Tag Archives: life insurance

How Long Do I Need Term Insurance?

Posted on November 8, 2016 by robertjrussellcompanies

The easy answer to drop your term life insurance is when you goal for that plan is met. For example, if you purchased the plan to cover a 30 year mortgage and paid it off early and have no further … Continue reading →

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What Happens if you cancel your Term Life Insurance?

Posted on November 6, 2016 by robertjrussellcompanies

The premium for a term policy is guaranteed for a certain number of years.  If you cancel the policy prior to the end of that term you will have paid slightly more for the coverage than was necessary.  Few term … Continue reading →

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What Are Typical Rates For Life Insurance?

Posted on October 11, 2016 by robertjrussellcompanies

Here are some sample rates for you: $10/month $100/month $1000/month $10,000/month Hmmm. Clearly, more information is needed. Face amount? Guarantee period? Gender? State of residence? Smoker status?Underwriting class? You want to know something interesting? You could have two people born … Continue reading →

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Life Insurance Basics

Posted on October 3, 2016 by robertjrussellcompanies

Term or Perm Insurance, Whats The Difference? There are many types of life insurance including; Whole Life, Universal Life, Indexed Universal Life, Variable Life and Term Life: Whole life: You generally make level (equal) premium payments for life. The death … Continue reading →

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Are Accidents Covered with Life Insurance?

Posted on September 15, 2016 by robertjrussellcompanies

Life Insurance covers death by accident as well as death by natural causes. If the accident was random (an “act of God”, such as being struck by lightning) or related to a health condition (such as hitting a pole while … Continue reading →

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What Insurance Agency has the best rates for life insurance?

Posted on September 13, 2016 by robertjrussellcompanies

The best agency is the website that daily updates their list of Insurance Rates where you can get quotes and apply online To find out more and get a quote CLICK HERE Save

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Do You Have Enough Life Insurance?

Posted on August 12, 2016 by robertjrussellcompanies

No one likes to think about death, but it’s pretty much a guarantee. Whether you like it or not, you are going to die. That means you need to be properly insured so that your survivors can be financially secure after … Continue reading →

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What is a Beneficiary?

Posted on June 24, 2016 by robertjrussellcompanies

In the language of life insurance, a beneficiary is the recipient of the proceeds of the policy when the named insured dies. The owner of a life insurance policy has a great deal of flexibility in naming beneficiaries and can … Continue reading →

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Life Insurance Agents and Commissions: What You Should Know

Posted on May 9, 2016 by robertjrussellcompanies

When shopping for life insurance, it’s important to know how agents get paid. Commissions can play a big role in which policies agents promote and how much coverage you get for your money. How insurance commissions work Commissions vary by … Continue reading →

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What age is it a good idea to look into life insurance?

Posted on May 1, 2016 by robertjrussellcompanies

I get this question more than any question about Life Insurance so here is my answer: Life insurance can be acquired at a variety of life stages.  You may hear about life insurance being used as a tool for infinite banking, … Continue reading →

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