Life Insurance Journal

Life insurance journal archives serve to provide summaries of latest life insurance related news and information.

It helps customers learn what life insurance is and how to choose life insurance to protect your family members.

From term life insurance coverage, whole life insurance policy, to universal life insurance coverage, EINSURANCE always offers our best efforts to help you find the right life insurance coverage.

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Are Insurance Benefits Taxable?

Is the cash you receive from insurance benefits taxable? Learn which insurance cash settlements you have to declare as income on your 2010 return.
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Are Life Insurance Companies Screening Your Behavior?

Can your purchases predict how long you will live? Some companies believe it will and it can affect your life insurance premium in the near future.
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Life Insurance: Rent Or Own?

Whether renting or owning, life insurance is a purchase that serves the interests of the ones you love, after you can no longer do so.
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Insurance Considerations For Domestic Partners

Domestic partners insurance policy considerations explained
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Why You Shouldn’t Cancel Your Life Insurance

Like lots of us, you’re sweating how you’ll make the house payment and put food on the table. And you may be tempted to start slashing unnecessary expenditures. Maybe you’re asking, if you really need life insurance. You aren’t alone.
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Beware of Stranger-Owned Life Insurance Scams

Aside from the fact that investing in something that only pays off when somebody dies is kind of creepy, Stranger-Owned Life Insurance is a risky investment.
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What Are the Odds?

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The whole life insurance business is a numbers game, based on the odds of something happening or not happening.
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These Changes to Your Business Can Affect Your Life Insurance

If you’re a small business owner, there are probably a lot of people depending on your continued success – from your family to your employees, partners, investors and creditors. The best way to protect everyone’s interests, including your own, is to keep
what to expect at your term life medical examEINSURANCE

Life Events That Effect Your Life Insurance Coverage

You might think that a life insurance policy is something you purchase and tuck away in a drawer or safe deposit box until it matures or your beneficiaries need it. That would be a very big mistake. Throughout your life, there will be many events that can
what to expect at your term life medical examEINSURANCE

Is Return Of Premium Term Life Insurance Right for You?

For most people, in most situations, term life insurance versus whole life insurance is a better choice and a better value. It provides financial security for your beneficiaries in the event you die during the term of the policy. But term life insurance v
what to expect at your term life medical examEINSURANCE

How to Check a Life Insurance Company’s Financial Rating

Whether you’re considering whole life insurance or term life insurance, you’re looking at a commitment of anywhere from 10 to 30 years. And, since you’re probably buying life insurance to provide financial security for your spouse or dependents, you want
what to expect at your term life medical examEINSURANCE

Life Insurance with No Medical Exam

Before they’ll insure your life, most insurance carriers want to know whether you have any medical conditions or lifestyle behaviors that statistics say will shorten your life and increase the odds they’ll have to pay a death benefit sooner than they’d li
what to expect at your term life medical examEINSURANCE

Facts about Guaranteed Issue Life Insurance

There is one type of life insurance that just about anyone with a pulse can buy. Also known as guaranteed issue life insurance, the age of eligibility varies, but usually ranges from 50 to 80, although some states may allow you to sign up as young as 45 o
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Types of Term Life Insurance

Dollar for dollar, term life insurance is a great value with highly competitive offerings, so it pays to shop around. Depending on the carrier, there are even types of term life with no medical exam. When looking for term life insurance quotes online, h
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What To Expect at Your Term Life Insurance Medical Exam

If you have a family or own a business, term life insurance is a relatively inexpensive way to provide for your beneficiaries in the event of your death. But be aware that, unlike group life insurance, many term life and whole life insurers require that y
what to expect at your term life medical examEINSURANCE

Whole Life Insurance. How Much Do You Need?

It’s called whole life insurance because, as long as you keep current on your premiums, it covers you for your whole life. Contrast that to term life insurance, which only provides coverage for the period (or term) specified in your policy.
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What You Need to Know About Divorce and Life Insurance

Maybe you vowed till death do us part, but you’d do well to consider what happens to your life insurance policy in the event of a divorce. If it’s a term policy, maybe you can convince your soon-to-be ex-spouse to do the right thing and name the kids as b
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Variable Life Insurance Policy – Another Permanent Policy Option

Along with whole life and its hybrid variable universal life, variable life is one of the three types of permanent life insurance policies.