Guidelines for Requesting Cash Surrender on Life Insurance Policy

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Permanent life insurance policies such as whole life, universal life and variable universal life have cash values associated with the contracts. These cash values can be surrendered, which means that the insured gives up the coverage that the policy offers in return for receiving the cash value. T

Do I Need Title Insurance When Purchasing Land?

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Title provides evidence of an owner's right to possess and use property, including undeveloped land. If there are defects in the title to a property, and there can be many, they can cause the buyer to lose some or even all of the investment. If you are purchasing land, title insurance is a policy th

Declination Insurance Definition

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When evaluating a policy application, an insurance company can accept, amend or decline the applicant. Understanding the declination process will help you determine the strategy you should take to obtain coverage through another insurance carrier.

Life Insurance Agent Leads

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Insurance Appointment Setting- The f-r•t thing t lok fr w»en choosing a call center to set appointments for life insurance agent leads is experience. You will want to find a call center that h°• extensive ...

What Is the Difference Between Regular Life Insurance & Term Life Insurance?

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Those looking to purchase life insurance can choose between two basic types. Term insurance provides basic insurance protection while regular or permanent plans offer the opportunity to accumulate cash over time.

How Do Life Insurance Companies Insure Annuities?

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An annuity is a popular investment vehicle to help people save toward retirement. Annuities are offered through insurance companies and have a favorable tax structure that helps you minimize your taxes while investments remain in the annuity. Those who are new to annuities often have questions about

What is Annuity Insurance and How Will it Benefit Your Retirement?

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Annuity insurance is a superb method for individuals to arrange for their retirement. Sometimes, it involves investors providing a bound quantity of funds to insurance companies who are able to grow these investments over time ...

How to Calculate USPS Insurance

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If you plan to ship an item using the United States Postal Service (USPS) and are concerned about it being lost or damaged, you can purchase insurance for the item. There are prices for domestic and international shipping and the price of insurance depends on the value of your item. You only need

The Definition of Admitted Insurance

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When you buy insurance, you have the option of purchasing a policy from a broker or insurance company that is licensed in the state where you reside or do business. Insurance purchased from a company or broker licensed in-state is considered admitted insurance.

How to choose the right policy?

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There are so many life insurance options out there that one can spend a lot of time on just choosing what type of life insurance they need. But before you even start thinking about your ...

Insurers and Consumers Face Japan Disaster

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Following the Japan earthquake and tsunami disasters, shares in insurance companies - especially those selling life and health policies - seemed to be in a freefall. This, after worries that the billions of dollars in ...

When Is Term Life Insurance Necessary?

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Term life insurance is coverage that provides basic death benefit protection. When you die, your heirs (beneficiaries) receive the death benefit proceeds from your life insurance policy. But, you should understand what situations warrant buying term life insurance. While this type of insurance has i

How Does Life Insurance Work?

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In today's age having life insurance is a great way to ensure that everything is taken care of. Providing capital on which they can take our loans and for many life insurance is a way ...

Life Settlement Requirements

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The decision to sell a life insurance policy for a lump sum payment is a concept that is becoming more popular by the day. This makes sense since it is difficult to use an illiquid ...

Risk Coverage in Life Insurance

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A life insurance policy provides you the necessary risk coverage to deal with an unfortunate event like death. Once you have decided to get life policy, the next question that comes to mind is how ...

About Aflac Short Term Disability Insurance

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How to Determine if You Need to Make Quarterly Estimated Tax Payments

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When it comes to money, Uncle Sam likes to get his share as quickly as possible. This is why you have tax withheld from your regular paycheck and why, if you make other income, you must pay quarterly income tax payments. It's easy to determine whether you need to pay quarterly tax if your income com

Do All Veterans Automatically Have Life Insurance for a Surviving Spouse?

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Surviving spouses of veterans receive benefits upon the veteran's death, including surviving spouse life insurance benefits, according to the VA Loans website. However, the veteran must make arrangements to keep his life insurance prior to leaving military service. If he does not do so, his insura

Acquire Life Insurance Plans to Obtain the Financial Benefits

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Life is really unstable. This means that you might face several circumstances in life that result in physical and financial problems, you can face lots of troubles because of this. But, this does not imply ...

Is Whole Term Life Insurance with a Retirement Plan a Good Idea?

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When you purchase a whole life insurance policy (sometimes referred to as "term to age 100"), you receive a death benefit and a cash value savings. This savings can be used to supplement your retirement. But is this a good financial decision? Make sure you understand how whole life insurance is used