How can I compare the best rates on life insurance?Usually, the best rates on life insurance are term life insurance, depending on your age.Term life insurance is usually less expensive than whole life insurance because it offers temporary coverage for 10, 15, 20 or 30 years. Whereas, whole life insurance provide lifetime coverage.You can compare term life insurance quotes online by visiting a
Buy Life Insurance Policy for My Husband?
Can you tell me what kind of life insurance policy should I buy?I want to get a life insurance policy for my husband but I don't know anything about insurance. I want something that I won't really have to pay much for right now, but that will give me a lot of money when he dies. What is the best?The lowest cost life insurance is usually term life insurance which provides temporary coverage for 10
The Best Free Life Insurance Quotes Site?
What is the best free life insurance quotes / rates site online?The simpler it is and the faster it is to get information from, the better. Thanks.There are several quality life insurance quote providers online that have access to a large network of leading life insurers, and have been providing life insurance quote comparisons online for several years.Among some of the better life insurance
Life Insurance under $50,000?
Is it possible to get a life insurance plan that is under 50,000 dollars?Yes, it may be possible to buy less than $50,000 of life insurance.When comparing life insurance quotes online many quote providers offer free, instant quotes for $50,000 or more of term life insurance.However, there are some life insurance companies that specialize in offering lower amounts of life insurance protection.Many
How much is a $15,0000 life insurance policy?
The cost of $15,000 of life insurance may vary from $10 per month to more than $50 per month depending on the type and amount of life insurance.In addition, other factors may affect the price including your age, gender, health, family health history, occupation, hobbies, if you smoke or not, your height-to-weight ratio, etc.Also, the minimum amount of life insurance offered by many insurers is
Life Insurance for Homeowner?
Would it be a good choice for homeowners under 25 to acquire a life insurance?Yes, if you own a home and have an outstanding mortgage, you may want to consider buying life insurance to pay off the mortgage i you die.If you have a wife and/or children, you may want life insurance to provide money to pay off the mortgage and provide for living expenses for your family in case you die.The sooner you
Any cheap life insurance for diabetics?
Where I can get good cheap life insurance? Both my husband and I are diabetic.Whether or not you both qualify for cheap life insurance as diabetics depends on the insurance company, and your age, health, height-to-weight ratio and how you manage your diabetes.Many life insurance companies in the past would not insure diabetics. However, now that more information is available about the proper
Best Life Insurance That's Cheap for Smokers?
What's the best life Insurance place to go to that's good and cheap with high coverage amounts, but also good for a smoker?The cheapest type of life insurance for smokers or non-smokers is term life insurance.Term life insurance is the cheapest because it provides temporary life insurance for 10, 15, 20, or 30 years. Also, since it is pure protection, providing life insurance and no cash value
Do Single People Need Life Insurance?
I am single, childless, parentless, siblingless. Do I need life insurance? If I have debts and a mortgage, if there is no family to have to settle it what happens? My friends are telling me that even if I have a will with an executor, (not filed with the state) there is no obligation on their part to pay off my debts if they are not family.Debt is not inheritable. Not even for family members.
What is the best life and burial insurance companies?
I am looking to buy life and burial insurance for my family. So many companies are out there I'm not sure what are the best companies.I would like to buy a policy that covers burial expenses and one that offers life insurance.Actually, you may be able to find life insurance that provides the coverage you need to pay for burial expenses and provide life insurance protection, as well.By comparing
How much mortgage life insurance is needed?
How do you determine how much mortgage life insurance you need?If you want to provide protection for your family to help pay off your mortgage if you die, consider the amount of your mortgage.What is your outstanding mortgage loan and for how many years will you be paying on your mortgage?Then, consider a life insurance plan to protect your family for that time-frame, and amount of protection.For
Finding Mortgage Life Insurance Protection Online?
How can I find mortgage life insurance protection online?You can start by visiting a website that provides information about life insurance options available that help you to protect your mortgage.Mortgage life insurance protection will provide the money your family needs to help pay off your outstanding mortgage loan in case you die.That means, mortgage life insurance can help your family stay
What life insurance companies will offer policies for people with Type 2 diabetes?
You may want to contact a local licensed independent life insurance agent with access to a network of life insurance companies, some of which may specialize in insuring high risk individuals.It's impossible for anyone to recommend one company over another without knowing your health history. Either way, the insurance company may require blood work, a physical examination, and they will obtain
What is the best life insurance company in the the USA?
is there one best life insurance company in the USA, and if so which insurance company is it?There's really no one best life insurance company because there are many that have strong financial ratings and offer good rates and customer service.Also, some life insurers specialize in insuring certain types of applicants so you may find a better rate from a life insurer not noted as one of the top
What are the advantages to buying life insurance online?
Where can I compare our life insurance quotes and what are the advantages of buying life insurance online>First, you can compare life insurance quotes online from a life insurance quote provider like Efinancial or Termfinder which has access to a large network of life insurance companies. You just fill out a quote request form and receive up to 12 of the lowest term life insurance quotes from
Life Insurance No Medical Online
What is life insurance with no medical and how can I get coverage online?Life insurance with no medical is a type of life insurance plan that does not require you to take a physical exam in order to qualify for coverage, but there are usually a few health questions.Yes, you may be able to get no medical life insurance coverage online by requesting a quote, applying for a policy, and finding out
Best Life Insurance with No Medical Exam?
What is the best life insurance plan with no medical exam needed?That depends on which no exam life insurance plan you qualify for, and what are your life insurance needs?The best no exam life insurance plan is the one that meets your life insurance needs, fits your budget, and for which you qualify.Although there are life insurance plans you may buy without an exam, they do ask you a few health
Best Life Insurance Rates for a Senior Citizen?
Where can a senior citizen find the best life insurance rates? I live in the U.S. and I am not a very wealthy man and so I would really need to find the lowest rates for my life insurance policy. I am healthy and I do not smoke or have any other unhealthy habits, so which life insurance company do you think could get me the best life policy rates?The best life insurance for a senior citizen
Compare Cheap Life Insurance Quotes Online
How can I find cheap life insurance quotes online?The quickest and easiest way to get cheap life insurance quotes online is to visit a life insurance quote provider with access to a large network of life insurance companies offering instant quote comparisons.Several life insurance quote providers are Efinancial, Termfinder, and AccuQuote.When searching for cheap life insurance quotes, make sure
What is the best term life insurance with no exam?
The best term life plan without an exam is the one that meets your life insurance needs, and fits your budget.When comparing plans for life insurance with no exam be sure you understand that these plans may offer a limited amount of life insurance coverage. In addition, the rates you pay may be higher than you might pay for a life insurance policy requiring a physical examination.Some insurers
After 70 what kind of life insurance to buy?
What type of life insurance may be available for someone over 70 years old?There are term life insurance plans and whole life insurance plans.However, the type and amount of life insurance available to someone over 70 may depend on your age, health and other underwriting factors, including results of a physical examination.There are several life insurance companies that may offer life insurance
Joan Aragone: Be careful of direct mailings
It's nice to be popular. Or is it?
I recently received at my home an innocuous-looking postcard mailing — one of those tear-off-and-mail-the-attached-card formats — announcing itself as an update on California long-term care.
Printed in black and white with a prepaid postage return, it looked official, as though the state were sending me information I needed to know.
An anonymous message — no name or government agency was identified — said that new legislation would limit my access to government-paid long-term care. Thus, I needed to provide long-term care insurance for myself. For more information, all I had to do was provide my signature and phone number and birth dates for myself and my spouse...
Mercury News: Joan Aragone: Be careful of direct mailings
I recently received at my home an innocuous-looking postcard mailing — one of those tear-off-and-mail-the-attached-card formats — announcing itself as an update on California long-term care.
Printed in black and white with a prepaid postage return, it looked official, as though the state were sending me information I needed to know.
An anonymous message — no name or government agency was identified — said that new legislation would limit my access to government-paid long-term care. Thus, I needed to provide long-term care insurance for myself. For more information, all I had to do was provide my signature and phone number and birth dates for myself and my spouse...
Mercury News: Joan Aragone: Be careful of direct mailings
Life Insurance with Pre-Existing Condition?
Is it possible to buy a life insurance policy if you have a pre-existing health condition?Usually, you can compare life insurance quotes online from several life insurance companies in order to find out if any insurers would offer life insurance coverage to you if you have a health problem.However, you may or may not qualify for life insurance depending on your age, and health.In that case, you
How to Find Good Life Insurance Companies?
What are some very good life insurance companies?I want to get dependable life insurance at affordable rates.One way to find reliable life insurance companies is to look for insurers with high financial strength ratings of at least "A" excellent, or better from a rating agency like AM Best Company.Financial ratings are an indication of the insurer's ability to meet their financial obligations,
Life Insurance and Heart Disease?
Where can I get good life insurance with heart disease 3 years ago?I had open heart surgery in 2006 and I need some affordable life insurance.Whether you qualify for life insurance may depend on the insurance company, your health, age, height-to-weight ratio, the medication you are taking, and your overall health condition.Some life insurance may have guidelines that restrict or deny coverage for
A look at how people pay for retirement
Retirement planning isn't about "the number," but the numbers -- your assets, liabilities, expenses, and income. The more you know about those numbers, the more likely your retirement plan will become a reality instead of a pipe dream.
And a new report will help you get a better handle on at least one of those numbers: income. The average retiree depends on four sources of income in retirement, according to the latest study from the Employee Benefit Research Institute...
MarketWatch: A look at how people pay for retirement
And a new report will help you get a better handle on at least one of those numbers: income. The average retiree depends on four sources of income in retirement, according to the latest study from the Employee Benefit Research Institute...
MarketWatch: A look at how people pay for retirement
I-Team: Annuity Lawsuit Update (Video)
A judge has dismissed some claims against a Cranston lawyer involved in a controversial annuities program...
Turn to 10: I-Team: Annuity Lawsuit Update (Video)
Turn to 10: I-Team: Annuity Lawsuit Update (Video)
New York Eyes Annuity Withdrawal Disclosures
The New York State Insurance Department is drafting advice that would encourage annuity sellers to warn consumers about the dangers of taking early excess withdrawals.
Insurers that are selling annuities with guaranteed minimum withdrawal benefit features should provide disclosure “in the sales presentation before the contract is issued and again at the time an excess withdrawal is requested,” Michael Maffei, chief of the New York department’s Life Bureau, writes in a draft circular letter posted on the department’s website...
National Underwriter: New York Eyes Annuity Withdrawal Disclosures
Insurers that are selling annuities with guaranteed minimum withdrawal benefit features should provide disclosure “in the sales presentation before the contract is issued and again at the time an excess withdrawal is requested,” Michael Maffei, chief of the New York department’s Life Bureau, writes in a draft circular letter posted on the department’s website...
National Underwriter: New York Eyes Annuity Withdrawal Disclosures
Health Conditions Which Can Cause Higher Life Insurance Rates
Not many people know that there are certain medical conditions that are associated with lower life expectancies which result in the most expensive life insurance rates.
Healthy people qualify for lower insurance rates that is equal to half the premium applicants in an average health pay.
Healthy people qualify for lower insurance rates that is equal to half the premium applicants in an average health pay.
Based on a comparison done by a website, the lowest possible premiums for non-smoking girls in exceptional health are more than 50% less than the life quotes for those women with average health. And life rates for the applicants who are in poor health are much higher.
According to a report from a website, the following health conditions garner the highest life insurance premiums. It is because these medical conditions have the greatest effect on reducing life expectancy for the applicant.
- Heart disease
- Diabetes
- Cancer
- Obesity
- Lung disease
People who suffer from any of these insurable medical conditions or their caregivers should look around for the lowest possible premium rates. There are several websites that enable online shoppers to request for life insurance quotes. Another method is by using Google search to get the best life insurance rates online.
Best Life Insurance for Senior?
What life insurance is best for a senior 62 year old female, on a fixed income, AARP or Landmark Life?My mom and I looking at life insurance and don;t understand much about the premiums and the small print on determining the rates. Just need help in determining which is better AARP or Landmark Life? I see two very different charts that have us concerned if we made the right choice with the one
Franklin investor William Spencer pleads guilty in Ponzi scheme
The former Franklin investment advisor accused of mail and wire fraud in connection with an alleged $1.5 million “Ponzi” scheme is awaiting sentencing after pleading guilty in federal court.
William W. Spencer, 68, entered his guilty plea May 28 before Judge William Haynes, according to court documents. The U.S. Attorney’s office for Middle Tennessee initially charged Spencer in April with six counts of mail fraud and five counts of wire fraud, alleging that from 1997 to 2009 he borrowed or solicited nearly $1.9 million from about 100 friends, clients and investors...
Nashville BizJournals: Franklin investor William Spencer pleads guilty in Ponzi scheme
William W. Spencer, 68, entered his guilty plea May 28 before Judge William Haynes, according to court documents. The U.S. Attorney’s office for Middle Tennessee initially charged Spencer in April with six counts of mail fraud and five counts of wire fraud, alleging that from 1997 to 2009 he borrowed or solicited nearly $1.9 million from about 100 friends, clients and investors...
Nashville BizJournals: Franklin investor William Spencer pleads guilty in Ponzi scheme
Judge Lets Claims Stand in Annuity Case
A federal judge in Rhode Island let stand some civil legal claims by two insurance companies against an estate-planning attorney and others who used newspaper ads to recruit dozens of terminally ill people for purchases of variable annuities.
The judge, in U.S. District Court in Providence, R.I., in a Wednesday ruling let stand fraud, conspiracy and other claims against the estate-planning attorney, Joseph Caramadre, and others involved in the alleged scheme. But he dismissed other claims, ruling the insurers couldn't void the annuity contracts...
WSJ: Judge Lets Claims Stand in Annuity Case
The judge, in U.S. District Court in Providence, R.I., in a Wednesday ruling let stand fraud, conspiracy and other claims against the estate-planning attorney, Joseph Caramadre, and others involved in the alleged scheme. But he dismissed other claims, ruling the insurers couldn't void the annuity contracts...
WSJ: Judge Lets Claims Stand in Annuity Case
Live long and prosper with annuities
With the right genes, longevity insurance a plus
Among the many risks retirees face is living too long and outliving their money.
Of course, the first part is a risk many would welcome. It beats the alternative.
Fortunately, there is a solution in longevity insurance, better known as annuities or life annuities. These are contractual arrangements between an "annuitant" -- yourself -- and a life insurance company. In exchange for a chunk of capital paid to the insurer, a life annuity guarantees you payments for life -- even if you live to be 120 or more...
Montreal Gazette: Live long and prosper with annuities
Among the many risks retirees face is living too long and outliving their money.
Of course, the first part is a risk many would welcome. It beats the alternative.
Fortunately, there is a solution in longevity insurance, better known as annuities or life annuities. These are contractual arrangements between an "annuitant" -- yourself -- and a life insurance company. In exchange for a chunk of capital paid to the insurer, a life annuity guarantees you payments for life -- even if you live to be 120 or more...
Montreal Gazette: Live long and prosper with annuities
We Need A Fiduciary Standard For All
Brokers and registered investment advisors don't treat their clients the same way. Investors should end "buyer beware."
All advisors should be held to the same code of conduct. Most investors assume that they can trust their financial advisors to act in their best interest. What they don't know is that some advisors are legally required to act for them while others are not. The financial reform act is giving us the first chance since 1940 to plug this loophole and make all advisors act according to the fiduciary standard...
Forbes:
All advisors should be held to the same code of conduct. Most investors assume that they can trust their financial advisors to act in their best interest. What they don't know is that some advisors are legally required to act for them while others are not. The financial reform act is giving us the first chance since 1940 to plug this loophole and make all advisors act according to the fiduciary standard...
Forbes:
DOL should not regulate generally accepted investment theories, employer groups say
Employer groups, responding to the Labor Department's proposed investment advice regulations on May 5, 2010, said that the DOL should not attempt to regulate what constitutes "generally accepted investment theories."
In the proposed investment advice rules, which were issued in March 2010, the DOL made a request for public comment on the conditions applicable to investment advice arrangements that use computer models. Specifically, the DOL sought comments on whether final regulations should: require (or proscribe) the use of specified investment theories and practices; specify minimum standards (e.g., minimum number of years of experience) for historical data that is taken into account in determining a model's expectation for the future performance of asset classes and specific investment alternatives; or expressly designate the criteria that are appropriate and objective bases for asset allocation...
CCH: DOL should not regulate generally accepted investment theories, employer groups say
In the proposed investment advice rules, which were issued in March 2010, the DOL made a request for public comment on the conditions applicable to investment advice arrangements that use computer models. Specifically, the DOL sought comments on whether final regulations should: require (or proscribe) the use of specified investment theories and practices; specify minimum standards (e.g., minimum number of years of experience) for historical data that is taken into account in determining a model's expectation for the future performance of asset classes and specific investment alternatives; or expressly designate the criteria that are appropriate and objective bases for asset allocation...
CCH: DOL should not regulate generally accepted investment theories, employer groups say
Advisors Expanding Retirement Income Offerings, Survey Finds
Polarized attitudes toward annuities remain; more focus on risk
A new survey further confirms the growth opportunity for advisors from focusing on retirement income products and strategies. However, the report also notes heightened concern among brokers and RIAs with managing investment risk for investors.
The Continued Evolution of Retirement Income Delivery: An Analysis of Leading Practices in Advisor Support was released Tuesday, June 1, from consulting and research firms GDC Research and Practical Perspectives. It finds that 63% of advisors have experienced net growth in the past year in serving retirement income clients. Advisors are also finding baby boomer clients receptive to consolidating relationships. Moreover,while 91% of advisors believe they have the abilities to effectively serve new retirees, practitioners across channels are increasingly wary of how to manage investment risk for retirement income clients...
Investment Advisor: Advisors Expanding Retirement Income Offerings, Survey Finds
A new survey further confirms the growth opportunity for advisors from focusing on retirement income products and strategies. However, the report also notes heightened concern among brokers and RIAs with managing investment risk for investors.
The Continued Evolution of Retirement Income Delivery: An Analysis of Leading Practices in Advisor Support was released Tuesday, June 1, from consulting and research firms GDC Research and Practical Perspectives. It finds that 63% of advisors have experienced net growth in the past year in serving retirement income clients. Advisors are also finding baby boomer clients receptive to consolidating relationships. Moreover,while 91% of advisors believe they have the abilities to effectively serve new retirees, practitioners across channels are increasingly wary of how to manage investment risk for retirement income clients...
Investment Advisor: Advisors Expanding Retirement Income Offerings, Survey Finds
Living And Death Benefit Riders: How Do They Work
The annuity contracts that were first offered by insurance carriers over a century ago were relatively simple instruments. They were designed to insure the risk of superannuation, or outliving one's income, and provided a guaranteed income stream to annuitants in return for either a lump-sum or periodic investment. But annuity contracts have become increasingly complex over the years...
SF Gate: Living And Death Benefit Riders: How Do They Work
SF Gate: Living And Death Benefit Riders: How Do They Work
How to Buy Life Insurance No Medical Online?
Is it possible to buy life insurance online without having to take any medical examination?Yes, there are life insurance plans available which allow you to apply online for life insurance coverage without any medical required.However, these plans usually ask you a few health questions, and it is important to answer all questions truthfully on your life insurance application.In addition, the
Answers on Credit Ratings Are Long Overdue
Raise your hand if you can explain why anyone still believes in credit ratings.
One of the enduring questions of the financial crisis is how the credit ratings establishment got so much so wrong for so very long. How could century-old institutions like the Moody’s Investors Service give their triple-A blessings to subprime junk?
It is time — in fact, past time — for Washington to get some answers. Because despite talk of a shake-up, the companies that dominate the ratings business hope to avoid the radical overhaul their critics are calling for...
Yahoo! Finance: Answers on Credit Ratings Are Long Overdue
One of the enduring questions of the financial crisis is how the credit ratings establishment got so much so wrong for so very long. How could century-old institutions like the Moody’s Investors Service give their triple-A blessings to subprime junk?
It is time — in fact, past time — for Washington to get some answers. Because despite talk of a shake-up, the companies that dominate the ratings business hope to avoid the radical overhaul their critics are calling for...
Yahoo! Finance: Answers on Credit Ratings Are Long Overdue
What term life insurance policy should I get for a 60 yr old man?
My father is 60 years old, a smoker and taking Zocor, and is average weight. The life insurance quotes I have seen for a 10 yr term for $150,000 are $180 a month.Does that seem right? Anyone know a cheaper life insurance plan? Basically I inherit the house while my relative gets the cash, so it's all fair. I would make the payments and leave my relative as the beneficiary.A one year term life
Northwestern Mutual's next CEO gets it
Schlifske's mandate: Keep doing the right thing, don't mess with success
With the company he's poised to run already financially sound and top-rated in its industry, John E. Schlifske knows there's no need to come in and shake things up.
"I view my emergence as the new CEO as just another chapter in the same book," said Schlifske, who officially was elected last week to succeed Edward J. Zore as chief executive of Northwestern Mutual Life Insurance Co. on July 1...
JS Online: Northwestern Mutual's next CEO gets it
With the company he's poised to run already financially sound and top-rated in its industry, John E. Schlifske knows there's no need to come in and shake things up.
"I view my emergence as the new CEO as just another chapter in the same book," said Schlifske, who officially was elected last week to succeed Edward J. Zore as chief executive of Northwestern Mutual Life Insurance Co. on July 1...
JS Online: Northwestern Mutual's next CEO gets it
Pension funds bet on death through life settlements
Allegheny and Westmoreland counties are trying to reduce their pension funds' exposure to the volatile stock market through a relatively new type of investment based on life insurance policies.
The two governments' modest investments in life settlements -- buying and selling the rights to the death benefits paid by life insurance policies covering wealthy individuals -- is not common in the pension fund world, where real estate, hedge funds, private equity and other alternative investments have been mainstays for years...
Post-Gazette: Pension funds bet on death through life settlements
The two governments' modest investments in life settlements -- buying and selling the rights to the death benefits paid by life insurance policies covering wealthy individuals -- is not common in the pension fund world, where real estate, hedge funds, private equity and other alternative investments have been mainstays for years...
Post-Gazette: Pension funds bet on death through life settlements
Planners claim small victory in financial-reform legislation
GAO planning study would bring recognition on Hill, they say
A small provision buried in both the House and Senate versions of financial-reform legislation is being hailed by some as a modest but important step for the financial planning industry.
That provision calls for the Government Accountability Office, the investigative arm of Congress, to conduct a study on the oversight of financial planning. Although many planning advocates are pushing for regulation of their profession, the call for a study — and recognition on Capitol Hill that would go with it — is viewed by many as a step in the right direction...
Investment News: Planners claim small victory in financial-reform legislation
A small provision buried in both the House and Senate versions of financial-reform legislation is being hailed by some as a modest but important step for the financial planning industry.
That provision calls for the Government Accountability Office, the investigative arm of Congress, to conduct a study on the oversight of financial planning. Although many planning advocates are pushing for regulation of their profession, the call for a study — and recognition on Capitol Hill that would go with it — is viewed by many as a step in the right direction...
Investment News: Planners claim small victory in financial-reform legislation
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