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Life Insurance and Long Term Care

Life Insurance and Long Term Care is usually not seen together as one. People have spent a lifetime trying to make ends meet. Trying to pay the mortgage , trying to have a fund for your children’s education and just day to day living. Life Insurance is just part of planning your future and leaving.. More

10 Important Reasons For Life Insurance

Ten Reasons to Buy Life Insurance 1. Help build a legacy for children or grandchildren 2. Build a cash value that can be used to help pay for college 3. Leave money to your favorite charity/church 4. Help cover burial expenses 5. Help pay final expenses 6. Help avoid probate expenses 7. Help protect against.. More

Getting Started With Life Insurance

Getting Started With Life Insurance Life insurance can be complicated. Whether you’re trying to create peace of mind for the future of your family or preparing for retirement, you need to compare life insurance quotes and plans to make sure you have the right strategy for your situation. At Smithfin, we empower you by providing.. More

Choosing Between Term and Whole Life Insurance

Choosing between term and whole life insurance Term life is sufficient for most families who need life insurance, but whole life and other forms of permanent coverage can be useful in certain situations. Choose term life if: Choose whole life if: You need life insurance only to replace your income over a certain period, such as.. More

Compare Life Insurance Quotes With Smithfin

Compare Life Insurance Quotes With Smithfin Life insurance can be complicated. Whether you’re trying to create peace of mind for the future of your family or preparing for retirement, you need to compare life insurance quotes and plans to make sure you have the right strategy for your situation. At Smithfin, we empower you by.. More

What is Final Expense Insurance?

What is Final Expense Insurance? Final expense insurance is an insurance policy used to pay for burial expenses and funeral services when the named insured dies. Such a policy helps ease the financial burden placed on a family when a loved one dies. More About Final Expense Coverage Final Expense insurance is a basic issue.. More

Common Riders attached to Life Insurance

What is a Rider? An insurance rider is an add-on provision to a basic insurance policy that provides additional benefits to the policyholder at an additional cost. Standard policies usually leave little room for modification or customization beyond choosing deductibles and coverage amounts. Here are some of the most Common Riders in Life Insurance: Accelerated.. More

Whole Life policies Guaranteeing Growth

Whole life insurance policies feature a “cash value” savings account. A portion of your premium is invested in the account, which typically grows slowly on a tax-deferred basis. You can borrow against the cash value, use it to buy more coverage or surrender the policy for the cash. (The death benefit is reduced if you.. More

Indexed Universal Life

Why are so many people talking about IUL ( Indexed Universal Life)? IUL is popular because it achieves two separate goals: death benefit protection, and the potential for a unique type of cash value accumulation. It is a balance of financial security snf the opportunity for growth. Instead of set percentage of interest accumulation, IUL.. More