Life Insurance

What Is Term Life Insurance With Living Benefits? Explore Our Complete Guide for 2025 + YouTube Video What Is Term Life Insurance With Living Benefits? First, let’s go over what conventional term life insurance is all about so you can better understand the difference.  The concept is very straightforward: you pay the premium, and if you die, the policy pays out its death benefit to your beneficiary. Term life insurance proves to be an affordable and practical solution for the vast majority of people looking to secure financial protection for their families. If you look at a standard term policy, …

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How to Find a Lost or Unknown Life Insurance Policy: Complete Checklist for 2025 + YouTube Video It’s time to play detective. How to find a lost life insurance policy is not as difficult as it may sound. I received quite a few calls from people who just experienced a family member passing away. Unfortunately, they had no idea where the deceased kept their life insurance policies and other legal papers and they wanted to start a policy search for the lost policy. Years ago, this would have been a nightmare, but thanks to our modern technology and a computer, …

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Independent Insurance Agents – Why They Can Save You Money & Time + YouTube Video The advantages of working with Independent Insurance Agents are much greater than most consumers realize. Independent insurance agents are also known as insurance producers, brokers, advisors, and insurance consultants. They serve as liaisons between consumers and the insurance companies they intend to apply with. This is even long after the individual has had their policy issued and in force. The independent agent is committed to assisting you with any questions or issues that may arise. The information you will see below will further explain the …

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Does Using Marijuana Affect Life Insurance Rates? Explore Our Complete Guide for 2025 + YouTube Video When it comes to life insurance for marijuana users, people often wonder if their personal lifestyle choices could impact their ability to secure coverage or affect the premiums they’ll pay. You’re not alone in being concerned. The good news is that purchasing marijuana life insurance is not only a simple process, but depending on how much you smoke, there might be no increase in your premium at all. By understanding how insurers assess the use of POT, you can position yourself to secure the best …

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