Guaranty Association Benefits Company

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.

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 .

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?)

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, ...

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