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Term Life Insurance
Many of us find that death can be a burden to the ones that we love most. Keeping your loved ones financially protected may be something that is very important to you. If you are interested in term life insurance, you will probably want to know all that there is to know about it. Here, we will take a much closer look at term life insurance, what it can do for you, and why it is such a great decision for you to make. Read on to learn more about this form of life insurance, as well as why you may want to choose to purchase a policy for yourself.

The way that term life insurance works is when you pay a certain premium for a certain amount of time. If you should die at any moment during this time period, your beneficiary will receive the payment that your term life insurance is for. Whether your policy is for a year or if it is for thirty years, this is the way that the entire process will work. Term life insurance is probably one of the most easiest types of life insurance for anyone to understand, which may be the main reason that it is one of the most popular. Read More


Things to Consider Before Selling a Life Insurance Policy
Many individuals consider selling their life policy when illness looms and for other financial concerns. The idea of attaining fifty percent (50%) to possibly eighty percent (80%) back based on the face value of the policy may seem like a positive solution especially if the insured is facing a financial setback due to reasons of poor health. However, this may not be such a good idea. It is most important for the insured to remember, in such a situation, the original reason he or she purchased the life policy.

The insured should consider when a viatical company shows interest in the purchase of a life policy, and are aware of the individual’s illness; they will require access to the policy holder’s medical records. The company will review the records with diligence. The buyer of a life policy makes money based on the projected time of the policy holder’s life expectancy. The viatical company will track the insured’s health status on a constant basis, typically using little if any discretion. The buyer may make frequent phone calls to the policy holder or send written correspondence to the insured by the way of postcards. In summary of the above statements this means the insured’s transaction will be an open record; therefore, anyone, including creditors has access to this information. Read More