By Dave Hoffman Divorce is catastrophic: it increases the rates of suicide and heart disease; can decrease overall well-being for both parents and children; and it significantly hurts the financial position of the parties, especially women. But unlike almost all other catastrophic risks that we face, the costs of divorce can not be fully insured. Because of statutory requirements that limit insurance... 

When investing in a disability insurance policy, the disability insurance rates that you pay are a major concern. There are several factors that affect the disability insurance rates. Let us take a look at some of them. Disability is not a thing that anyone would want for sure. But nevertheless, there are always chances of you incurring some kind of disability or illness. Thus, it is advised that... 

Do you really need Mortgage Life Insurance? Should you say ‘No’ to your banks mortgage insurance Before you sign on the dotted line to purchase Mortgage insurance, think twice! While on the surface buying mortgage insurance appears to be a sound decision to protect your loved ones from losing their home in case of death. This may not be financially the ideal way to go if you are really... 

The first step to marketing life insurance is to decide who you are going to marketing to. What does your target market want? keep that in mind as well delve into this article on marketing life insurance… Lets consider why people buy life insurance. Most people buy life insurance because they know that either their family will be totally devastated from the loss of one or both income earners,... 

How much life insurance do you need? This comprehensive life insurance calculator includes detailed net worth analysis, budgeting and college savings to help you decide how much life insurance you might need. You can also adjust the inflation rate and your expected rate of return to see how these variables can impact your insurance needs. Definitions Years for insurance income to last Number of years... 

By Liz Pulliam Weston Right now, your company could have a life insurance policy on you that you know nothing about. When you die — perhaps years after you leave your employer — the tax-free proceeds from this policy wouldnt go to your family. The money would go to the company. Whats more, the company might use this policy to pay for retirement benefits and other perks not for you or your... 

Continuing Health, Dental, Vision or Life Coverage Terms Vest – An employee who has worked long enough to keep benefits, and who contributed to a retirement system, but who is not ready to retire or draw retirement benefits. Non-Vest – An employee who has worked long enough to keep benefits, but who did not contribute to a retirement system. Retiree – An employee who has worked...