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Why Should You Consider Buying Life Insurance, And What Kind?   Life insurance is a financial product that helps ensure your family is taken care of after you die. This insurance policy will pay out to your children, spouse, partner, or whomever you designate as the beneficiary. Life insurance helps cover important expenses such as housing, education, debt, and funeral costs. It helps replace the income that is lost after someone dies, which is especially valuable when the primary income producer for a family dies unexpectedly. How does life insurance work? A life insurance policy is a contract between the life insurance company and the policy holder or insured, who has an interest in providing financially for someone else after they pass away. The policy holder pays the cost of the policy by paying a premium either monthly or annually. After the insured passes away, the life insurance company pays the death benefit to the designated beneficiary. That

Fun is like life insurance. the older you get, the more it costs. - Kim Hubbard   I don’t call it "Life Insurance," I call it "Love Insurance." We buy it because we want to leave a legacy for those we love. - Farshad Asl   If a child, a spouse, or a parent depends on you and your income, you need life insurance. - Suze Orman   Every month that you send a check to the life insurance company, you're making a bet with them. Don't worry, one day you'll win. - Nitya Prakash       www.haydenchildsatgotinsurance.blogspot.com  

Got Insurance?      Friend…   I recently started doing business with Plum Life, a new digital life insurance partner.  What I like about them is that they make life insurance easy.  They also have some great rates and are backed by industry leading companies… so they’ll be around when you need them the most.       Out of the many options out there, I am choosing to work with Plum Life and I think their products might be a good fit for you.  Learning more about your coverage  options is an important step in protecting your loved ones.  And buying life insurance has likely been on your to-do list for some time now so why not cross it off?   Applying for life insurance can be stressful but it does not have to be.  Many of my other clients were quite surprised at how easy the process was.  Did you know you can complete an insurance application in less than 15 min? And you might not need to get a medical.  With Plum Life, you can do it all from your phone.     Let’s

Ways to Pay Less for Life Insurance   Buying life insurance may be less costly than you think, particularly if you follow some fairly simple steps to keep your premiums down. Research from LIMRA, a membership organization for life insurers, shows that despite record-high consumer intent to purchase coverage, “too many Americans mistakenly feel life insurance is financially out of reach or too difficult to obtain.”   If you’re looking for a policy that won’t break the bank, while still covering your loved one's expenses after you die, a number of moves can allow you to score the lowest rate you can.   Permanent life insurance, such as whole life coverage, provides lifelong coverage, along with a savings component of a policy known as its cash value. But you'll pay a price for those advantages. A permanent policy can easily cost three to five times as much as buying the same amount of term life insurance, says Barb Pietrangelo, a financial planner

The cost of life insurance varies significantly depending on several different factors. One of the biggest cost factors will be the type of life insurance you buy. For example, a term life insurance policy is significantly less expensive than a Whole life insurance policy for the same amount of coverage.   Here are some of the most common factors affecting life insurance rates…   Age…   The younger you are when you buy a policy the less you’ll pay. That’s because your chance of death is smaller.   Sex…   Females have a life expectancy that is nearly five years longer than males, according to the National Center for Health Statistics. This means that men generally pay more for life insurance than women (except in Montana where insurers must provide gender neutral life insurance rates).   Health…   Your health has a major impact on your life insurance rates. The insurer will evaluate your past and current medical conditions in order to

Life insurance is a way to protect your beneficiaries from falling behind financially in the event of your untimely death. But depending on the type of policy you take out, life insurance can do much more than provide a theoretical financial safety net. For example, whole life insurance provides a guaranteed cash payout that you may be able to tap into while you're still alive.    But whole life insurance is much more expensive than traditional term life insurance, which simply grants a death benefit to your loved ones if you die during the set term.  Term and whole life insurance come with their own benefits and drawbacks, and the type of policy you need depends on how you plan on using it. Keep reading to learn more about the differences between term and whole life insurance.    What is term life insurance?   Term insurance is a traditional type of life insurance in which the policyholder pays in premiums for a set period of time. If they die before the end of