Life Insurance

Life Insurance
Life Insurance

Friday, July 15, 2011

FREE FINAL EXPENSE QUOTES

ABOUT OUR COMPANIES
v  ENSURITY GROUP LLC >>> Has established relationships with top Life Insurance, Health and Auto and Home Companies in the industry.  We proud ourselves in building policies by design, one family, one asset, one business at a time.  We are not a cookie cutter company with a one size fits all slogan.  We are here First, Last and Always for you.
v MADISON LIFE >>> Has an “Excellent” rating with A.M. Best and has more than $1.3 billion in consolidated assets.  Madison National Life is licensed in 49 states and provides one of the best final expense products in the market.
v MUTUAL OF OMAHA >>> The name speaks for itself.  Well over 100 years in the business and A Excellent rating.  $25,000 to $400,000 “non-medical”.  Over $250,000 requires a PHI.  Table 4 is issued standard.  Great Name with many different products.
v AMERICO >>> Over 100 years being committed to providing the life insurance and annuity products you need to protect your most valued assets.  Great Life and Final expense products.
v UHL >>> Owned by the Farm Bureau with an A rating.  They specialize in simplified issue products, a great Accidental Life Insurance with ROP.  They also offer a graded term for younger people with serious health conditions.  Including insulin dependent cases.
v INDUSTRIAL ALLIANCE AMERICAN >>> They offer Life Insurance products with different product features, and charges: including different death benefit options, issue ages and underwriting classifications.  They have a strong UL that accumulates cash for future use and help build a solid foundation for people’s lives.

Saturday, June 25, 2011



How Much Life Insurance Do You Really Need?




Some people equate life insurance with tragedy and death.  Click here for a Free Life Quote

In truth, life insurance is for the living.

Without it, the sudden demise of a key breadwinner could leave a family stranded without the resources to maintain their lifestyle - or even retain their home.

Not so long ago, professionals recommended that families carry a life insurance policy with a death benefit of between five and seven times their annual household income. Today, however, in light of rising house prices in many parts of the country and spiraling college costs, most advisors now recommend eight to 10 times income.
Unfortunately, most American families are underinsured.

According to statistics from industry research and consulting firm LIMRA International, the average American household carries just $126,000 in life insurance - approximately $300,000 less than they actually need - and only 61% of adult Americans have life insurance protection, a decline from 70% in 1984.1