Author Archives: Jones

Life Insurance Fraud

Life insurance fraud is a black eye on both life insurance companies and life insurance customers. Both parties have been guilty of life insurance fraud and will be again–especially since, sadly, fraud seems to be on the rise according to most statistical measures. Research by the non-profit The Coalition Against Insurance Fraud concludes that life insurance fraud committed by all parties costs an average household $1650 per year and increases life insurance premiums by 25%. Life insurers are most often guilty of insurance fraud in the form […]

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Life Insurance Made Easy: A Quick Guide

Life Insurance Made Easy: A Quick Guide – Whole life insurance policy and term life insurance coverage questions answered This book is a quick and easy guide for the average person in understanding life insurance coverage. We review the most common life insurance coverage in simple “straight to the point” language. Salesman can be misleading. We help you understand the life insurance policy they are trying to sell you and whether or not it makes sense to you. Things you will learn in this 27 page quick […]

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Twelve Secrets and Tricks to Buying Life Insurance

Secret #1: Don’t spend too much time on a life insurance quote. Do not be fooled by the low price quotes you get online – they don’t apply to you unless you are extremely healthy. Statistically only 10% of people who apply actually get the lowest priced policy. The premium you end up paying has nothing to do with the initial quote you get online or from an agent. It is amazing to me how often I see people getting duped by an agent who quotes company […]

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Life Insurance, 15th Ed.

This 15th edition of Life Insurance is published in recognition of the 100th anniversary of this book’s first edition. That edition was published in 1915 and authored by Dr. Solomon S. Huebner, founder of the Wharton School’s insurance program and of the Chartered Life Underwriter certification program. It was pioneering for setting out both insurance principles and practices in a single, expansive treatise aimed explicitly at students of the business, whether they were students in the traditional collegiate sense or those undertaking professional development studies. This edition […]

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Learn About Whole Life Insurance

Whole life insurance provides customers with a life insurance policy that will help their loved ones in the future, and with an investment component that will help customers and their families right away. This mixture of delayed and instant gratification has been attractive to life insurance shoppers for decades, but today’s trend in life insurance is moving away from whole life insurance packages. Once, whole life insurance policies were the standard, but today they are the exception. As the economy changes and the American public become increasingly […]

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How To Get Cheap Whole Life Insurance Quotes

Whole life insurance quotes the most expensive kind of policies that are on the market due the fact of cash value over time. Whole life insurance is permanent life insurance coverage that lasts as long as you live and continue to make onīˇ“time premium payments. The reason that whole life insurance quotes are so much more expensive is due to the fact that the policy will have to pay out a death benefit when you die. Whole life insurance quotes are available online from many insurance companies […]

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Definition of Whole Life Insurance

Whole life insurance, also known as cash-value insurance is a basic and consistent type of permanent life insurance which remains in effect your entire life at a level premium. This life insurance is a good choice got you if you do not expect your life insurance needs to diminish over time. A portion of your premium goes into a reserve fund called cash value that builds up over the years your policy is in affect. Your reserve fund is tax-deferred and you can borrow against it, until […]

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Advantages of a Whole Life Insurance Policy

To begin with, you need to understand that life insurance falls into two very broad categories: Whole and term. The basic difference between term and whole life insurance is this: A term policy is life coverage only. In whole life insurance policy, as long as one continues to pay the premiums, the policy does not expire for a lifetime. As the term applies, whole life insurance provides coverage for the whole life or until the person reaches the age of 100. Whole life insurance policies build up […]

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Cheap Term Life Insurance

Should you buy cheap term life insurance? It’s an often-asked question to which there is a cheap and simple answer. If you have a mortgage or you have a partner, family or dependents that could suffer financial hardship as a result of your death then cheap term life insurance is a must! Cheap term life insurance, otherwise known simply as life insurance or term life is a cheap life insurance policy that pays out a lump sum upon your death. The premiums are very cheap and term […]

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Everybody Wants The Best Term Life Insurance Quote

The information you need about the best term life insurance quote is only a click away when you search for term life insurance online. You don’t even have to know anything about the insurance industry to get the best term life insurance quote from an online insurance company. So many life insurance companies have an online presence that you can shop for anywhere from one year to 30 year life insurance terms. Term life insurance is cheaper than whole life insurance because your family only collects a […]

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