All about Life Insurance
All about Life Insurance
Comrade Financial Group can offer you quotes in all 50 States for Term Life Insurance. All you have to do is go to the Term Life Quote section and fill in your information and it is that simple. You can obtain the quote for 10,15,20,30 or even longer. Term Insurance is the purest form of Insurance. You, the insured will pay a premium and the Insurance company will provide a death benefit. The older you get, the more expensive it is. So if you are in your 20’s or 30’s, that is the best time to get a 20 or 30 yr term policy. If you are single, then list your parents as beneficiaries. When you get married and have children, then you can change it with a simple form. There are many types of Life Insurance but Term is the cheapest and purest form of Insurance. Many will tell you that it meant a world of difference because a deceased person took the time and effort to get adequate Term coverage. Think about the people that will miss you when you are gone and those are the ones that will share the burden and cost that Life Insurance is there to absorb. Take the time and get a free quote. Thank You
Jack Fleming Insurance Broker
Individual vs. Group Health Plans
Individual vs. Group Health Plans
There are first some basic fundamentals about insurance.
The first one is that Insurance is by definition the method
of reduction of risk by spreading the risk to many people.
There is a law of large numbers that is applicable for any
Insurance to work. The Insurance companies use mortality
tables and actuaries keep detailed data on Health trends as
well as Life expectancy. So therefore If you are one person
looking for specific type of Insurance, then you might have
a very high premium. However if you are just like or very
similar to a large group of people seeking Insurance for
a common thing like Life Insurance, then your premiums
will be lower. Health Insurance is based mostly on Family
history and risks that are known, either by you answering
a question on the application, or from past Dr. visits and
past medical history. So if 7 people from your family have
all passed away from Heart Disease, then expect your
premiums to be higher. The most important thing with
any Insurance policy is to have a great agent. You can find
one at Comrade Financial Group. Then once you get a
policy, read, read, read and then ask plenty of questions.
Just remember that no question is a stupid questions. It’s
your Life, It’s your Health so step up and educate yourself.
Thanks again for supporting my agency and my blog and I
will be happy to answer any questions that come my way.
Jack Fleming Ins. Broker
