Posted on: Tuesday, May 15th, 2012 by jcliff

Becoming a parent for the first time is an exciting and usually overwhelming time.  There is so much to think about from the nursery, feeding, baby showers and parenting classes.  But one important aspect that is often overlooked during this busy time is changing life insurance needs.  Before having children many people do not carry life insurance, but bringing a new life into the world that you are completely responsible for may change your outlook.

Life insurance is an important financial tool to help your family in the event of your death.  This becomes even more …

Posted on: Monday, May 14th, 2012 by jcliff

American Family Life Insurance is a household name and they have a lot to offer their customers.  But you still have to ask yourself if it’s right for you and your family’s particular situation.  It’s important to gain a financial foothold in the event of your death and American Family can be a great option to help secure your future.

American Family offers three types of life insurance policies including term life insurance, whole life insurance and universal life insurance.  Their term policies are very common and offer temporary protection to help with large bills such …

Posted on: Friday, May 11th, 2012 by jcliff

Woman’s Life is a community of women focusing on life insurance products to best suit their needs.  The Woman’s Life National Cause helps women find the quality products they deserve and one such product is called Intuitions 20 Pay Whole Life.

The purpose of the Intuitions 20 Pay Whole Life program is to provide insurance protection with premiums that only last for twenty years.  By paying into this type of whole life insurance policy, it provides coverage that is paid up for life after 20 years of payments.  Even if health deteriorates and becomes a factor, …

Posted on: Wednesday, May 9th, 2012 by jcliff

If you are sending your child off to college this fall, you probably will not be making life insurance decisions with them.  Life insurance is not typically included in the slew of benefits universities offer their students.  So, do parents need to consider buying a life insurance policy for their college student?  That can only be answered by you and your family alongside your financial advisor, but recognize that many college students do have coverage.

According to the article “Life Insurance Not Common for College Students” by Jeff Sturgeon on, less than half of people …

Posted on: Monday, April 30th, 2012 by jcliff

According to the LIMRA press release from April 24th, approximately 75% of all Americans have confidence in life insurance companies.  The new study from LIMRA points out that this number jumps to 90% when looking at Americans who own individual life insurance.

LIMRA found that consumers who have directly or indirectly seen life insurance make a difference in someone’s life, were much more likely to feel confident in life insurance companies when compared to consumers who had no experience in the matter.  Robert Kerzner, president and CEO of LIMRA, says this study further confirms that life …

Posted on: Sunday, April 15th, 2012 by jcliff

If you are a veteran and looking for quality life insurance, you may have come across some road blocks.  If you have a pre-existing condition or are over the age of 50, you could be facing higher life insurance rates, and some veterans can’t find a quality policy at all depending on their situation.  Luckily, the Department of Veterans Affairs may be able to help qualified individuals find veterans life insurance.

According to the Department of Veterans Affairs website, life insurance policies are available to US veterans and can offer additional help finding supplemental coverage.  Public …

Posted on: Saturday, March 31st, 2012 by jcliff

We are all looking for little ways we can save money, especially during these tough economic times.  Many people are unaware that there are ways to cut costs on insurance products including life insurance.  Julie Bawden-Davis wrote a great article outlining in detail some tips on saving money on life insurance found on the FoxBusiness website.

The article discusses 10 tips for saving on life insurance which include tips such as:

Buy just enough life insurance to meet your needs
Choose term life insurance
Buy as early in your life as possible
Pay attention to your health
Pay your …

Posted on: Saturday, March 24th, 2012 by jcliff

If you haven’t noticed, recently unveiled a new, user-friendly version of their well-known site for consumers.  The overhaul of the site aims to present a cleaner and more organized experience for consumers according to the press release on InsuranceNewsNet.

There’s been a great response so far to the fresher site and visits have increased as consumers continue to use the site for valuable life insurance information.  The online tools at help consumers make informed and educated decisions before purchasing a life insurance policy.  So, spread the word that this site is …

Posted on: Thursday, March 15th, 2012 by jcliff

When deciding to purchase a life insurance policy, many people consider the financial burden placed on their families in the event of something happening to them.  How could my family afford to pay all of our bills without my financial contribution? It’s probably the #1 reason why people buy life insurance, actually.  This simple truth suggests however, that if someone, perhaps a stay at home parent, was not contributing to the family monetarily, they wouldn’t need to be covered under a life insurance policy.  Makes sense, right? Not according to Frank N. Darras, and the …

Posted on: Friday, March 9th, 2012 by jcliff

The economic situation in our country is one of the most talked about during this election year.  Presidential candidates are trying to convince the voters that they have a plan to rebound the crisis and lower the national unemployment rate, which hit 8.3% in recent months.  In the meantime, many are struggling to pay bills, keep a roof over the heads of their family, or even put food on the table, leaving them feeling trapped and out of options.  However, according the Fox Business article, “Out of Work? Consider Tapping Your Life Insurance Policy for …