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Why Buy Term Insurance for Your Lifetime?

Written by Termland.com

“It’s Guaranteed to Last Forever or at Least as Long as You Do!” Term life insurance is extremely popular because it is very inexpensive when compared to traditional whole life insurance. However, most term policies purchased today are level plans which offer fixed guaranteed rates for only a specified period of time usually 10, 20.. More

Life Insurance Guide

Written by Termland.com

Life Insurance Buyer’s Checklist Make sure you carefully review your financial circumstances and goals and choose a policy that fits your specific situation. Discuss your circumstances and needs with at least 2 insurance professionals. Using the expertise of more than one agent allows you to gain insightful information that will help you make the best.. More

What Type of Level Term Policy Should I Buy?

Written by Termland.com

Level term life insurance is by far the most popular life insurance policy because it is inexpensive and relatively easy to buy. It is offered in guaranteed level premium periods of 5, 10, 15, 20, 25, 30 years as well as lifetime. But the reason that level term is so cheap is that it is.. More

What is Lifetime Guaranteed Term?

Written by Termland.com

While most term life insurance is temporary, there are now policies that have level term “like” rates with lifetime guarantees. These policies “marry” the strengths of level term life insurance and traditional whole life insurance providing low cost long term protection. How Does Lifetime Guaranteed Term Life Insurance Work? Lifetime term provides a fixed life.. More

What is Level Term Life Insurance?

Written by Termland.com

Term life is the most basic type of life insurance policy. It provides coverage in case you die but is temporary only and builds no cash value. There are several variations of term insurance but the most popular type of term policy is level term life or guaranteed level term. How Does Level Term Life.. More

Key Man Life Insurance and Taxation

Written by Termland.com

If your company owns life insurance policies on your executives or any key people for that matter, you need to be aware of the potential tax ramifications and the requirements to avoid taxation of benefits. Important changes have taken place in the last few years that can significantly impact the taxation of corporate owned life.. More

What is Key Man Life Insurance?

Written by Termland.com

In many cases, and especially in small to mid-size businesses, success can depend upon a few top people that possess unique talents, skills and expertise. These key employees are critical to the long term performance of your company. Losing one of these essential people due to a death or disability can have a damaging effect.. More

Using an Irrevocable Life Insurance Trust in Estate Planning?

Written by Termland.com

Basic estate planning is a process that guarantees your final property and health care wishes are carried out and ensures that your heirs are provided for in exactly the way that you desire. If you are like most people, you want to make sure that your assets do not get squandered after your death and.. More

How Much Life Insurance Do I Need?

Written by Termland.com

One of the most commonly asked questions when considering the purchase of life insurance is “How much life insurance do I need? The truth is that there is not a cut and dry answer. While many financial advisors incorrectly advise buying ten times your income, the real answer is that the amount of insurance you.. More

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