6 May 2014 0 Comments

The High Cost of Nicotine Use

If you are a smoker and have been coaxed into looking at life insurance by TV ads showing the low cost of term insurance, you have most likely been very disappointed when you responded to these ads.  Tobacco users pay much, much more for life insurance than those who do not partake.  I covered much [...]

16 April 2014 0 Comments

One More Life Story From An Event We All Remember

This is the final real life story from www.lifehappens.org, an excellent resource for unbiased information on life, disability and long term care insurance. John Ogonowski grew up on a farm and never wanted to give up that life, even as he pursued a distinguished military and civilian flying career.  While a young pilot for American [...]

28 March 2014 0 Comments

A woman’s need for life insurance

According to recent research, women make up 49% of the workforce and 4 in 10 American households with children under age 18 now include a mother who is either the sole or primary earner for her family.  Yet only 43% of working women have life insurance and their average policy is only about $130,000.  That [...]

25 March 2014 0 Comments

Riders

A rider is a benefit added to a basic life insurance policy.  Most riders require an additional premium, but some may not.  Here’s a synopsis of some of the types of riders that may be available and my comments: Accelerated Death Benefit This rider states that if the insured is terminally ill a portion of [...]