Category: Life Insurance

March 15, 2021

Life Insurance Policy Cancellation – Your State “Free Look Laws” | Get Your Premium Back!

If you don’t like your life insurance policy you can cancel and get your full initial premium back if you cancel within your state cancellation “Free Look Period”. Each state have their own “Free Look Laws” which are governed by their individual state insurance commission – please locate your state in the chart below.  If you cancel your policy during your state free look period […]

February 17, 2021

How To Locate A Life Insurance Policy

The payout from a life insurance policy provides funds to help your loved ones pay for burial or funeral expenses. But claiming a death benefit can sometimes be complicated if you can’t find information on the policy, especially during a time of emotional stress. “Who did mom have her life insurance policy with? A life insurance policy will pay a death benefit when the insured […]

August 14, 2020

Final Expense Insurance and You.

A Final expense insurance insurance policy is purchased with the intention of using the payout to pay for your funeral or any other death-related costs. This type of policy is often called a Final Insurance policy or a burial insurance policy. It is simply a financial insurance product that is designed to help pay for your funeral. When someone buys final expense insurance, it means […]

October 12, 2017

Get A No Waiting Period Whole Life Insurance Policy

You can get a No Waiting Period Whole Life Insurance Policy with Senior Care Life. With this type of policy you will get the lowest and best rate by our carriers. We always try to get you this policy first. Our A+ Rated life insurance carriers will provide you with low cost whole life insurance coverage (With No Waiting Period) up to age 85. You can […]

July 11, 2017

What Is Living Benefits Life Insurance?

Living benefits life insurance is a type of life insurance policy that allows the policyholder to access some or all of the death benefit while they are still alive. This can be done through a variety of riders, such as: Call Direct 1-800-308-9840 Living benefits life insurance can be a valuable tool for people who are facing a serious illness or who need financial assistance to […]

July 4, 2017

Can I Reinstate A Life Insurance Policy I Have Surrendered?

When you surrender your life insurance policy generally the policy is automatically null and void, without recourse for reinstatement. Since life insurance premiums go up as we age, you will not be able to reinstate the old policy because the rates charged on that policy are no longer valid. If you later decide that you need life insurance again, you will have to reapply for […]

June 29, 2017

How to Access the Cash Value of your Whole Life Policy

The cash value of your whole life policy can be a quick and easy source of money in an emergency situation. You use your cash value to make a down payment on a home purchase or to help pay for college tuition. Every personal situation is unique, and the details of accessing cash value funds are complex, it’s probably best to talk with an insurance […]

June 28, 2017

Can A Life Insurance Company Deny Paying A Death Claim

Life Insurance Companies Can Deny Paying Death Claim If There Is Fraud In some situations the life insurance policyholder can deny paying a claim, often times if there is fraud involved. For example, if the policyholder knew they suffered from a terminal illness but did not disclose that knowledge to the insurance company, then they committed fraud and the policy is subject to cancellation. Fraud or […]

June 27, 2017

How Do I File A Life Insurance Claim?

Get The Name Of The Life Insurance Company Find the name of the life insurance company you have the policy with.  You don’t need the policy in hand to make your claim, or even the policy number. If you know the name of your life insurance company, or the name of the agent who sold the policy, the company will look up the policy number […]

June 27, 2017

How Is Life Insurance Premium Calculated?

Life insurance premiums are calculated based on a variety of factors that help insurance companies assess the risk associated with providing coverage to an individual. The premium amount reflects the cost of the insurance coverage and the likelihood of the insurance company having to pay out a death benefit. THE PREMIUM COST The premium cost of life insurance can vary from company to company based […]

December 3, 2016

Golden Memorial Insurance TV AD Commercial – Rate Comparison

Comparing Rates From Golden Memorial Is A Wise Thing Did you just watched a recent TV AD commercial from Golden Memorial Insurance Company? If so, you may have found the commercial very informative on the many reasons you need a life insurance policy to cover your burial expenses. However, despite the great information provided, you need to be wise and compare their rates with other […]

June 1, 2016

MetLife TV AD Rate Comparison

It’s Always Best To Compare Life Insurance Rates You may have just been watching a MetLife TV AD and you promptly call the insurance company to get a quote. You did great! But always keep in mind that Metlife is not the only company that sells final expense or burial insurance policies. Its always best to shop around. Compare rates from other final life insurance […]