April 5, 2008
By admin in Athens, Georgia
Readers Question: ” I live in Athens Georgia and need information about Term Life Insurance”
Athens is in Clarke County in Georgia. The University of Georgia is located in this college town and is responsible for the initial creation of Athjens and its subsequent growth. Athens has a significant liberal community. The city is home to numerous eclectic music venues, restaurants, bars, and coffee shops that cater to its creative climate.
Term Life Insurance is intended to provide coverage for a specified period of time. In the event of your death, your survivors will receive the stated benefit payment.
Most people use term life insurance to pay off a mortgage or other debts, provide for child-care or educational expenses or replace income to continue the same standard of living.
Term life insurance is the highest level of coverage at the lowest initial cost. Choose how long your need protection and the premiums are guaranteed up to 30 years.
Generally, your beneficiaries will not have to pay federal income taxes on the money they receive. If you ever want to move to lifetime protection then you can convert to a permanent policy.
For a few extra dollars each month, you can ensure your children are protected because coverage is guaranteed until the age age of 25.
Hope this is the information will help you.
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February 12, 2008
By admin in featured
You’ll never be able to protect your family better than right now. Life insurance is one of the best ways to let them know how much you love them.
It is recommended that you carry life insurance equal to five to eight times your annual salary to help replace income and maintain your family’s current lifestyle if the unexpected should occur. That sounds like a large amount. But stop and think about both the immediate and long-term financial obligations your family would be facing in the event of your death: The mortgage, car payments, groceries, utilities, college–just to name a few.
No medical question, no medical examinations and no medical tests, that means that problems with your health histroy will now be a thing of the past. You can get a $50,000 up to $1 million of tax-free benefit just when your family needs it most. Death benefits are limited during the 1st 2 or 3 years of the policy, but are 100% guaranteed after that.
As with any life insurance purchase, the best way to ensure that your are getting the best deal is to compare life policies and get competitive and accurate insurance quotes to fit your needs. Applying for life insurance will give you a sense of peace that you have taken measures to protect yourself and your loved ones when you’re gone.
Term life, no exam is a great way to protoct your family or business during the period when they are most vulnerable obtaining life insurance can be easy and convenient, with same day coverage by going on line.
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February 12, 2008
By admin in Albany, Georgia
Mike sent me an e-mail this morning asking me: “When buying term life insurance should I buy 10, 20 years or more?”
Albany, Georgia lies in a belt of rich farmland in the East Gulf coastal plain on the banks of the Flint River. Ray Charles, pianist, song writer and soul singer was born in Albany.
Answer to Readers Question: Mike I would recommend that you buy a life insurance policy with the highest amount that the insurance company will allow you and that fits in your budget. This life insurance policy will protect you because you never know what your health condition will be in 20 years.
You should buy term life insurance with a goal in mind and or a term that fits your specific needs. If you are buying term life insurance for mortgage protection than 20 years is right, depending on the length of your outstanding mortgage. If you are buying term life insurance to provide protection until your children are on their own, then 20 years is right for you too.
If you are married and with small children then I think a 20 year life insurance will give you peace of mind knowing that you have provided protection for your family after you are gone. But in the end the decision is your and if all depends on your personal situation. You can get a quick, cheap quote on line instantly.
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