Cheapest Life Insurance

The Nanny — Nazi — State (The original & my responce)?

February 4th, 2010

Willys cynical thought for the day;

In my web research, Declaration of Independence, etc., I have yet to find where the government says they’ll be my freaking mommy! So you goddamn politicians stay the hell out of my life and pockets AZZHOLES!

The Nanny State (I got this in a Biker email rag)

Worrying about bacteria, New Jersey banned restaurants from serving eggs sunny side up. The ban has since been lifted. Some New Jersey localities have a ban on people pumping their own gasoline. Policemen issue citations for driving without a seatbelt. By law new cars must be equipped with air bags. Federal law mandates that all new toilets flush using a paltry 1.6 gallons of water. G

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Life Insurance Beneficiary Designations

February 3rd, 2010

Life insurance beneficiary designation can either be revocable or
irrevocable.

A revocable beneficiary can be changed by the owner of the policy without the signature of the beneficiary. An irrevocable beneficiary gives the beneficiary extra ordinary powers, so that policy changes can only be made with the signatures of the owner of the policy and the beneficiary.

A revocable beneficiary can be changed by the owner of the policy without the signature of the beneficiary. An irrevocable beneficiary means policy changes can only be made with the signatures of the owner of the policy and the beneficiary.

This is a very important distinction and because of this, irrevocable beneficiaries are often included as part of a divorce settlement.

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Study Shows Life Insurance Customers Value Their Policies

January 31st, 2010

A December 2009 study from Prudential Financial, Inc. found that despite (and due to) insecurities related to finances, Americans have a growing interest in financial products that offer guarantees. Among those financial products, life insurance polices are particularly popular, that’s according to the life insurer’s study, Life Insurance – A Guarantee in Uncertain Times.

Facts from the Study

The study shows that respondents feel fairly confident about products with guarantees. In fact:

70 percent believe products with guarantees are worth the cost. 94 percent who own life insurance policies value the guarantee it provides. Full Article…

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West Coast Life Insurance Products

January 30th, 2010

West Coast Life Insurance is a major player in the Term Life marketplace with competitively priced products and plans. If you are looking for affordable term plans they could be an option for you and your advisers to take a look at the different plans they offer. Below is some information about the company and some of their products…

Focus Guaranteed Level Term Series
Our Focus Term Series is ideal for people of most ages who would like to have life insurance coverage with level premiums guaranteed for the initial term period. 

Income Replacement Term Series 
The Income Replacement Term^SM Series are new and innovative term life insurance policies. 

Golden Legacy Term
Golden Legacy Term was designed as an affordable plan for individuals with estate planning needs.

West Coast Life Insurance

In 1997, West Coast Life Insurance Co. beca

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Banner Term Life Insurance OPT Term Products

January 27th, 2010

Banner Life Insurance is a large life carrier that is highly focused on bringing competitive term life insurance products to the marketplace.  They are owned by Legal and General based out of the UK and their US headquarters is in Maryland.  I personally like working with Banner Life due to competitive premiums and some good underwriting niches that they have. See more information about Banner below and please visit their website for current Banner Life Ratings.

Banner Life Insurance

The history of Banner Life Insurance Company is over 50 years strong. Beginning in 1949 as Government Employees Life Insurance Company (GELICO), Banner Life Insurance was acquired by Legal & General Group Plc as a wholly owned subsidiary in 1981. I

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