Final Expense, Burial Expense, or Funeral Expense – Life Insurance You have probably came across some Facebook ads or TV ads illustrating Final Expense Life Insurance policies or plans, and wondered what does that mean?? Simply, a Final Expense Life Insurance is a Whole Life policy meant to cover the expenses of the insured funeral …
Whole Life Insurance It is a permanent insurance policy, which means the insured is covered for the duration of their live as long as the policy is in effect. The policy will stay in effect as long as the premiums are paid and no lapse in coverage occurred. Read about the difference between Whole Life …
In this article I have aggregated all the common acronyms used in life insurance policies and applications. As licensed agents we go through multiple phases of initial training, then continuing education where we acclimate to speaking the insurance language. But you don’t need to memorize and know every term or word by heart. This is …
What is Term? Term Life Insurance gives you coverage for a fixed number of years, for example 10, 15, 20, or 30 years varies based on the plan and the insurance carriers you choose. Typically Term Life Insurance is Cheaper, in other words have lower premium than Whole Life Insurance. Term Insurance is commonly purchased …
How Stress Can Impact Your Life Insurance Rates Did you know that April is Stress Awareness Month? What exactly is stress? Stress is your body’s reaction to a harmful situation. Your body has a chemical reaction that allows you to act in a way to prevent injury. This is known as a stress response. During …
Understanding and Choosing Life Insurance The choices in life insurance policies can seem bewildering, and they are difficult to understand at first glance. It’s hard to know exactly where to start. You should start with a deceptively easy-sounding question: Do you need life insurance at all? Your detailed answer to that question can help you decide what …
Who Needs Life Insurance? 10 Ways You Can Use Life Insurance Your Life Insurance Strategy – How to Know if You Need Life Insurance Life insurance is designed to protect your family and other people who may depend on you for financial support. Life insurance pays a death benefit to the beneficiary of the life insurance policy. Over …
Here’s a quick guide to the pros and cons of term and whole life insurance. Term life and whole life are two popular variations of life insurance policies. While the basic idea of providing much-needed cash in the event of your death is the same, there are some big differences between the costs and benefits …
The Medicare Advantage Open Enrollment Period (MA-OEP) is another enrollment period allowing people currently enrolled in a Medicare Advantage plan (MAPD or MA) an opportunity to change Medicare Advantage plans – or drop their Medicare Advantage plan, return to original Medicare Part A and Part B coverage, and join a stand-alone Medicare Part D prescription …
Open enrollment is October 15th to January 31. Individuals with qualifying life events can enroll at any time of the year. Medi-Cal enrollment is also year round. Medi-Cal and Covered California use the same application. After you enter your information, you will find out whether you qualify for Medi-Cal or Covered California.
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