Life cover policies can benefit small businesses that rely heavily on key employees. These individuals often have much knowledge that cannot be easily passed on. Life cover policies can help slow down operations and provide a lump sum to the business if a key person dies. The policy can also be used for other purposes,…
The John Hancock Life Insurance Company was founded on April 21, 1862. It was named for the prominent American patriot John Hancock. Since then, the company has provided life insurance to more than four million Americans. If you are looking for an insurance policy, you can choose from a term, universal, or indexed universal life…
The Independent Order of Foresters operates under the name Foresters Financial. which is a provider of Foresters Life Insurance and financial solutions in Canada, the United Kingdom, and the United States. With offices in Toronto, Ontario, the company provides life insurance and other financial solutions to Canadians and others. To learn more about their products…
Regarding estate life insurance, the oldest child is not legally required to share the payments with the other children. You can make your oldest child the sole beneficiary or name as many children as you wish. You can also name certain percentages of your beneficiaries. Life insurance policy payments can be tax-deferred or used to…
Assurance Life Insurance policies can be purchased online or over the phone without medical exams. Additionally, policies do not require a medical exam. Getting Assurance Life Insurance quotes can be as simple as filling out a short form or contacting an agent. When getting a quote, you will be asked to select whether you are…
Pacific Life offers a variety of term life insurance policies at affordable rates. As a rule, Pacific life life insurance becomes more expensive with age. Rates for Pacific Life are affordable for all age groups. The company has excellent scores from all three major credit rating agencies, which means it is financially sound. The company…
What is key man insurance? It is an important type of business insurance. There is no legal definition of key man insurance, yet it is a necessary protection for shareholders and other business owners. Some of the benefits of key man insurance are listed below. Read on to learn more! How much does key man…
Indexed universal life insurance is an investment-linked insurance policy. The growth is linked to the S&P 500 and you’ll get a guaranteed interest rate. But if you’re unsure about IULs, read on. You might be tempted to buy one because it promises a high interest rate. But there are important things to remember before you…
Relevant Life Insurance is a tax-efficient alternative to group life insurance. If you die or suffer a terminal illness while employed by your company, the policy pays a lump sum in tax-free cash. It is on other life grounds and therefore is not considered a P11D benefit. Read on to learn more about this benefit….
A smoker cannot be denied life insurance if they smoke. Smoking is one of the most important lifestyle habits that affects your premium. Getting an insurance quote can help determine whether you qualify for life insurance for smokers. However, before you can get a quote, you should understand the requirements. Some insurance companies will require…
