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Life Insurance Basics
Term Life Insurance is simple basic life insurance.
Essentially, in return for your premium the life
insurance company promises to pay a fixed sum to
your designated beneficiary should you die within the
term of the policy. The "term" is the period of the
insurance contract, or policy. At the end of the term
the policy expires. Often, term policies will carry
a "conversion" option. This rider or option allows the
consumer to convert the term policy to permanent,
or cash value, insurance within a specified period of
time. This can be a valuable provision should you
become uninsurable during the conversion period.
Numerous other riders and features are available from
the many providers of basic Term Life
Insurance.
I can help you determine what kind of Life Insurance
fits your needs. Usually, no more than 15
to 20 minutes is required to make this
determination.
call me at 214-227-8735 to schedule a meeting or
web presentation.
And, be sure to check out my "top ten" life insurance
blunders. I'm no David Letterman. But, I think you
will find the information helpful.
Vern Bell Agency Web Site
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The primary purpose of Life Insurance is to provide
for those you leave behind when you die.
Determining the right amount of Life Insurance
purchased for this purpose consists of determining
how much capital will be needed to fund the future
needs of your dependents. The least expensive form
of insurance, and often the most appropriate for this
purpose, is basic "Term" Life Insurance. In addition
to Term Life, Cash Value Life Insurance products
have been developed to permit the consumer to
secure "permanent" insurance and accumulate
savings for variety of purposes on a tax deferred
basis. These include: Whole Life, Universal Life and
Variable Universal Life products.
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| What is Long Term Care Insurance? |
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We Americans are living longer than ever before.
This fact brings with it financial challenges previous
generations have never known. New insurance and
financial products are coming to market every day to
meet the needs of aging America. Long Term Care
Insurance is a special class of insurance product
that has been developed to provide for aging and
disabled persons who cannot perform several basic
activities of daily living. While Long Term Care
Insurance is usually thought of as a product for
seniors, anyone can find himself or herself in need of
such protection at any time because of illness or
injury.
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| Who needs Long Term Care Insurance? |
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Long Term Care Insurance makes sense for those
with a net worth of greater than $100,000 and less
than $2,000,000. People with net worth less than
$100,000 will soon exhaust their resources and
qualify for Medicaid, those with greater than
$2,000,000 net worth can afford to self-insure. With
over 100 Long Term Care Insurance products on the
market it's important to seek guidance from someone
who has studied these products and is qualified to
make recommendations.
I have developed a presentation designed to help you
determine if you need Long Term Care Insurance;
and, if so, how to go about identifying the right
product. I can present this information to you in as
little as 20 minutes right in your own office or home.
Just email or call me at (214)227-8735 to schedule
an appointment or phone consultation.
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Contact us.. |
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| Top Ten Life Insurance Blunders |
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If you're considering buying, increasing or replacing
your life insurance there are many pitfalls to
consider. I've composed a list of the Top Ten
blunders I see clients make over and over. Click on
the web link to see all ten. Then call or email for a
free no-obligation quote.
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Link to Top Ten Blunders.. |
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| New Contact Info |
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Please note that my contact information recently
changed. My new address and phone number are on
my web site. The email address remains the same.
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Link to new contact info... |
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