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Strategies to help simplify your search   Locating life insurance documents for a deceased relative can be a daunting task…for one thing, as of this moment there are no national databases of all life insurance policies. However, with a little sleuthing, you can successfully navigate the paper trail. Here are some strategies to help simplify your search.   1. Look for insurance related documents Search through files, bank safe deposit boxes and other storage places to see if there are any insurance related documents. Also, check address books for the names of any insurance professionals or companies… an agent or company who sold the deceased their auto or home insurance may know about the existence of a life insurance policy.   2. Contact financial advisors   Present or prior attorneys, accountants, investment advisors, bankers, business insurance agents/brokers and other financial professionals might have information about the ...

  FINAL EXPENSE WHOLE LIFE INSURANCE Life is too short … Funerals are costly! Yet many don’t have adequate Coverage in place At Security National Life … We offer … Face Amounts $1,000 to $ 30,000 10 Year Pays … 20 Year Pays … Traditional Whole Life … Ages 0-99 Years Old No Medical Exam Affordable Monthly Premium Premiums Can Never Be Increased Coverage Cannot Be Cancelled Protection Cannot Be Reduced Policy Builds “Cash Value” You Choose the Plan, and Monthly premium that meets Your Needs.   The only thing a man can buy on the installment plan, on which His widow won’t have to finish The payments after he dies, is LIFE INSURANCE! - Anonymous

  Change comes at us from every angle as people update and upgrade everything from their diets to their devices, seemingly every day. When we enter adulthood as a young professional, we never imagine that we are only a couple dozen phones or a handful of trendy diets from marriage, parenthood or even retirement. Diets and devices can be great, but not all change is good, right? At every stage of life, financially confident people know that they can embrace the good and safeguard against the not-so-good with solutions designed to do just that. Enter: whole life insurance. Not just your parents’ insurance, whole life can actually benefit you no matter where you are in life.    THE BEGINNING: YOUNG PROFESSIONALS    When we’re young and focused on our dreams, we rarely consider the possibility of an unexpected, devastating change. What would happen if you died prematurely? It may be unsettling to think about, as it would be very painf...

Now might be the time to get it done.   TEXAS , USA — Just when we would like to be carefree again, the pandemic is weighing on our thoughts. Recently, 15% of people surveyed said they’re likely to purchase life insurance due to the impact of COVID-19. Maybe this will be the reminder many people need. Stats say almost half of us have put off getting coverage that we know we need. One survey showed that more than half of us think a life policy is going to cost three times as much as it really does. And women are far less likely to have coverage than men. “Today life insurance ownership for women is 47%, much lower than the 58% of men who have coverage," according to a 2021 Insurance Barometer Study from LIMRA.   If you are considering getting life insurance coverage, now might be a good time   During the worst of the health crisis, many insurers restricted new policies, like not offering them to the oldest applicants, changing which un...

Americans can no longer make excuses for why they haven’t purchased life insurance. According to the 2021 Insurance Barometer Study , those who are uninsured appear to want more convenience in the life insurance process, citing that they haven’t been approached about it (46%), it isn’t offered through their employer (42%), and they haven’t gotten around to it (62%) as reasons they don’t have coverage.   But a silver lining to the COVID-19 pandemic is that obtaining life insurance has never been simpler. This means that no one… especially the 31% of people who say they’re more likely to buy life insurance because of the pandemic and the 47% who say they haven’t gotten around to it… has a reason to wait to purchase life insurance.   Plus, our data shows that people don’t regret purchasing life insurance. In fact, they regret not purchasing it earlier, with 39% of those who have life insurance saying they wished they’d purchased it at a younger age. Th...

When I was 17, my father lost his battle with kidney and cardiovascular disease. As long as I shall live, I do not believe that I will ever forget the first moment I saw my father’s once vibrant face in that cold and unforgiving casket. I won’t forget his lifeless and defeated hands, or how his pale lips would never utter another joke or speak to his grandchildren.   Even though the day of his funeral was undoubtedly the worst day of my life, I wish I could relive it just to be with him one more time. Since that moment, I have felt as if all of my grief and longing resides underneath my skin with nothing to relieve the pressure. I Had Lost So Much More… On Sept. 8th, 2016, I lost my voice of reason, my confidant, my cheerleader, and my best friend. Unbeknownst to me at the time, I had lost so much more. Upon my father’s passing, he left us with funeral and medical expenses that his insurance would not cover. Because he did not have any form of life i...

A life insurance beneficiary is the person who can claim the death benefit after you pass away. You can name multiple beneficiaries and decide what percentage they each will receive when you die. Additionally, you should add contingent beneficiaries who will receive the death benefit if your primary beneficiaries have died.   Not everyone names people as beneficiaries. Some people name trusts. By creating a revocable living trust and naming it as the life insurance beneficiary, you can ensure that the money is used according to your wishes. For example, the trust money could be used to take care of children.   If you decide to name a trust the beneficiary of your policy, make sure to work with an attorney to structure the trust correctly. It’s also wise to work with a financial planner so that a trust is part of your larger financial plan.   It’s crucial to update and review your beneficiary selections regularly. ...