Term Life or Permanent Life Insurance Over 50?
Many people over 50, or even well into retirement years, are considering the purchase of a new life insurance policy. Some people associate life insurance with younger people, but some of us reached middle age with many of the same obligations we had when we were younger. We [...]

Return of Premium (ROP) Gives Back Money
What if you could purchase an insurance policy, be lucky enough not to ever use it, and then get all of your money back at the end. This would seem like a win-win situation. You would be protected, but if you never needed to make a claim, you could [...]

A life assurance policyholder pays a certain amount of money in his or her lifetime to an insurance company to safeguard their future or the future of their dependants.  People do this by paying the insurance company a premium either at regular intervals or in one sum depending on the type of life assurance policy.  [...]

If your purchase a new home with a mortgage, or if you refinance your home, you are sure to get some offers for a product called mortgage insurance or mortgage life insurance. The card in the mail, or the phone call on your answering machine, will probably offer to protect your home mortgage in case [...]

It is a fact that life insurance premiums have dropped since the 1990’s. In fact, the drop is so severe, that the old and time worn advice about never replacing a life policy, may need to be re-examined. Of course, everybody should do their due diligence first, and make sure they are trading apples for [...]