Posts by Termland.com

Affordable Life Insurance Rates with Heart Attack or Heart Disease

Written by Termland.com

Does having a heart attack in your medical history mean you are uninsurable? Get more info on Heart Disease Life Insurance Assessing Heart Damage and Insurability A myocardial infarction is a medical term for the more familiar term heart attack. Both labels are used when discussing the most common cause of death in the United States… More

What is a Buy-Sell Agreement?

Written by Termland.com

A buy-sell agreement is a legally binding contract which protects the interests of the company’s owners and permits the business to continue in the event of the death, disability, or retirement of a business owner. A buy-sell agreement, commonly referred to as buy-sell arrangement, is drafted by an attorney and can be implemented with all.. More

How Family History Impacts Your Life Insurance Rates

Written by Termland.com

If you are in perfect health with no significant past health history, it may be frustrating for you to learn that life insurance companies may penalize you for your family’s health history. The reason is that many of the health problems that affect mortality such as cancer, heart disease and diabetes can be linked genetically… More

Term Life Estate Planning

Written by Termland.com

Estate Planning Estate planning is a process involving people who are familiar with your goals and concerns, your assets and how they are owned, and your family structure. It involves a specific group of people that will help you as much as possible, including your lawyer, accountant, financial planner, life insurance advisor, banker and your.. More

What is Disability Income Insurance?

Written by Termland.com

If you are like most people, your biggest asset is your ability to earn an income. Without your income, it would be hard to survive much less maintain your same standard of living. The three major threats to your financial security are death, illness or injury. Life insurance is the practical way of securing your.. More

Deferred Compensation Plans

Written by Termland.com

Smart companies realize the significance of providing competitive compensation packages to their executives and key employees. In fact, studies show that the chief reason why executives leave companies is compensation. A non qualified deferred compensation plan is a strategy companies use to provide additional supplemental benefits to their key people. What is a Non Qualified.. More

How to Compare Term Life Insurance Policies?

Written by Termland.com

“Don’t Be Shortsighted! It’s More Than Just Price!” Whether you are shopping for a new term policy or trying to replace your existing one, there are a few key things you need to consider when comparing policies. Let’s face it, term insurance is basically a commodity and most commodity purchases are made based strictly on.. More

Can I Get Life Insurance with a History of Angina?

Written by Termland.com

In short, the likely answer is yes but there are some factors within your control that can positively affect your chances of getting a more favorable rate for life insurance. The list below includes health and lifestyle issues that if implemented will be evidence to the insurance company that you are serious about your health.. More

What is a Buy-Sell Agreement?

Written by Termland.com

A buy-sell agreement is a legally binding contract which protects the interests of the company’s owners and permits the business to continue in the event of the death, disability, or retirement of a business owner. A buy-sell agreement, commonly referred to as a buy-sell arrangement, is drafted by an attorney and can be implemented with.. More

Buying Term Life Insurance with No Medical Exam

Written by Termland.com

For some people, the thought of having to complete a medical exam just to buy a term life insurance policy is ridiculous. The good news is that you may not have to do an exam to obtain a reasonably priced life policy. In fact, if you can meet a few criteria you may be able.. More