When a client is deciding on who to name as beneficiaries of their life insurance policy, the topic of insurable interest often comes up,  Insurable Interest can be defined as: The interest arising when one person has a reasonable expectation of benefiting from the continuance of another person’s life or of suffering a loss at […]

Anybody who has grown up watching western movies and TV shows know that the good guys wear white hats and the bad guys wear black ones.  Why would I be writing about hat colors on a website dedicated to life insurance?  It’s simply that some folks wearing black hats “done us wrong (forgive the western […]

Sometimes I will do a Google or Bing search for life insurance quotes to get a feel for what consumers have to go through in order to get quotes.  Each time I do so, I am disheartened by what I find.  The search listings can be quite confusing, as I see different companies on the […]

Having been in the life insurance business for as long as I have, I have often wondered why it is called life insurance rather than death insurance.  After all, you can purchase Accidental Death insurance, you can buy Accidental Death and Dismemberment insurance, but when you purchase a policy to pay your beneficiaries in the […]

I know what you’re thinking – who would want a life insurance policy as a Christmas gift?  Can you just imagine the look on your spouse’s or kids’ faces when they open a present and it is a life insurance policy?  And to make matters worse, their present has your name on it. A life […]

What does time have to do with life insurance quotes and how does saving time save you money? Have you ever considered what your free time’s worth?  I usually do when my wife wants me to drive a long way to go to some store that’s having an “amazing sale.”  After driving an hour out […]

Life insurance agents and brokers hope their clients will never need the term insurance policies they purchased.  I don’t know of many sales jobs in which the sales person prefers their clients don’t use the product they sold them. Yesterday, once again I was reminded why I choose to sell life insurance.  We received a […]

In learning about life insurance, it is important to know some key definitions.  By having some key terms well-defined, you won’t get tripped up while reading your application or policy.  Most people never read their policies because they get tripped up on some of the terminology.  You can visit our life insurance Glossary where you […]

When you get quotes for life insurance from your local agent or from a life insurance quote website, how do you know which life insurance company to choose?  On the QuoteClix.com website, for instance, you might see quotes from 6-10 life insurance companies on the quote page.  Should you select the least expensive quote or […]