Life Insurance Blog

Insurance agents can be helpful when looking for a life insurance policy, but the applicant should be aware that an insurance agent is not like an insurance broker. The latter is essentially independent – but the former is in fact tied to the life insurance provider. (more…)...

The term, “company life insurance,” covers three different types of policies which tend to be treated differently if the person were to leave the company. These three policies are key man insurance, company life insurance purchased by the employee, and life insurance provided as part of the compensation package. (more…)...

Life insurance policies have been compared to umbrella salesmen who are always willing to sell umbrellas until it starts raining. Although it’s possible to get life insurance if the buyer is unhealthy, it’s usually a better idea to arrange for coverage before that happens. (more…)...

Long-term life insurance policies tend to have higher premiums than short-term policies. However, this doesn’t necessarily mean the long-term policy is more expensive, as the higher cost is due to the structure of life insurance policies, rather than fees or the insurance company’s profit margin. (more…)...

Life insurance premiums are very dependent on the policy holder’s life expectancy. One of the lifestyle factors affecting life expectancy the most is the height to weight ratio. If a person is overweight, he or she will tend to pay a higher life insurance premium. (more…)...