for the care of their relatives to pay about $ 10,000 per year out of pocket expenses. In addition to this, most caregivers (77%) had to take time away from their paid jobs; they missed an average of 7 hours per week.
Twenty-six percent reported missing career opportunities.
What can you do to be ready?
The short answer is ... look to the future NOW! Beyond Dollars also found that the preparation of long-term care in advance reduces the financial impact in a major way - not to mention the emotional and physical relief that comes with early planning. And the sooner you start caring for the long-term planning, the better.
Another spring, which statistic is that respondents felt that $ 8,000 $ 10,000 out of pocket expenses could have been saved if they had started preparing earlier.
In other words, you must act as soon as possible! The video below gives a quick overview of the operating time of long-term care insurance and what it can do for you:
AccuQuote is there to help you understand the different care longer life time insurance options that may be available to you. Whether a stand-alone policy or a LTC rider on a life insurance policy, we are here to support you
Protect your financial future -. And the future of your loved ones. Give us a call 800-442-9899 today!
As the old saying: ". What you do not know can hurt you" And that is especially true when it comes to questions about your health. Sometimes a little daily discomfort can mask a much larger problem. (And no, we're not talking about watching "Jerry Springer.") Specifically, I speak sleep apnea. If you do not know what apnea sleep is, believe me, if you everyone in your household is affected by it. Just ask your joint .
According to the National Heart, Lung and Blood Institute, sleep apnea is a common sleep disorder, but serious causes disturbances in your sleep cycle, and can lead to many long-term, chronic conditions. Pensez- there as "snoring on steroids." Many who suffer think that all they have is a small problem "Zzzzzzzz" but the truth is that sleep apnea is much more serious than that. Instead of a regular sound of snoring, people with sleep apnea actually stop breathing for a few seconds or more. (Whether it sink in a moment.) Then the body needs to catch up, creating the infamous loud "snort" sound. (Once you hear it, you never forget, believe me.)
If untreated, sleep apnea can have a significant impact on your health overall. The American Academy of Sleep Medicine says chronic sleep apnea can put you at a higher risk for hypertension, heart attack, stroke, diabetes, and in the worst cases, death. (Did I finally got your attention?)
But sleep apnea does not keep you awake at night with worry. (Finally, a glimmer of hope!) There are things you can do to keep this condition to become more chronic. The options include surgery (removal of excess tissue in the mouth) and certain medical devices (such as CPAP).
Now if you have been diagnosed with sleep apnea and afraid you might not be able to buy life insurance - think again . You may get the quality, affordable life insurance with this condition. Just talk to the United States.
For more on this, watch this short informative video. Howard Weissman, Expert Medical AccuQuote pricing, will tell you more about how you can get affordable life insurance, even if you have this condition.
Everyone who ANYONE financially as the life insurance needs. It is an incredibly affordable way to ensure the financial future of your family is protected when you die. And the last time we checked, the chances of death are still 1 of ONE . (And if you think this statement hum, we definitely need to talk.)
Questions? Feel free to reach out to us. As long as it is during business hours, you talk with a real person! (Yup, that's how we roll.) We are here to help. Do it for you. Do it for your family. You'll sleep better at night.
How do you see the inconceivable it may seem an abstract question, but it was not abstract? to Peg Ogonowski September 11, 01. that day, Peg's husband, John, was the pilot of American Airlines 11, which at the time was en route from Boston to Los Angeles. Fifteen minutes flight, the plane was hijacked and possibly flown into the World Trade Center. and the rest is history.
Peg was suddenly a widow with three daughters to support. in addition, there had the mortgage on their home, and debt from a family farm of 150 acres John had purchased in previous years. with all these pressures, how was Peg will keep the family afloat on its own?
the answer was ... life insurance . After John bought the farm, he decided that life insurance coverage of his work would not be sufficient to cover needs of his growing family. With that in mind, John bought an extra blanket, so if anything happened to him, the family would always financially. He did not know that his worst scenario would come to pass in the worst way possible.
But today, Peg and her daughters are picking up the pieces and move forward. Thank you for their life insurance, Peg was able to pay the mortgage, pay off debt on the farm, and set aside funds for college education of her children. "I can not begin to tell you how great it was to have had the assurance and knowledge that we were completely covered," she said.
Sr. Specialist service Howard Weissman customer is a 17 year AccuQuote and a strong advocate of the need for life insurance. His favorite life insurance products AccuQuote are term life insurance, universal life insurance, disability insurance, with a handful of Long Term Care Insurance.
An avid collector of sports memorabilia, Howard loves his local teams in Chicago. He also likes classical music, Broadway musicals, and is a big fan of Chicago (the band and the city) and Earth, Wind & Fire. His favorite hobby is collecting sports memorabilia.
Click here to read the projectors agent video below.
- Some shocking statistics: New York Life has paid $ 3 billion in unclaimed death benefits in the year 2010 for the families of persons insured with them. Residents of New York State (eligible to receive claims checks due to legitimate amounts unclaimed death benefits on their behalf) received more than $ 16 million in payments from life insurance companies. States of ...
Progressive Corporation, the third largest auto insurance company in the country, sees a trend in the industry that revolves auto insurance in buyer's market. According to CEO Glenn Renwick development of the online insurance market has provided consumers with the means to make more aggressive shop for insurance. The result was a price competition among insurers has led to lower rates.
"There is a power shift to the consumer," Mr. Renwick. He noted that the industry has experienced cycles when growth in revenues is due to higher premiums instead increase in drivers. This does not mean the situation today, as he referred to the current business climate affecting "deflationary" on prices. he added that for customers seeking renewal in particular, price is an important factor.
speaks to the increasing sophistication of the purchaser of auto insurance. said Mr. Renwick, "We want to ensure that we do not lose them to someone another at a price we would be comfortable. "
Regarding assistance, the leader of the Progressive Management noted that other insurers are also lower rates, with part of the impetus being that the frequency of accidents has remained stable or decreased each year since 1999.
that Internet sales do not give any possibility of negotiation does not seem to deter buyers. More auto insurance quotes are generated by "electronic agents", indicating that more consumers use the Internet. "It is definitely a growing trend," Renwick said.
Have you been convicted of a felony or misdemeanor? You may be eligible for life insurance -
Is a crime or offense affect your life insurance?
Let's face it. Nobody likes to reveal the skeletons in their closet. But when applying for life insurance, it is important to meet all health and lifestyle honestly needed to obtain an accurate quote. But I bet you wonder why they ask questions about crimes? The answer is simple. life insurance policyholders want to know that you are not a violate person. violent people tend to have a higher mortality rate compared to non-violent people. Therefore, there is a risk of being violent, similar to how insurers classify skydivers and bungee jumpers as risky applicants. When your life insurance agent asking this question, it is important to tell the whole story at that time.
Too often, we have to make follow-up calls because the information was not given accurately or completely. But if you give the correct information during the initial phone conversation with your agent, you may still be eligible for coverage of life insurance, even if you have been convicted of a felony or misdemeanor. You will have to answer the following questions:
Was there time in prison
How long? And there how long?
Was there a probation or parole?
How long? And there how long?
When it is completed probation?
Keep in mind that the guidelines subscription vary among the best term life insurance companies, but the key is be honest . No matter what your circumstances, insurers will give your case a fair assessment.
Did you know that the Healthy Habits Equal Lower premiums insurance? -
Many people invest in term life insurance because its affordability. These are the most of affordable life insurance form and a great way to ensure that the future of your family and loved ones is secure. Life insurance premiums are calculated based on how you are healthy and what kind of life you lead. Here are some key ways to reduce your premium. If you really want to pay lower premiums, however, reduce health risks should be the most important factor that you look.
How insurance premiums can be lowered
Before you start, it is always good to know how insurance coverage you actually need. So go ahead and use the life insurance calculator to easily calculate the amount that is ideal for you. Premiums may go up or down based on life-threatening factors in your life. Here are some tips infallible to lower your insurance rates:
Quit smoking. Cigarettes are absolutely the biggest factor in the conduct of insurance premiums because smoking will almost guarantee that your health will deteriorate in the future. You can not just stop for a week and we hope to bring down your rate, however; you should stay away used for at least 12 months, and some carriers to wait 36 months to reduce your premium. You must also prove that you kick the habit during this period of time by providing records from regular health checks that monitor the condition of your lungs and smoking levels in your blood stream.
lose weight. If you are found overweight by a professional qualified health care, your premiums will reflect. If you control your weight problem by eating healthy and exercising, however, you will get a discount. Again, a crash diet will save you money; you need to maintain a healthy lifestyle over a period of time before the benefits are granted to you.
Cut out the bad habits. Regular consumption of alcohol and other controlled substances are also very detrimental to your insurance rates. If you can demonstrate that there has been a drop in blood alcohol level, and prove medically that you are out controlled substances, you can qualify for cheaper insurance rates.
Living safer. The adventure seekers and people with dangerous jobs are more likely to respond to a premature end, and insurance companies know. If you work on the site for a construction company, for example, or skydiving usually for pleasure, you'll pay the price for it. If you are transferred to a desk job or stop thrill-seeking activities, the insurance companies will change your rate appropriate.
evaluate your options. carriers use all the above factors when determining your premiums, but companies weight the criteria differently. If you search around, you might find an insurer who does not think that your weight is as important as the other. At AccuQuote, we have access to most major carriers - we compare prices and shop for you. Simply fill in your details and let us help you get a quote that gives you the right coverage at the right price for the right length of time.
These are some of the best times to consider purchasing an individual disability insurance policy. Carriers are now more flexible on who can get coverage, and statistics show that more consumers benefit from it. And you? Have you considered adding a disability under your insurance umbrella
Here are some reasons why more people get individual coverage for them- same :?
increased value to protect your income. Times are hard. Protect your ability to win is paramount. Keep in mind that a third of those entering the labor market will suffer a disability before retirement.
Increasing the number of older people in the workforce. Older people are more at risk of having a disability, especially if the job involves manual labor.
The recession. the group disability insurance offered by your employer is usually basic. With more employees by reducing benefits, disability insurance from your employer may have gotten skimpier or even disappeared.
More benefits with an individual policy. Anyone can get disability insurance, even if you have a pre-existing condition. You do not have to go through a medical exam or provide a blood test.
Portability. the workplace disability insurance may have limited functionality and is active only when you have your work. individual disability insurance, on the other hand, ensures that you are never without disability coverage when you need it, even when you're between jobs.
The tax benefits. The benefits received are completely tax free.
Despite the advantages, there are still some myths that prevent people from buying disability insurance. Some people think workers' compensation will pay for disability. But kicking in workers' compensation only when an accident occurs at work. About 0 percent of disabilities are not related to the workplace. In fact, most disabilities are due to illness, not an accident. There is also a tendency to think that social security can cover your needs if a disability strikes, but it may not be the case. About 65 percent of applicants for Social Security disability benefits are initially denied.
Having your own coverage could mean financial survival for you and your family. You can receive better disability coverage by shopping the best insurance carriers. Get a free quote.
Although the Fourth of July is in our rearview mirror, I'm still thinking about freedom.
Believe it or not, life assurance and freedom are linked. When you or your family receives a death benefit, the money mostly comes tax free. When you know that your family is protected, you are free of the burden that comes from not having life insurance. When you decide to do the right thing and get a quote, it is FREE and only takes 5 minutes.
You probably think I'm healthy, I'm (some) young, I will not die . And you are probably right - that is, the chances are that you will not die tomorrow. But you will die . I guarantee it. I'm in this business for almost 30 years, and I've met many people who said they had "to get to the later life insurance" or they "do not have the time this time "to think about life insurance. And I have seen cases where a person continues to turn it off only to die unexpectedly. This stuff really happens
Let's be honest -. No one is passionate about buying life insurance ... pay premiums ... and coming to grips with the fact that you will die. But that day will be come. And when it does, your family will be enough money to pay for your funeral, rent or mortgage payments, food, school fees, clothing, medical expenses, payments and monthly car utilities ? Do the people you love even more freedom to live life the way you want them?
You can die with life insurance or without it.
But ask yourself this before you go another day without coverage (or without sufficient coverage): Can you imagine a scenario where you would be better to die without life insurance
If you do not do something, WHO? If not now, when?
If you had a nickel for every time I was asked how much life insurance to buy, you would be rich! -
I get the question all the time. Sometimes it's customers, sometimes it's on a plane after I say what I do for a living.
I has recently been interviewed on this topic by the publisher for Kim Lankford Kiplinger magazine. Kiplinger is pretty much the first and last word in personal finance, and Kim always done a great job of capturing the importance of life insurance and transmit my passion for the product .
So, what is life insurance and who needs it? Life insurance is a contract with a major financial institution; a contract that promises to pay a bunch of money to your loved ones when you die. If you have someone in the world that you care, anyone who depends on you financially (like your family!), You have to have. Why? Because there is no other product that does what the insurance providing dollars for pennies-exactly when it is most needed.
Understand that life insurance can not replace YOU (a father, husband, wife, or mother), but it can replace your economic value to your family. It ensures the financial future of your family, protects against the unexpected, and, in my opinion, humanity produces the largest ever invented (with the possible exception of the wheel).
But how much should you buy?
This is the question that everyone wants to know the answer. Well, there are no quick answer, as you know, if you read this blog, I'm not a big fan of empirical rules. But for the sake of this post, here are some things you might consider in determining how much life insurance to buy:
debt -If you have taken a loan or mortgage the face value of your policy should be large enough to cover these debts (and have some left over for your dependents)
spending -Make sure your beneficiary receives enough for final expenses, death taxes, funeral expenses, bills, and other expenses from day to day
future -You can not anticipate exactly what your family will need to the future, but make sure that your death benefit is sufficient to cover the tuition fees of your children, weddings and monthly bills
income replacement -If your family depends on you to be the bread winner, when you die, life insurance to replace your income; How many years of your income you need to replace is yours, but the calculation is very easy
Over the years, I have heard several "ground rules" (which I hate), but they provide a place to start. In some cases, 10x income is appropriate, but in others it is not. For example, a man in his 30s with two children probably need more income 10x (20x or 30x is more like it), while highly paid positions in his 60 years with children already out of University may need less income 10x.
There are many life insurance needs calculators on the web, including on our website. Most people are shocked by the number needed to replace their economic value. The good news is they are just as shocked by how inexpensive it is. According to LIMRA, industry research arm, young people overestimate the cost of life insurance by a factor of 7, while the oldest overestimate what life insurance cost by a factor of 3!
How cheap is it?
As I mentioned in my interview Kiplinger, a 30 year old man wanting to $ 1 million in coverage (20 years) would pay $ 421 per year. A woman of the same age would still pay only $ 354 less per year.
A political one million dollars, with a 20-year rate guarantee, for a little over a dollar a day? Really? Really!
Whoever you as financially? What's your excuse now?!?!
For many people, the time for tax refund is like Christmas in the spring - that you do not have to hang all the decorations! When you get an additional check in the mail, it is natural to start thinking about all the cool things you can buy.
I must tell you, there is no better time than now FINALLY for life insurance. Of course, I'm a guy life insurance, so I would say. But listen to me. There are four very good reasons why you should at least think about buying now:
1) You have money in your hands Of course, you could buy a few "toys" who will be! fun for a little while, but the wear and break later. Or you can use your money on something that will last ... something that is worth more than you pay for it.
2) Term insurance is cheaper than ever. is shockingly affordable
If you have never hesitated to get life insurance because you fear that it would cost too much, maybe this example will put your mind at ease.
A 40 -Year old man (non-smoking) with average health can get $ 500,000 of coverage for a period of 25 years for only $ 899 / year or $ 78.66 / month . If he has paid for the whole year, would still have $ 1,916 of his tax refund to play with.
3) The younger and healthier you are, the lower your premiums will be. Even if you work on improving your health, the clock is still running. Science has not found a way to stop people from growing old yet. Even healthy people are victims of unexpected accidents and illness. If you're healthy and apply now, you never have to worry about an accident, the diagnosis of diabetes or cancer scare to send your rates through the roof.
4) You know you need. You do not do need shows a new Apple. You do not do need to trade in your 37 "LCD TV to a 40 'LED. Your children need the most recent cell phones.
But if you die, your family need to cover your final expenses. They probably will need to replace your income. They will definitely need time to grieve. Now, you can expect that you live forever, or you have a few million dollars in the bank when you go ... or you can prepare now, just in case the dream scenario does not quite work out.
you get to make that choice
(Here's the cool thing :. with bonuses like in the example above, you can take care of your life insurance and still have of the money left to spend on a toy or two.)
I've always said you have to buy your life insurance of the person or company that gives you the best advice.
Obviously, I hope you choose to do business with us.
If you are a smart shopper and if you read this blog, you are then probably you are probably familiar with Kiplinger Personal Finance Magazine. Kiplinger is simply a first publication of personal finance and staff is full of experts.
So when it comes to retirement, investment, savings and insurance, trust people .
And Kiplinger Kiplinger trusts US ! Kiplinger personal finance magazine often calls me and AccuQuote for rates, quotes, and experienced advice when writing about life insurance.
In fact, in the (August) current number four pages (pages 40-43) are committed to life insurance, and AccuQuote is part of the cover. Read the three stories here, here and here.
If the experts in personal finance to the use of Kiplinger AccuQuote for advice on life insurance, should not you?
Call us for a free estimate at 800-442-9899, or just take a moment and do it online.
4 reasons to think about purchasing life insurance in 20 and 30 years -
Life insurance is one of those things that many people do not really want to think ". old" about it until I understand; people do not want to think about death, and most young people assume they will have time to deal with later.
But this does not mean that they should not start thinking about life insurance now.
life insurance is an important part of your overall financial plan. The sooner you start putting your plans into action, the greatest benefits you will reap
Here are 4 reasons why purchasing life insurance at a young age is a smart move.
1) Lock cheaper premiums
The younger you are, the cheaper your premiums will be (other things being equal). the life insurance companies listed that you will probably live for a long, long time - and keep them send money along the way - and they set your rates accordingly
As your age climbs, so do your premiums for. new policy. Also, the older you get, the higher your rate increase during the previous year. For example:
A non-smoking man of 25 in good health may be able to get one, the $ 500,000 term life insurance policy for $ 32.35 / month 30 years. What would happen if he expected to cover? Assuming his health declines, this is what his monthly payments would look like
25 years. old - $ 32.35 35. old - $ 39.14 45 years. old - $ 85.55 55. old - $ 258.87
The difference between 25 and 35, is almost $ 7 / month. But the difference between 35 and 45, of more than $ 46 / month.
Waiting for 10 years and adds over $ 173 to the monthly premium!
2) Get a blanket before becoming uninsurable due to injury or illness
Your health is an important factor that determines how much you pay for life insurance. Poor health makes you more likely to die early, so insurance companies charge more to offset the risk.
Accidents happen. The disease can sneak up on you. And when these things take their toll on your body, your rate can go up. If your health takes a serious blow, you may be deemed "uninsurable" when you finally make an insurance claim. At this point, your life insurance options are limited and will be costly.
life insurance purchase before injury or illness strike prevents this from happening. Once your policy is in force, and you continue to pay the premiums, it can not be canceled and your premiums can not be raised by the insurance company for health reasons.
(This is one of the main reasons to buy a whole life insurance for children!)
3) Protect your loved ones of your premature death
we hope to live a long full life ... and we hope to have our financial house in order when we die. But if you die before your time?
We buy life insurance to protect the financial future of our families when we die. But the truth is we do not know when we will die. Is it not logical to buy a life insurance sooner rather than later ... to make sure we are ready for the unexpected
Even if you are young, you should keep a few things in mind:?
If your parents co-signed any of your debts (such as student loans, car loans, etc.), they may be responsible for these debts if you die before paying
If you are one who takes care of your aging parents, what will they do if you die? Life insurance can provide for them when you are not able to
Have you put off buying life insurance because you are single without children? If want to get married and have children in the future, you can be glad that you already have a life insurance
Buy life insurance in your 20s or 30s no longer seems not crazy, is it?
4) Earn cash value
A permanent life insurance policy can be solid component to rock your long-term financial strategy. These policies are developed guaranteed cash values that you can access at any time for any reason. Yes, this is a benefit of life insurance, you can enjoy while you are alive.
The cash values grow each year, and over time, can help you pay off those student loans, make a down payment on your new car or house or finance a fancy wedding
Watch the video below for a better idea of how it works with whole life :.
There are no surprise: I think the purchase of life insurance at a young age is obvious. Ultimately, the choice is yours to make. If you have questions about how life insurance part of your plans, give us a call to 800-442-9899 .
Stroke can impair your ability to get life insurance? -
Did you know that the jellyfish, sponges and starfish are not a brain? Sad but true. (But then again, where would they say?) God thank you the rest of us non-residents do not have an aquarium. The human brain has 15-33 billion (which is a "b") neurons. But with electrical wiring much, the chances of something short is an all-too-common occurrence. The most typical diseases that affect the brain are :. calls aneurysms and entered
Strokes are the main cause of disability in adults in the US according to the National Stroke Association. In technical terms, a stroke or TIA (transient ischemic attack or "mini stroke) is caused by a lack of blood flow to the brain. The blood carries oxygen, which is what keeps brain cells healthy. When these cells are deprived of oxygen, they wither and die. A stroke can affect memory and contribute to decrease muscle control. The severity of a stroke depends on the amount of the brain has been damaged.
According to the National Institute of Health aneurysms are caused by the abnormal enlargement of an artery due to weakness in the wall of a blood vessel. The Brain Aneurysm Foundation says that 50% of brain aneurysm victims are under 50 - with four out of seven suffering from some form of disability. (This is certainly something to think about, right?)
The Mayo Clinic says epilepsy entered are caused by abnormal activity in the brain cells. Stroke, head injury or family history are the main risk factors for these types of seizures. Two common types are tonic (formerly known as grand mal seizures ), which occur most often in children, and lack seizures ( formerly known as Petit mal seizures ), which stiffens the muscles and can cause frequent falls
If you were hit by one of these afflictions, you probably yourself put the following question:. "can still get life insurance that I can afford?" The answer is a resounding "Well, may be ." (this is not a dodge. We just need more information.) Each of these conditions has its own particular set of health problems that need to be addressed before moving forward. But the good news is ... many people have been able to qualify for life insurance, even after a stroke, aneurysm or seizures. (Are you smiling yet?)
For more on this, watch this short informative video. Howard Weissman, Medical Underwriting Expert AccuQuote, will tell you more about your life insurance options regarding these brain-centered terms.
Everybody ANYONE who financially by the life insurance needs. It is a very affordable way to ensure that the financial future of your family is protected when you die. And the last time we checked, the chances of death are still 1 of ONE . (And I suppose if you had a stroke or an aneurysm, you now know first hand how life can throw you curveballs unexpected.)
Questions? Please feel free to reach out to us. As long as it is during business hours, you talk with a real person! (no kidding!) We are here to help. Do it for you. Do it for your family. Now is using your head! (Beats being a sponge, am I not?)
Breathe, asthma - you can get the life insurance -
There are many things in life that can take your breath away - the Grand Canyon, the Great Wall of China or get on the 18 green at Pebble Beach in two! (Hey, I can dream.) But the one thing you do not want to take your breath is, asthma . If you know someone who suffers from asthma, you know firsthand how it can seriously affect quality of life.
But what is that asthma has to do with life insurance? Just stay tuned . According to the American College of Allergy, Asthma and Immunology, this chronic disease affects 26 million Americans and is the leading cause of absences from work and school. This constriction of the bronchial tubes, making breathing more difficult. Symptoms include shortness of breath, cough, chest tightening and wheezing. (Not funny.)
Speaking of "difficult", you might ask "Do with asthma have more difficulty getting life insurance because of this condition?" The answer is ... not as much as you might think. As with most medical conditions, as the expression goes, "the devil is in the details," but overall, if your asthma is normally kept under control with medication, there is a good possibility that you can obtain affordable life insurance. (Good news, right? Now breathe normally.)
The two most common forms are exercise-induced asthma and Asthma Full-Blown . There is no cure, but asthma can be controlled. The most common treatment is a steroid inhaler that helps open blocked waves.
More severe respiratory condition, COPD (chronic obstructive pulmonary disease), has many symptoms similar to asthma, but it is much more serious in nature. COPD is in the same category of lung disease emphysema and chronic bronchitis . Many COPD patients have the disease of smoking. If you think you might have COPD, go see your doctor and get a chest X-ray. (Hey, it could not hurt.)
For more information, watch this short informative video. Howard Weissman, Expert Medical AccuQuote pricing, will tell you more about how you can get life insurance -. Even if you have asthma or COPD
Everybody ANYONE who financially as needed life insurance. It is an excellent, affordable to help protect the financial future of your family when you die. And if you think you'll live forever, the last time we checked, the chances of death are still 1 of ONE . (we did not do that.)
Questions? Feel free to reach out to us at any time. And you talk to a real person! (Amazing, huh?) We take the stress of shopping for life insurance. And is not that a breath of fresh air?
Hey, news flash! Mother's Day is less than a week. And if you're one of those I'm just going to wing-it kind of guy, you probably yet do not have a gift got your better half. Well, time is running out. And if you have been married for five years or fifty years, your wife yet think Mother's Day is something special. So believe me, giving him a coffee mug with his name written in pencil will not cut it. (Some guys learn this lesson the hard way.)
Can I make a suggestion? Instead of getting her that last minute bouquet from your local 7-Eleven, get your wife something that will last much longer than a few daisies drooping. Give her the gift of assurance life .
Well, I know what you think. But listen to me. Get life insurance on yourself is one of the greatest ways to say "I love you" there. He says you love your enough to protect financially should something happen to your wife. This is what makes life insurance. It provides financial security and peace of mind. If you were to die tomorrow, how would your spouse to pay the mortgage, food, utilities, etc.? Definitely something to think about.
And while you're at it, you must make your wife as well. Do you know how much it would cost if you had to pay for all the things she does for free? If your wife is a housewife, she is the carer, cleaner, event planner, chauffeur, and the ultimate multitasker. If she paid for all these jobs, it would cost as much as $ 0,000 per year. Do you have 100K in the family cookie jar?
Yes, both breadwinners and caregivers need life insurance. There Mother's Day gift no more, believe me. Because it provides cold, hard cash precisely when your family needs it most. No other product does. And long-term benefits of life insurance survive the candy sampler of the drug store.
There is no better time to ensure that your family now . In about the same amount of time it would take to make a cup of coffee, you can get the ball rolling. Of course, if insured does not happen overnight, but it is a Mother's Day gift that will have incalculable consequences for the future.
And it would not hurt to bring flowers and chocolate too. Think of it as the Day of the Mother trifecta.
Did you know that actor Tom Hanks, singer Patti LaBelle and legend Billie Jean King Tennis all have type 2 diabetes? Diabetes is the seventh leading cause of death in the U.S., with 1.4 million new cases diagnosed each year. According to the American Diabetes Association, complications can include high blood pressure, heart attack, stroke, ...