Getting Life Insurance if You’re Unemployed

Can you obtain life insurance if you’re unemployed? Everyone, including those who are unemployed, still need life insurance to protect their loved ones. The question then is whether a life insurance company will approve your life insurance application if you’re not working. Unfortunately, the answer to that question isn’t a simple yes or no answer because being approved…

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20 Creative Ways to Use Life Insurance

The majority of people who buy life insurance usually do so to provide income replacement for their families. …but, did you know that there are many creative ways to use your life insurance policy? Term life is a much more basic form of life insurance which pays death benefits only. It’s great for income replacement and providing…

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Life Insurance for Unmarried Couples

It’s one of the most frequently asked questions: “Can I buy life insurance as an unmarried couple?” We understand. There’s definitely some grey area to work through, such as your living arrangements, plans for marriage (or lack thereof), and income dependency. Luckily, we’ve dealt with hundreds of life insurance cases for unmarried partners, boyfriends/girlfriends, and fiancés….

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Is Life Insurance Taxable?

One of the top 10 questions that clients come to me with is: “Is life insurance taxable?” So I decided to answer that question and provide a guide to life insurance gifting to give you some tools to use in case you step over the state and federal estate tax threshold. Your taxes absolutely can be…

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Life Insurance Industry Secrets

What do you really know about the life insurance industry? Do you know who the largest life insurance companies are and if their reputations are supported by a strong financial foundation? We like to be upfront and build relationships with clients who trust us for our integrity and honesty. This is why we feel obligated…

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Can You Have More Than One Life Insurance Policy?

Can you have multiple life insurance policies? You’d be surprised how many clients ask me this question! Let’s face it, way too many people go without ANY life insurance coverage at all! So, if you have the foresight to buy one policy I commend you! But there’s more to this story. I mean come on!…

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Help End GoFundMe Life Insurance Requests: #GoFundMeRebellion

It’s getting out of control, and everyone is frustrated by it. A loved one passes away, and within days, the GoFundMe campaign shows up on your Facebook feed… “Requesting Help for Funeral – Joe had no Life Insurance :(” It’s sad. It’s frustrating. It’s awkward. And it pisses a lot of people off! Take a…

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