In today’s environment, there are so many ways that people leave themselves open to lawsuits. These lawsuits can damage a person or business’ reputation, not to mention the financial loss. Companies have had to file for bankruptcy and shut down, because of extremely large lawsuits filed against them. Even when you are doing everything right [...]
Life insurance companies offer 4 major rate classes. Preferred Plus Preferred Standard Plus Standard Along with two smoking classes. Preferred smoker and standard smoker. A rate class is important because it will ultimately affect the cost of life insurance. Your rate class is the single biggest factor in the cost of life insurance next [...]
Should you buy a Second to Die Life insurance Policy? Commonly referred to as last to die insurance, joint insurance or survivorship insurance, second-to-die life insurance is a form of insurance policy is an affordable and interesting option that you may want to consider for estate planning purposes. A second-to-die life insurance policy is a [...]
Everyone knows that smoking is an expensive habit, but most limit their focus to only the cost of the cigarettes themselves. While the cost of cigarettes can add up to nearly $1,500 a year, the truth is that smoking costs much, much more. There are a myriad of other costs associated with smoking that [...]
A lot of people think that being an insurance agent is easy and creates a lot of money. This is indeed, true, as long as the agent has the necessary characteristics to make him successful with his job. Being an insurance agent has a lot of advantages such as being able to work on [...]