If you want to obtain the most affordable type of life insurance, be prepared to take a medical exam. Before you are issued a policy, life insurance companies must first determine if you are prone to illnesses, such as diabetes, heart disease, stroke, cancer, etc. A paramedical company working with your carrier will send out a certified medical professional (a paramed) to conduct the medical tests and send the results to the company’s underwriter. More >>
How to Take a Life Insurance Medical Exam
14
Nov
As you experience changing events in life and take on greater responsibilities, you may need to manage different kinds of automobile, home, health or life insurance. To help you get started, we have put together this guide to basic insurance terminology. 
In a perfect world, we would all understand each other, speak in a universal language or, at least, have a T.A.R.D.I.S. that gets into our brains and automatically translates all of the universe’s languages. It is a time machine and military vehicle shaped like a 1960s London police box from the Doctor Who TV series.) However, we don’t live in that world and we have to work on being understanding and trying to relate to one another on a daily basis. We have many things in common and other things that differentiate us, that make us who we are. 
Life Happens is proud to celebrate its 20th anniversary. We invite you to watch the video below and learn why Life Happens is needed now more than ever. Then visit the digital timeline to view some of the biggest milestones over the last 20 years. 
Death. Illness. Disability. Probably not on the list of favorite conversation topics. But that doesn’t mean it’s okay to avoid “the talk” altogether. If your parents are getting older, do you know what plans they have in place for their care? What if an unexpected accident were to happen to you? Do your parents or other family members know what your wishes are? If you’ve drafted legal documents to explain your wishes (a will or living will) and purchased life insurance, you’re on the right track. But these documents are only useful if the people who need them know they exist. 
Preston Newby was a youth minister. He and his wife, Tara, were driving with their son to visit family—excited to announce a new baby on the way. In the keeping with the kind of person Preston was, he stopped to help at the scene of an accident. That’s when he was struck by another car and killed. He was only 24. Fortunately, this young couple had done their planning and had bought life insurance. So despite the emotional upheaval that Preston’s death caused, Tara, a stay-at-home mom, and her two sons were able to carry on financially as they had before. 
Permanent life insurance is one of the most confusing topics in personal finance. This makes a discussion of whether to buy term or permanent insurance a daunting task. Term insurance provides a level premium and a level-death benefit protection for a stated period of time, such as 10 or 20 years. Permanent insurance typically provides both a death benefit and cash savings. There are different types of permanent insurance, including whole life, universal life, index-universal life, variable life and variable-universal life. The initial premium for permanent insurance is higher than for term insurance with a comparable death benefit. A portion of the premium may be invested, eventually providing a buildup of cash value. 
One day, I am going to die. How is that for the inspirational statement of the year? I’m not one of those people who sit around and stresses out about the day that I’m going to die. Let’s face it, it’s going to happen. Preferably not any time soon, because I still have plenty of In-N-Out Burger that I want to eat. There is something about the dying thing that you need to realize, though: it’s going to happen to you, too. I hope that it’s many years away from now, because I want you to enjoy some of the finer things in life. 
Introducing AppNOW Upload – an electronic tool for document submission that expedites your case files by submitting them directly to Crump’s application processing team. AppNOW Upload enables you to electronically submit any insurance-related document including term, permanent, long term care, and disability documents. 
A new Merrill Lynch/Age Wave study found that 47% of respondents age 50 or older who identified themselves as retired have worked or plan to work during their retirement years. What’s more, 72% of pre-retirees in that age range said that their ideal retirement will include some form of work. Retirement, which had been age 62 to 65, is now typically 65 to 69. The unforgotten financial crisis may be playing a role in such extended working years. Many people panicked after the market crash, got out of stocks and never got back in. They’ve locked in the losses they took then and are still trying to recover.