Why is Life Insurance in NJ on the Rise? There is a booming industry in New Jersey and it is not in any industry that people might consider. It is in life insurance in NJ and there are a few common factors as to why this is happening right now. Some may consider it to be greed on the insurance companies' part, but this is not the case and is not the reason that the industry is now experiencing an uprising.The following are the most common...more
Three NJ Life Insurance Questions Commonly Asked Buying life insurance never seems easy for those who are seeking it. This is because the policies are so complicated and it can be difficult to understand some of the terminology. Another aspect is finding the life insurance that fits the needs of the policy holder as well as the budget that is available. There are some common questions that are asked and the following are the top three NJ...more
Life Insurance You Can Borrow From As a popular plan, whole life insurance is usually the most requested type of cash value life insurance. The question is, is it the best plan to use if someone needs to borrow from the policy? In most cases no! As you may know, whole life insurance is one of the most inflexible type of cash value life insurance. If your plan is to be able to borrow from an insurance policy, the better choice would be universal life insurance.Why universal life? Simply put, it is because it is more flexible and less restrictive when it comes to taking money from the policy or even adding money beyond basic premiums. In some cases, these policy can even be used as savings account. That is, after the surrender period (which can take a few years).Keep in mind that if you borrow from a universal life policy, a high interest may apply. Make sure to check on the interest rates and the interest credited to the policy before you borrow. In other words, what is your net cost for borrowing from the insurance policy? One advantage of borrowing as opposed to an outright withdrawing, is that you should not have to pay any taxes on the the money borrowed. Again, the...more
Life Insurance You Can Actually Afford! You've decided to purchase life insurance. Well then, you've made a fantastic decision for your family and those you care for. Knowing that you've provided for them after you're gone is a priceless feeling. However, buying life insurance shouldn't break your budget. Make note of the following options...more
Top up your Life Insurance "Fun is like life insurance; the older you get the more it costs"…Kin HubbardWe have all heard about the importance of rupee cost averaging when it comes to investments but very rarely do we realise that the concept can and should be used even when buying financial protection through life insurance.In our earlier...more
Methods For Locating A Dependable Whole Life Insurance Company Everybody wants the best insurance available. Some people can spend hours searching the web and requesting quotes from a large number of insurance companies. The information you give out is private and delicate and should be treated carefully. The web does however act as a portal for these insurance companies to get their brand recognized. It also means that you should be careful about who you insure with.Insurance policies are a good investment in your future and really should not be taken lightly. Any insurance company you insure with will need to have a good reputation. Make an effort to read through reviews about the insurance companies you are looking at and make a thought out decision as to who you finally insure with. They should be stable and in no danger of not making it. They should also have a reputation of paying claims quickly.Beware of insurance companies who will only give you a quote if you supply your credit card or banking details. Many good insurance companies do not need these details to give you a quote. After all, you have not signed on with them yet and owe them no money. The most personal...more
Health insurance is an expensive necessity that many have in case of emergency. Finding the best rates for health, life, and auto insurance can be a daunting task to say the least. There are a host of insurance companies that have dedicated websites...more
Why should it be so difficult to get approved for life insurance when taking simple steps can make all the difference. Whether you have type 1 or type 2 diabetes, it is possible to get approved and get good rates on life insurance.Step 1 - A diabetic...more
Year 2010 had passed, and a new year has begun. This phenomenon always happens yearly; a year ends, and a new one starts. Done with the old things for a latest one is here. Ironically, this new one will be going to surpass and another will set off....more
Long Term Care InsuranceIntroduction to Long-term care health insuranceLong-term care insurance policy eases your financial burden in the case when the policy holder needs nursing home care, home-based health care, or adult day care. The policyholder...more
Have you ever ever asked yourself, Is a turtle the correct pet for me? Then have you looked forward to purchasing a turtle, yet you have been simply unsure if you could care for it correctly so you just didn't purchase one? Or to put it in another...more
Life insurance advisor can help you choose the right life insurance policy for yourself & your family The market is flooded with life insurance plans and policies. There is term life insurance, whole life insurance, and universal life...more
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