4 January 2013 0 Comments

Extra Premiums For Extra Risk

Last time I covered the various premium classes for life insurance.  But, what about applicants with medical histories or other underwriting concerns that preclude their obtaining insurance in any of those classes?  They still might be eligible to receive a policy with an extra premium charged.  These extra premiums are classified as Table Ratings or [...]

20 February 2012 0 Comments

Term Life Insurance: The Most for the Least Today

Term Life Insurance provides the most death benefit for the least premium based on the term – or period of time – selected. It doesn’t build cash value, so there are no living benefits. But we’re talking about Life Insurance here, not a savings plan. You wouldn’t expect your Auto Insurance to pay a benefit unless you’ve had [...]