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Common Beliefs and Myths Regarding Life Insurance
Posted in Life Insurance , Permanent Insurance , Term Insurance , Universal Life Insurance , Variable Life Insurance , Whole Life Insurance
November 9th, 2010
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If you’ve been thinking about purchasing life insurance, you’ve probably received a lot of advice from people around you regarding the specifics of buying this type of policy–or even whether you should buy it at all. There are tons of life insurance myths out there, along with some real facts thought to be untrue. Let’s take a look at some of the common life insurance beliefs and whether they should make a difference in your decision to buy a policy. 
Variable Life Insurance: High Payouts?
Posted in Life Insurance , Variable Life Insurance
September 25th, 2009
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If a variable life insurance policyholder opts for a high value policy and consistently funds the policy, there can be very high payouts. Until 2004, most variable life insurance policies could be purchased with the payout totaling close to $2,000,000. At that time policy premiums fell and new policy types allowed for better payouts, which prompted insurance providers such as MetLife and Prudential Financial to raise the maximum payout.
Variable Life Insurance: Maximum Payout Amount?
Posted in Life Insurance , Variable Life Insurance
September 24th, 2009
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Your career has been quite lucrative and because of this, your family has become accustomed to a certain quality of life. If you want to ensure that the level is maintained even after your passing, insure! The maximum payout amounts for variable life insurance is quite large, and any beneficiary worth their weight in gold can manage to live the rest of their lives on the death benefit you leave behind.
How am I Billed for Variable Life Insurance?
Posted in Life Insurance , Variable Life Insurance
September 22nd, 2009
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Variable life insurance is a costly but beneficial way to invest for your future needs and provide a death benefit to your family when you are no longer there for them. Variable life insurance is the most expensive insurance because a portion of each premium payment not only goes to the benefits payment, but also contributes to the cash value investment that policyholders can benefit from.
Variable Life Insurance: Longest Term Limit
Posted in Life Insurance , Variable Life Insurance
September 22nd, 2009
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With a variable life insurance policy, members can either experience great gains or rewards or actually suffer significant losses. With a variable policy, the policyholder opts into a type of insurance that pays death benefits and provides an investment strategy. The policyholder will experience gains and losses depending on market conditions due to the investment component.
Advantages / Disadvantages of Variable Life Insurance
Posted in Life Insurance , Variable Life Insurance
September 15th, 2009
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If you are investigating options toprovides more layers of financial protection for your family, friends or even favorite charity upon your death, a variable life insurance policy may be for you. The reason why it is called “variable” is when you pay your premiums towards your policy, a portion is directly allocated to an investment portfolio managed by the insurance company and is subject to market fluctuations. Those market fluctuations make the cash-value of the policy variable, while the death benefit is guaranteed.
FAQ: Why Choose Variable Life Insurance?
Posted in Life Insurance , Variable Life Insurance
September 11th, 2009
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A variable life insurance policy is not only beneficial to the heirs who are chosen to receive the death benefit from the policyholder, but the policyholder can also reap the financial rewards of funding a policy that builds cash value over time.
By choosing a variable life insurance policy you will get the option to target your premium investment money towards opportunities of your choice. As a policyholder you can have your cash value invested into fixed income investments, stocks, bonds, or even money market funds.
FAQ: Who Benefits from Variable Life Insurance?
Posted in Life Insurance , Variable Life Insurance
September 9th, 2009
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With variable life insurance, both the heirs and policyholder can benefit. Variable life insurance is a dual purpose policy. One portion guarantees a death benefit to be paid to the beneficiaries while there is an investment portion that can also be used by the policyholder to offset their taxes while building cash value in the form of a nest egg.
Can I Withdraw Cash from a Variable Life Insurance Policy?
Posted in Life Insurance , Variable Life Insurance
August 26th, 2009
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In the 1970′s, insurance companies introduced variable life insurance policies to compete for consumer investment dollars against other financial institutions. Variable life insurance policies provide policyholders with a way to save money while providing death benefits to heirs upon their demise. During the policyholder’s lifetime, monthly premiums are paid towards the policy. A portion of the payment goes to offset the overall cost of the insurance while the remaining balance is actually put towards investments that may or may-not increase in cash value, depending on the overall market.
Compare Life Insurance: Universal vs. Variable
Posted in Life Insurance , Life Insurance Quotes , Permanent Insurance , Universal Life Insurance , Variable Life Insurance
April 29th, 2009
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Is choosing between universal life insurance and variable life insurance on your mind? Before you stress out over which type you should purchase, it’s good to take a closer look at their features.