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Articles from Donald Lusan | Selfgrowth.com
- Cheap Life Insurance Quote - Getting The Most For Your Money - by Submitted on Dec 02, 2011 from Donald LusanYou want a cheap life insurance quote. You have come to the conclusion that you need to buy some life insurance coverage to protect your family from your premature death, you want a cheap policy from a top rated carrier. What exactly is the best way to go about this you ask. I will spend a ...
Views: 853 - Permanent Life Insurance If Your Problem Is Permanent - by Submitted on Nov 04, 2010 from Donald LusanYou should buy permanent life insurance if you have a permanent problem. Many people try to solve permanent needs with temporary life insurance. Term life insurance provides coverage for a limited period of time, thus it is temporary insurance. Whole life and some modified whole life policies ...
Views: 938 - Term Life Insurance Advantages And Disadvantages - by Submitted on Aug 02, 2010 from Donald LusanTerm life insurance is oh so loved my many people. There are many different types of term insurance and very many reasons why people buy these policies. There are significant advantages to owning this type of life insurance. There are also a few disadvantages. Advantages 1 - The premiums ...
Views: 5402(1 vote) - Review Life Insurance Needs - Keep Insurance Portfolio Up To Date - by Submitted on Feb 26, 2010 from Donald LusanIt is just simple common sense to review life insurance needs each year. The amount of coverage you now own may be too little or, in some rare cases, too much. Life insurance is intended to protect the income of the breadwinner. It is designed to replace this income in the event of the premature ...
Views: 1069 - Life Insurance No Medical, No Physical Or Doctors Exam - by Submitted on Jan 26, 2010 from Donald LusanIt is really no mystery why life insurance no medical has become so desired by term insurance buyers. They simply seek the easiest way to buy their policies. There is the occasional desperate person who tries to get over on the life insurance company but these individuals are wasting their ...
Views: 1147 - 20 Year Term Life Insurance Explained - Find Out If 20 Year Term Fits Your Need - by Submitted on Nov 25, 2009 from Donald LusanThe 20 year term life insurance policy can be effectively used in oh so many situations. We will look at some of them but first let us define what this policy is all about. 20 year term insurance has a level death benefit for the entire 20 year period. This death benefit can be paid in one lump ...
Views: 1493(2 votes) - Universal Life Insurance Explained - by Submitted on Nov 18, 2009 from Donald LusanConsider universal life insurance. One of the more popular permanent policies is the universal life policy. What is this universal life all about anyway? This policy is permanent insurance which allows for flexibility in premium payments as well as in death benefit amounts. Think of this policy ...
Views: 2530(2 votes) - Term Life, Whole Life and Universal Life, Graded Premium Life And Variable life insurance - by Submitted on Nov 01, 2009 from Donald LusanTerm life, whole life and universal life insurance are the the types of policies you are most likely to encounter when you set out to get quotes or, in general, examine life insurance policies. There are, however other types that not many people know much about. This may be because the companies ...
Views: 1209(1 vote) - Buying Life Insurance For Family Protection Or Business Protection - by Submitted on Oct 19, 2009 from Donald LusanBuying life insurance is so very important. It is an integral fundamental in any sound financial plan. The type and amount of coverage you select will depend on why you need to buy your policy. Who Needs Life Insurance? It seems to me that everyone needs some type of policy at some time ...
Views: 840 - Life Insurance Types Explained - See Which Policy Fits Your Needs - by Submitted on Sep 05, 2009 from Donald LusanDeciding which life insurance types to look at depends on each individuals specific need. All life insurance does not fit everyone's situation. Let us examine why a single person would buy life insurance. What about a single parent, what kind of policy would fit this person? Sometimes we tend to ...
Views: 1006 - Term Life Insurance - Term Life Quotes, Rates, Companies, Policies, Definition, Comparisons - by Submitted on Aug 30, 2009 from Donald LusanTerm life insurance is favored by a large portion of our population. Let us take a close look at this policy and see why. It may be wise to begin by attempting to define this type of policy. Let us see what it is all about. Definition Term life insurance is a type of policy that pays a ...
Views: 944(1 vote) - A Life Insurance Policy - What Is A Life Insurance Policy Really? - by Submitted on Aug 19, 2009 from Donald LusanWhat in fact is a life insurance policy? What is all the hoopla really about? One writer put it this way. "A life insurance policy is just a drop of ink on a piece of paper." There is nothing very significant about that. The important thing to focus on is what this kind of policy does. What does ...
Views: 949(1 vote) - Term Insurance - Are You Certain You Want Term Life Insurance? - by Submitted on Jun 28, 2009 from Donald LusanDo you really need term insurance? There are other options, so, is term life insurance for you? Some people are convinced there are no other choices. Ever consider why this type of life insurance is so favored? Let us take a look at some of the most popular term policies and see whether or not ...
Views: 831 - Types Of Life Insurance - Rethink Type Of Policy To Buy - by Submitted on Oct 04, 2008 from Donald LusanThis may be a good time to rethink the types of life insurance policies you should buy. Until the market settles down many people don't want to be spending a lot of money. Everyone is looking for a safe place to put their money. We see some stocks, like Wachovia, slide then rise again. Others ...
Views: 915 - Life Insurance Settlement - How Beneficiaries Get Paid - by Submitted on Oct 01, 2008 from Donald LusanLife Insurance Settlement. Over the years I have paid many a claim upon the death of my clients. Everything always goes smoothly for me in these cases. The carrier usually wants proof of death and they also want to be assured that the beneficiary is who s/he claims to be. When a beneficiary ...
Views: 1302 - Term Life Insurance - Term Policies May Be Ideal For These Times - by Submitted on Sep 26, 2008 from Donald LusanSince term life insurance cost so little it could be the perfect policy for today. I believe that everyone needs some life insurance at some time during their lifetime. The reason I feel so strongly is that I have seen families who had a breadwinner die without adequate coverage. I have known ...
Views: 842 - Whole Life Insurance - Did You Know? - by Submitted on Aug 25, 2008 from Donald LusanDid you know that whole life insurance or some variation thereof is bought more than another types in the United States? Why do you think this is so? Is it because the people know nothing about term insurance? Not so! Term insurance is simple to understand. You own $1,000,000 of term life ...
Views: 864 - Term Insurance - What It Can Do For You - by Submitted on Jul 23, 2008 from Donald LusanWhat is term insurance? This is one of the questions I get from time to time. People want to know how it works. What are the advantages to owning a term policy? What are the disadvantages? Term insurance is simply a policy designed to take care of a specific need, or a number of needs, for a ...
Views: 851 - Life Insurance Proceeds - Managing Your Windfall - by Submitted on May 03, 2008 from Donald LusanYour spouse dies and you are aware that s/he had a sizable life insurance policy. You welcome your new acquired wealth but you are not certain how to handle it. For someone accustomed to handling large sums of money there is no problem but for the average person there is a disturbing uncertainty ...
Views: 1117 - No Exam Life Insurance - Are We Paying Attention? - by Submitted on Mar 15, 2008 from Donald LusanIs no exam life insurance a new thing? If you read some of the writings on the subject you would think it is. The fact is that the idea is not new at all. Life insurance companies have been issuing policies on a non medical basis for a very long time. The reason is that they can hold down costs ...
Views: 850 - No Medical Exam Life Insurance - What Is Going On Here? - by Submitted on Feb 12, 2008 from Donald LusanNo Medical Exam Life Insurance. What is going on here? Is this new? The way people act one would think that this is an entirely new idea. The fact is that the "no medical exam" idea is not new at all. It has been around for years. In recent years, however, some life insurance companies seem to ...
Views: 1258 - Whole Life Insurance Options - by Submitted on Jan 28, 2008 from Donald LusanWhole life insurance is the plan of choice for many people. There are many variations to this plan. It may be a good thing to look at some of them. We will begin by examining the basic whole life policy. Whole Life Insurance What is a whole life policy all about? If you want a policy that you ...
Views: 923 - The Effect Of Life Insurance -The Death Of A Breadwinner - by Submitted on Jan 28, 2008 from Donald LusanThe effect of life insurance after the death of a breadwinner can be interesting to observe. I guess it would be best to first look at the situation without life insurance. A hypothetical example may also help. Jim is age 42, married and has 2 children ages 14 and 16. Jim started a little late ...
Views: 1136 - Term Life Insurance No Physical - Really - by Submitted on Dec 07, 2007 from Donald LusanCan you really get "term life insurance no physical" exam? Yes you can. The interesting thing is that most life insurance companies are jumping on the bandwagon. No physical life insurance has always been available to younger people. The older you get the smaller the amount available. What has ...
Views: 1643 - Buy Life Insurance - Increase Spendable Income - by Submitted on Oct 22, 2007 from Donald LusanHave you ever considered that when you buy life insurance you increase your spendable income? We all have responsibilities that we pay special attention to. We have to save for retirement. We must create an emergency fund, just in case. Surely we take care of our bills thereby maintaining a ...
Views: 1053 - Life Insurance Quandary - by Submitted on Sep 25, 2007 from Donald LusanWe all know that at some point in our lives the prudent thing to do is to buy some life insurance. Some people have definite ideas as to the type and amount necessary to fulfill their needs. Others find themselves in a decision making dilemma. These people don't know how much to buy or what ...
Views: 994 - Whole Life And Term - A Good Combination? - by Submitted on Sep 08, 2007 from Donald LusanCombining whole life and term insurance! Have you ever given that some thought? The life insurance company can create a combination policy for you if that is your desire. This idea works out pretty well for some people. Why would you combine whole life and term life insurance anyway? If you use ...
Views: 3113 - Mortgage Protection Insurance - Give It Some Thought - by Submitted on Aug 15, 2007 from Donald LusanConsider mortgage protection insurance. Have you ever given it any thought? Do you think it would be useful? Do you know how it works? Are you aware of the many options you have as far as the types of mortgage protection policies available? Perhaps the largest investment you will make in your ...
Views: 1102 - Whole Life Insurance - Things You Need To Know - by Submitted on Jul 30, 2007 from Donald LusanIt is unfortunate that when you get a whole life insurance quote online much of the important details are omitted. The average person knows little or nothing about this policy. If people had more information they could make a more informed decision on what they are about to purchase. I am one of ...
Views: 2009(1 vote) - Guaranteed Term Life Insurance Policies - Are The Provisions Really Guaranteed? - by Submitted on Jul 13, 2007 from Donald LusanGuaranteed term life insurance. One of the more loosely used terms when selling most any product is the word "guaranteed". Sometimes there is a measure of validity to it, sometimes not. Fortunately for the life insurance buyer the phrase "guaranteed term life insurance" is for real. When a life ...
Views: 818 - Life Insurance - Income In Lieu Of A Lump Sum - by Submitted on Jun 19, 2007 from Donald LusanWhen we think of life insurance we tend to focus on lump sum cash payments upon the death of the insured. Are you aware that there are alternatives? Did you know that the proceeds of your policy can be distributed in income form instead of a lump sum? Would you prefer to have payments to your ...
Views: 2583 - Why People Buy Life Insurance - by Submitted on May 31, 2007 from Donald LusanHave you ever considered why people buy life insurance? I know the salesmen and the creators of the policies themselves have thought about it because if they didn't these policies simply wouldn't sell. Probably the greatest life insurance salesman ever once said that "selling is 98% ...
Views: 7379(1 vote) - A Life Insurance Policy - A Simple Yet Powerful Document - by Submitted on May 08, 2007 from Donald LusanHave you ever considered that a life insurance policy is a simple document complicated by a lot of legal jargon? Yes, the legal jargon is designed to protect the policy owner and his or her heirs but it is also designed to protect the life insurance company. That being said, a life insurance ...
Views: 904 - Life Insurance Quote - Term And Whole Life - by Submitted on Apr 20, 2007 from Donald LusanBuyers tend to request a life insurance quote or several quotes on varying types of policies when they are in the market for life insurance. Some know exactly what type of policy they want but most want to compare quotes. How do you shop for life insurance? Do you call in a life insurance agent ...
Views: 1260 - Term Life Insurance Explanation - by Submitted on Jan 22, 2007 from Donald LusanBrief term life insurance explanation. Life insurance companies offer two basic types of policies...term life insurance and permanent life insurance. By far the simplest in structure are the term life policies. They are also favored by most people today because of cost. They are less expensive ...
Views: 2497 - Do You Really Need Life Insurance? - by Submitted on Oct 14, 2005 from Donald LusanLife insurance is one of those taboo subjects for normal, casual or friendly conversation. Whenever people, however, develop a life threatening illness, have a close encounter with another vehicle on the highway, or otherwise find themselves in a situation where they are likely to be rated or ...
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