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Net Premiums up for First Time in 2 Years

A new report released by A.M. Best & Co shows that the American life/ health industry’s nine-month net premiums risen increased 2.6% to $424.2 billion, the first such increase since the end of 2008. The same report also shows that admitted assets have improved 4.6 percent to $5.1 trillion since year-end 2009, aided by what […]

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Friday Filmstrips: Life Insurance 101

For many of us, life insurance is something we know we should have, but we’re not quite sure why. This week’s Friday Filmstrip explains it. Enjoy.

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Life Insurance after a Heart Attack? You Bet!

There’s no surprise that having “heart attack” listed in your medical history is a giant red flag when it comes to applying for life insurance, but even so, you are not automatically deemed “uninsurable” nor will your premiums always be astronomical. Depending on the treatment protocols you have used, the severity of your condition, and […]

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Happy Life Insurance Awareness Month

We’re already mid-way through September, and we’ve neglected to mention that it’s Life Insurance Awareness Month. While there are no greeting cards or themed foods to celebrate this, we agree that this is an excellent time to review your life insurance policy, and consider adding coverage. If you don’t have a life insurance policy, it’s […]

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West Virginians Have Poor Health Habits, Senator Says

Health insurance examiners probably won’t find much shocking in this, but the Charleston Daily Mail is reporting that state Senator Dan Foster (D-Kanawha) is blaming West Virginia’s higher-than-average rate of workers on disability to poor health habits like smoking. In an interview with the Daily Mail Foster said that his state’s high obesity and smoking […]

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Life Insurance: Can it Be Extended?

Most life insurance agents will tell you that the question their existing customers most often ask if their term policies can be extended. Sadly, there is only one answer to this question: NO. Why? Because the term of a life insurance policy is set at the time of issuance, and there are no extensions after […]

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No PMI? Get Term Life for Greater Protection

Even in today’s mortgage market, homebuyers call insurance companies asking about “mortgage insurance.” While there once were mortgage insurance products that had a decreasing benefit matching the decreasing loan obligation over the term of the mortgage (generally 30 years), these types of policies have become essentially obsolete. Modern homebuyers told to get mortgage insurance are […]

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Self Improvement Can Save Money on Life Insurance

Okay, we all know that insurance underwrites use actuarial tables to asses risk factors and set premiums for each applicant. When it comes to life insurance, the higher your risk of dying early in life, the more expensive your insurance will be. There are two risk factors that you can control, and doing so will […]

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Divorce and Life Insurance

There’s a common statistic which says that roughly fifty percent of all marriages in the United States will end in divorce. If you’re among the fifty percent, because you’re in the process of or have gone through a divorce, chances are good that your life insurance policy wasn’t a major point of concern. After all, […]

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