You’re Planning for Retirement. Do You Still Need Life Insurance?

6 Jan

010615beachLet’s be realistic. If you have an adequate investment and pension portfolio, if you have made provisions for your health care costs, if you have no one relying on you for financial support, maybe, just maybe you can afford to retire. Did you know that a healthy 65-year-old man has a life expectancy of 87 and a woman, 89; and that 38% of the men and 50% of the women will live to age 90, according to recent research on longevity risks and retirement? More >>

Local SEO Changes in 2014

2 Jan

010215SEOLocal SEO (Search Engine Optimization) changed a lot in 2014. And, within the past few months, some significant changes have been made. This article discusses Google’s local pages quality guidelines, the local carousel, and the “pigeon.”  More >>

Guide to Life Riders

11 Dec

121114liferidersLife Insurance Riders are an often overlooked way to add value to your clients’ policies. They can provide additional coverage for a variety of situations, and offer protection both during the insured’s lifetime and at death. Here is a brief description of some of the more common types of life insurance riders – educating yourself on these options can help you when designing a policy to best meet your clients’ needs. More >>

Insurance 101: Considerations for Young Families

3 Dec

120314youngfamilyWhen you’re starting a family you face perhaps the most daunting financial pressures you’ll encounter at any stage of life. Expenses like a new home and young children weigh heavily, and you’re likely still early in your career, far from your peak earning potential. Meanwhile, you need to begin saving for the future: college for the kids, a nest egg for you and your spouse. How can you address all of these obligations at once? More >>

How to Take a Life Insurance Medical Exam

14 Nov

111414medicalexamIf 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 >>

Cheese Should Be for Pizza: How to Market to Millennials

30 Oct

102814pizzaIn 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. More >>

Life Happens 20th Anniversary Video

29 Oct

102814anniversaryLife 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. More >>

4 Tips for Talking About What Happens After You Die

29 Oct

102814conversationwithagentDeath. 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. More >>

Insuring the Times of Your Life

29 Oct

102814youthministerPreston 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. More >>