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Elephant Insurance and AccuQuote

AccuQuote is very pleased to announce its partnership with Elephant Insurance, a company directly to consumers the car insurance increases its insurance offerings to include life insurance. The new extension allows Elephant to offer complete solutions and life insurance practices to holders of existing auto insurance policies and the construction of a new customer base for life insurance coverage.

In partnership with an industry leader such as Elephant Insurance is another step towards fulfilling AccuQuote mission to provide consumers access to simple, practical and affordable to buy the life insurance and protect as many families as possible.

As of May 15 Elephant insurance customers will be able to license professionals AccuQuote life insurance to meet their life insurance needs. "More care less cost" was the promise Elephant their customers. AccuQuote continue to keep that promise by the service personalized customer, bundled discounts and increased convenience.

As we head into September, you hear a lot about Life Insurance Awareness Month. I wanted to take some time to share with you some interesting Life Insurance statistics. In the reading, think about your own situation. Are you underinsured? What does your family do if the unthinkable were to happen. Some facts from LIMRA International's Life Insurance Awareness Month

Millions of Americans have no life insurance coverage.

• Only 61 percent of adult Americans have life insurance protection, a decrease of 70 percent in 1984.
• Only 41 percent of adult Americans have an individual life insurance. Many rely on group insurance, leaving them vulnerable if they lose a job.

Most people who have insurance coverage do not have enough.

• need to average life insurance is about $ 459,000, but the average amount of owned life insurance is $ 126,000. The average under-insurance is over $ 300,000.

More after the jump ...

- I am in no way a millennium, but I have three children who are.

With #hashtags, smartphones, and social media to go with school and work and everything else, these young adults lead lives that are absolutely packed with things to do.

Among all the bustle that defines their generation, they time to think about life insurance? Perhaps a better question is whether, at this stage of their lives, they should still be thought about life insurance. If you have someone depending on you financially means a spouse or partner or fiancé or a child you need life insurance. It does not matter how old you are you have IT!

And I think all young adults should at least consider getting coverage sooner than later.

Ironically, when it comes to this subject, is an apology for not having life insurance are actually the same reasons that young adults should get covered. For example, "I'm young and healthy; I do not need life insurance "The fact is, you should look to buy life insurance because you are young and healthy (which, as we know, lowers the price)

Then there is the argument .. "I have no one I have to take care of me except; why do I need life insurance? "

Fair enough, but I want to emphasize that young adults, although this may be the case now, what about on the road? Did he intend to get married and have children in the future? If the answer is yes (and it often is), then get a NOW coverage (again, while they are young and healthy) will save them money.

Remember, the two main factors regarding determining your life insurance rates are age and health. you're not as young as you are today, and most cases, you are never as healthy as you are today (even if you are single now, would not it make sense to at least consider buying coverage because you 're healthy? what if later in life, when you have people depending on you financially and you really need life insurance, you are forced to pay more because of your health? Or worse, if you do not qualify at all? !).

Finally, millennials, and other generations goes wrong argue that life insurance costs too. This is simply not true.

Life insurance provides dollars for pennies, and the product is exactly when those dollars are needed most. And better yet, you're not spending too much pennies to get coverage. A millennium can get a good amount of coverage for less than $ 250 per year. That's less than a dollar a day! With low prices, young adults can get life insurance and continue to pay off student loans. Win-Win!

So the answer to the question should Millennials think about life insurance? -is resounding YES! Millennials should consider life insurance. And then head to AccuQuote.com and let us do the trick for you. We just need basic information and quick and we'll start you walk through a fairly large and important decision.

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You probably know that your health is an important factor in life insurance companies use to decide how much you charge for coverage . The healthier you are, the less you pay. They get a lot of information they need by performing a medical examination.

Sometimes, the cost difference is dramatic. Poor results can even cause your application to be denied. So there much riding on these results.

What happens during a medical examination?

Once you have applied for a life insurance policy, your agent schedule a time for you to meet a nurse or medical examiner. In most cases, the examiner will be able to meet you at your home or office.

The examiner ask you some questions about your medical history. They will check your blood pressure. They will also measure your height and weight to determine your body mass index (BMI). Your BMI is an important indicator of your risk of premature death.

(If you're curious, you can find your BMI using the National Heart, Lung and Blood Institute super easy BMI calculator.)

You will provide a sample blood and urine. A resting electrocardiogram (ECG) or additional testing may be necessary, depending on your age and the font size.

The entire general examination takes about 30 minutes.

how should I prepare for the medical examination?

We have provided some useful tips that will help you get the best possible results on your medical examination in the video below. By following these simple tips will help you pay the lowest possible rate

Here are some additional details :.

• Eat healthy foods to make sure your blood work is as clean as possible. Really, you should still try to eat healthy (for the record, I'm a vegan). While changing your diet is not a priority for you, you must do your best to cut out the junk food for seven days before the exam.
  • Green vegetables like broccoli and spinach are known to lower cholesterol and blood pressure. Foods rich in fiber are good for your cholesterol, too.
• try avoid stress and be well rested , especially the day before the exam.
• Avoid drinking alcohol for at least 3 days before the examination . Remember, you are trying to clear the "bad things" out of your blood. You do not want the insurance company into thinking that you can not stop drinking for a few days, either.
• The day before the medical examination, try not to take painkillers or stimulants, including caffeine. Take prescription drugs on the calendar, but avoid nasal decongestants, aspirin and ibuprofen if possible.
• Avoid strenuous activity (exercise, heavy lifting, etc.) on the day of the examination . This ensures that you do not need extra protein in the urine.
• Want start fasting (not eating) for at least 8 hours before the examination . You can drink water - that's all.
  • It is a good idea to drink a glass or a bottle of water before the exam so that you are ready to give a urine sample.
• Do not use any form of tobacco on the day of the exam.

These medical examinations tips can help you avoid abnormal results tests. Ignoring these basic tips can put you in a lower rate class, which can cost you thousands of dollars in premiums over the term of the policy. You may even have to repeat the test with your primary care physician at your expense.

We want to make sure you get your life insurance at the lowest rate you can qualify for. These tips will help you do it.

Life insurance is something that is important every day of every year. In fact, I think he is the man of the most important product ever invented.

But if an organization like life happens wants Insurance Awareness Month September life (about AccuQuote, we treat every month like that!) To raise awareness -and should certainly be soulevée- I will play with fun along

in mind, watch this video :.

Although I will preach on life insurance next month (and the one after, and next year ...), why not not get your priorities in order and stop procrastinating now if your family does not go a day without protection?

I've been doing this a long time, so I know what some of the common excuses are:

1. life insurance is too expensive - this is simply not true and you can see for yourself by getting a free quote; fact is, most overestimate the cost of coverage in a big way (3-7 times)
2. You are already covered at work so there is no need for life insurance - it is very likely that the coverage your employer offers is much less than what you need; in addition, it is not portable, which means when you leave this job, your cover is wrong with you
3. Nobody talks to you about life insurance - this may be true ... before you found this blog, and AccuQuote me!

So what do you expect? Making Life Insurance Awareness Month this month finally you protect your loved ones and secure their financial future. Call us at 1-800-442-9899 to get started!

In Part 1 of this article, I talk about the importance of planning carefully how you will use any life insurance payment you receive.

My first advice is to consider annuitizing death benefit to generate a guaranteed income for the future. Here are my two recommendations:

1. Life Insurance Purchase

Looks like an obvious answer from me, right !? But ask yourself two key questions: Have you as much coverage as you need And the other people in your family

Because you have more money ? handy than normal, you can go about securing your life insurance the right way (and win the game!). For example, you can:

• Get permanent insurance life on reduced payment schedule with single premium or limited premium whole life policies. Instead of sending the life insurance company checks for the rest of your life, you can set up a policy to be "paid" after 20 payments, 10 payments, or even with a single premium.

Today, a 40 year old man in excellent health who smoke could buy $ 1 million of coverage of all life for a single premium of only $ 115,101.76 . That's a pretty impressive return, would not you say?

In addition, the policy will never be extinguished and accumulate cash value at a minimum rate guaranteed each year, a tax deferral.

• Protect your children with a blanket, they can not lose . As you'll see in the video below, it's a great time to buy such a policy for your children or grandchildren, too. I like to call it "a gift that lasts a lifetime."

• Set up a trust to fund your life insurance. instead of paying all at once your policy off (you may be worried about paying more than you should), you can set up a trust to pay your automatically premiums each year. your confidence can also pay for other expenses, such as insurance long term care

it should be noted that life insurance is not considered an investment. But in my opinion it is one of the smartest ways you can spend your money.

2. ready for a happy retirement

According to the Bank of spring 2014 Merrill Edge of America report, 55% of "high mass" Americans - individuals with $ 50,000 $ 250,000 in investable assets - retirement money are afraid to miss (only 27% are afraid to talk in public [1945010!])