PostLife Insurance Blackout Period
The life insurance blackout period is referring to the Social Security blackout period. This is the period when a widow with children will cease to receive any Social Security benefits until she reach...
FAQ
PostPostIs a life insurance policy public record?
We often hear about information that is in the “public record.” What exactly is meant by the public record? A public record is that information that is kept by a state, a municipality, or ...
PostLife Insurance BMI Requirements
BMI stands for Body Mass Index. It is a measurement of the fat in your body that relate to height and weight which applies to most adult people age 20 and over. BMI should not be used for diagnostic p...
PostAttending Physician Statement for Life Insurance Policies
An attending physician’s statemtent is a request sent by an insurance company for more detailed medical information about an applicant who is applying for insurance. The request can come from ei...
PostBeneficiary Rules for a Life Insurance Policy
The beneficiary of a life insurance policy is the party or parties that are named by the policy owner as the recipient of the death benefit of the policy when the insured dies. There can be more than ...
PostCan I buy life insurance on my dog?
Dog life insurance is not the same as life insurance that a human would carry. Human life insurance is typically purchased to replace the primary earners income in case of early death. Most dogs do no...
PostCan child support take my life insurance money?
If you owe back child support there are several remedies that can be used against you for the purposes of collecting the money. If an ex-spouse sues you for back child support, the most common method ...
PostCan I get life insurance when pregnant?
It is possible to get life insurance when you are pregnant, but it would be wise to think about applying before conceiving or at least during your first trimester. Being pregnant is not a stopper nece...
PostCan a life insurance policy be used as collateral for a loan?
Typically, a life insurance policy can be pledged as collateral for a loan. You must be the owner of the life policy. You can use cash value life insurance and sometimes even term insurance as collate...
PostCan I get a life insurance policy with high blood pressure?
High blood pressure, or hypertension as the condition is known in medical circles, will not usually stop a person from being covered with life insurance. There are many factors that go into life insur...
PostCan you cancel your life insurance?
A life insurance contract is a one-way contract, or unilateral, meaning that only one party may cancel it. The policy owner has the legal right to cancel the policy at any time, but the life insurance...
PostCan you cash in your term life insurance?
Term life insurance is a uniquely special form of life insurance that provides death protection for a specified period. It is pure protection and will pay off if the insured dies at any time during th...
PostCan you 1035 an annuity to a life insurance policy?
Life Insurance and Annuities Life insurance policies and annuities are both financial products that accomplish specific things. Both are financial instruments that can only be issued and maintained by...
Can a power of attorney change a beneficiary on a life insurance policy?
Protecting your assets with the right documents will help guarantee that your rightful beneficiaries will have money to live on when you die. People experience many changes during their lives, includi...
PostCan you cash in your whole life insurance policy?
Whole Life and Cash Value Although there are different kinds of whole life, they all accrue a cash value. This makes them different from term insurance. The cash value of whole life is cash you can po...
PostCan a term life insurance policy be converted to whole life?
Term Life Term life insurance is a life insurance policy that is established to provide a death benefit to a named beneficiary for a set period of years. Usually, the death benefit remains the same fo...
PostCan I be denied life insurance?
There Are a Myriad of Reasons Why You Can Be Denied Life Insurance To purchase life insurance, you must qualify on several different fronts. You will be examined, scrutinized, interviewed and document...
PostAre life insurance companies FDIC insured?
It has become so common to see FDIC signs in every banking institution that it is often assumed anyone dealing with your money is insured. The fact is FDIC does not insure all types of monetary transa...
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