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Archive for the ‘Life Insurance’ Category

Why is Life Insurance So Important?

In conjunction with Life Insurance Movement Day, which is today 8/22/2012, I can’t think of a more appropriate time to write about the topic I have devoted my entire career to: protecting families and businesses. Life insurance is obviously not a popular topic of conversation. In fact, when most people hear the words life insurance they do not have pleasant thoughts. However, the negative connotation that most people have about life insurance does not undermine its critical importance to all of us.

For the last 19 years, my area of specialization has been life and disability insurance planning. During this time, my company, MEG Financial, has helped thousands of individuals and businesses protect themselves and their companies with life insurance. As you may imagine, it has not been an easy road (I think all of us know at least one person who has tried and failed at selling life insurance) but the rewards of serving others has greatly outweighed any sacrifices.

Over the years, I personally have come to understand so much more about the life insurance business than I ever dreamed. The truth is life insurance can make all the difference to the people we love and care about most. I have witnessed the “miracle” of life insurance first hand as we have processed 31 death claims since 1994. Among these 31 people were husbands, wives, fathers, mothers, sisters, brothers and many were business owners. They were real people who had real dreams and goals for themselves and their families. The great thing about each of these 31 people is that they loved their families and wanted to guarantee that their dreams and goals could be realized regardless of the circumstances. Therefore, they bought life insurance and large amounts of it.

My experience, in serving others and especially in working with surviving family members, has made a profound impact on me and the way that I look at life in general. The reality is that the importance of life insurance cannot be understated. If you have a family or business, it is your responsibility to protect them. You owe it to your loved ones to make sure they are provided for in all situations. I can’t think of a better time than Life Insurance Movement Day to make sure you have taken care of your true obligations to the people that you love the most.

When Was Your Last Life Insurance Check-up?

Well, 2012 is here and we wish you and your family the best year ever!

As we start into a brand new year, if you are like most people, you think about resolutions, important things you want to accomplish and those lists of things that you were to do last year that you did not get done. If you are like me, family matters and financial goals are top of mind. Now is the perfect time to review these things and life insurance should definitely be on the list.

When Was The Last Time You Went To Your Doctor For A Check-Up?

Yes, you have probably seen the doctor or at least had an annual physical within the last year. If you are in the majority, you will see your physician again this year. It only makes sense for us to make sure that we are managing our health and doing what we need to do to live a quality life.

When Was The Last Time You Reviewed Your Life Insurance Policy?

If you are like some people, the last time you reviewed your life insurance policy was when you receive it from your agent. Sad But True! Yes, it’s a fact that life insurance isn’t the most intriguing topic but having a clear understanding of your life insurance policy(ies) is a very important part of your overall financial plan. In fact, life insurance is crucial to your families financial security!

Top Seven Reasons to Review Your Life Insurance Policy

1. Rates are coming down! See, term life insurance rates reduced.

2. You are overinsured or underinsured. Your financial circumstances change over time and you must make sure that your life insurance keeps pace with the changes.

3. Your level term period is expiring or has expired. Most term life polices offer a fixed rate for a set period of time. You need to keep track of your level rate period so that you can extend it if necessary.

4. Your health has changed. Maybe you have lost weight or quit smoking?

5. You are overpaying! If you paid more than you should have for your existing life insurance policy you need to take another look.

6. You need to change your beneficiary(ies). Things change and you should review your policies to make sure that your beneificary designations are up to date.

7. You have not heard from your agent in years. Let’s face it. Most agents do not provide customer service at all! In fact, most agents never follow-up with their clients once the policy is delivered and effective.

Summary

Your life insurance portfolio is just as important to your financial health as an annual check-up with your doctor is to your medical health. Don’t be shortsighted and miss opportunities to improve your life insurance plan. A second opinion may make all the difference. To get a no obligation life insurance review, call MEG Financial to day at (877) 583-3955. You can also get an instant life insurance quote right now.

Term Life Insurance Reduced!

At the close of 2011, several competitive life insurance companies announced further rate reductions on their term life insurance offerings. Now is a great time to shop the marketplace for a second opinion to make sure that you are not overpaying. In fact, any time you can improve your life insurance plan you should act!

Major term life insurance players such Banner Life, Lincoln Benefit Life and Protective Life have all recently announced that they have again dropped rates for many ages and health classes on their term life portfolios. This rate revamp is a clear indication of the continued competitiveness of the overall term insurance marketplace but even moreso of the commitment of these companies to be leaders in term life sales.

As a consumer, this is great news, especially if you are in excellent health. In many cases, rates for the most healthy buyers fall the most. Regardless of your health though, you now may likely be able to find life insurance cheaper.

Now is the time to check your options. You can get an instant term life insurance quote right from this website.