Life Insurance Blog

Many providers will offer combined life and health insurance.  Although these can offer some real benefits the life and health insurance joint offers should be carefully monitored. The biggest benefit is that there can be cost reductions for a joint policy.  This is because the administration costs are greatly reduced as well as marketing costs.  Because the insurance company is going to make ...

Life insurance is a hard subject to discuss with members of the family.  It is like writing a will; it is an admission of mortality.  However it is important to do this. The first reason is to make sure that it relieves any financial worries should the insured person die.  It is hard enough for most people to deal with the emotional distress when a loved one dies; it is also hard to deal with ...

Life insurance comes in two main flavours, permanent and term life insurance.  It is important to know the difference when buying a life insurance policy. The difference is one of timing.  Permanent life insurance lasts throughout a person’s life and is much an investment as an insurance product, whereas term life insurance is a more standard form of insurance which covers a person over a cer...

Many people who have survived serious illnesses find it hard to get further life insurance.  There are still some ways to get this insurance. If a person has gone through a serious illness such as cancer, heart disease or diabetes then they can find life insurance very hard to obtain whether or not that disease was in itself life threatening.  This is not because the life insurance companies are...