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Salzberg Insurance Agency Blog: life insurance

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If you are under age 35, you probably still think that you are young and healthy. Indeed, you are. However, no one can stop aging. As you age, your risk of death will, obviously, increase. That means that your life insurance risks will increase as well. As a result, aging might make it harder for you to get optimal coverage. READ MORE >>

Having a family means you want to take care of them. So, what happens if you die suddenly, leaving a hole in your wake? You might want to provide your spouse, children or others with life insurance as support. Still, how do you make sure the money benefits the person or purpose whom you want to help? READ MORE >>

The investment in life insurance is generally one focused on the death benefit, the amount of money paid to the beneficiary of the policy should the policy holder die while it is in place. Yet many life insurance plans offer a cash value. READ MORE >>

To understand your life insurance rates, it helps to understand the underwriting process. This involves a qualified insurance professional assessing the risk of an applicant. In terms of life insurance, the risk you pose to an insurance provider has to do with when you’re estimated to die. READ MORE >>

Have you ever heard the phrase “dying is expensive?” You may never give it a second thought until you lose someone and suddenly you’re expected to scrounge up thousands of dollars to lay him or her to rest. READ MORE >>

There are certain instances in which a life insurance policy’s death benefit can be subject to estate taxes. One way to ensure that your policy will be exempt from federal and state taxes is to have the policy in an irrevocable life insurance trust also called an ILIT. What is an ILIT? READ MORE >>

Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations: Replace income for dependents If people depend on your income, life insurance can replace that income for them if you die. READ MORE >>

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