Archive for November, 2009

BMO Insurance 20-Pay Whole Life Plan: High Premiums, But Strong Paid-Up Values

Posted by Admin at November 06, 2009
No Comments »

BMO Insurance offers a wide variety of permanent life insurance policies, some are very competitive, while others could leave you overpaying. BMO’s 20-pay, Non-participating Whole Life plan has a high ticket price, (in some instances, up to 70% above that of its competitors) but it also has very aggressive cash values and industry leading paid-up features.

The non-participating feature of BMO’s 20-pay plan means that the client does not participate in the insurance company’s profits and all the values within the policy are fully guaranteed. The plan’s particular asset is its paid up feature. Starting on the tenth policy year, the policy can be paid-up for a reduced face amount with no further premiums required.

Full Article…

Post Tags: Life Plan Plan Whole Life Whole Life Plan

Getting Life Insurance with Medical Conditions

Posted by Admin at November 02, 2009
No Comments »

Finding life insurance with a preexisting condition may seem like an impossible task. Preexisting medical issues make you a high risk to the insurer, and thus affect your insurability as an applicant. Indeed, you may have already been told that you are uninsurable as a result of your condition. However, even with medical issues, it is still possible to get life insurance as long as you take the right steps and research your options.

Find an agent with experience. To get coverage with a preexisting condition, you will need the help of a life insurance agent with experience with high-risk life insurance, also called impaired-risk coverage. Full Article…

Post Tags: Life Insurance Medical

An Introduction to Annuity Insurance and the Fixed Annuity

Posted by Admin at November 01, 2009
No Comments »

Many Americans wonder how to best invest their money for the long-term. Annuity insurance is one option consider, an arrangement in which an investor makes an upfront, or ongoing payments, and in return receives return payments of principal and interest for their retirement. Return payments can be for a period of time or for the life of the investor.

Annuity insurance can provide many benefits including unlimited contributions to a tax-deferred income stream. Annuity payments give retirees structure, and a beneficial way to plan their spending, and ensure money for life.

There are three main types of annuities: fixed, variable, and indexed.

Full Article…

Post Tags: Annuity Annuity Insurance