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Salzberg Insurance Agency Blog: life

View the latest blog posts from Salzberg Insurance Agency.

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 >>

Regardless of how much income you earn, you probably have other people who depend on you financially. You wouldn’t want to have your kids, aging parents or other groups of people who you have taken responsibility for to suddenly lose their support. READ MORE >>

Friday, April 13, 2012 By Tim Grant, Pittsburgh Post-Gazette Chances are you won't be sued for an automobile crash or an accident at your home that costs more than your liability insurance policy is willing to pay. But there is a type of insurance that can guarantee you won't be wiped out financially if that should happen. 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 >>

In some health insurance policies, there is a certain amount of risk that the policyholder self-insures. This risk is referred to in the policy as the deductible and the out-of-pocket maximum. While these two categories of self-insurance seem to be talking about the same thing, they are actually quite different. 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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