Life Insurance

Veterans Term Life Policies are available to all service members, their families. With many different forms of Veterans life insurance there is sure to be a perfect plan for you and your family. Premium Rates Premium rates for Veterans life insurance policies are based upon age not gender or health issues. Smokers are not penalized … Read more

The human condition is vulnerable. Death and injury are common, whether from natural or man-made causes. Insurance, especially life insurance, is used to provide coverage to a worker’s family in case of death. However, there are other forms of personal disaster aside from death. Disability Insurance Medical trauma and debilitating injury are just as costly … Read more

What To Know Upfront About Life Insurance Exclusions Understanding your life insurance policy is essential. As with all other types of insurance, there are exclusions, limits and requirements to the policy, benefits and payouts. These exclusions and provisions control  how an insured can use the life insurance policy. It is best to know every aspect … Read more

Grace periods are common in most financial products. The grace period in a life insurance policy is meant to protect the insured. If there is a lapse in the premium payments, it is to prevent the life insurance company from requiring the insured to provide proof of insurability again. When you first purchase a life … Read more

Reinstatement Clause A reinstatement clause is a clause written into an insurance policy that makes provisions for the restoration, or reinstatement, of a policy that has lapsed because of nonpayment of the premiums. The life insurance companies usually allow a grace period when they give the insured some time to catch upon payments.  It can … Read more