Resort Town Blog .Com » Term life insurance http://resorttownblog.com Aspen Real Estate and Roaring Fork Family Fun Fri, 18 May 2012 21:51:19 +0000 en hourly 1 http://wordpress.org/?v=3.3.2 Life Insurance Premiums http://resorttownblog.com/life-insurance-premiums/20 http://resorttownblog.com/life-insurance-premiums/20#comments Thu, 20 Oct 2011 22:27:22 +0000 dkitchell http://resorttownblog.com/?p=820 If you need information about Life Insurance Premiums go to TermRateQuote.com and take a look there is plenty of great information about premiums and life insurance in general.

Generally speaking the older you are and the worse heath you are in the higher your premiums will be.  If you smoke your premiums will be anywhere from double to triple than for non smokers.

Again for more information about life insurance premiums click the link.

 

]]> http://resorttownblog.com/life-insurance-premiums/20/feed 0 Large drop in stocks between now and August 13th. http://resorttownblog.com/large-drop-in-stocks-between-now-and-august-13th/22 http://resorttownblog.com/large-drop-in-stocks-between-now-and-august-13th/22#comments Tue, 22 Jun 2010 03:21:31 +0000 dkitchell http://resorttownblog.com/?p=526 If you are in in the market be careful between now and August 13th.
I sense the potential for a precipitous drop in stocks during mid summer of 2010.

Also the Estate Tax will not be reformed, I guarantee it.
Might want to look into Fixed or Indexed Annutities.

Also my prediction is that Interest Rates will be over 10% in 2012.  You heard it here first.

If you need Term Life Insurance check the link

]]> http://resorttownblog.com/large-drop-in-stocks-between-now-and-august-13th/22/feed 3 Ben Feldman Power Phrase http://resorttownblog.com/ben-feldman-power-phrase/17 http://resorttownblog.com/ben-feldman-power-phrase/17#comments Thu, 17 Jun 2010 02:07:45 +0000 dkitchell http://resorttownblog.com/?p=516 “Doing something costs something. Doing nothing costs something. And, quite often, doing nothing costs a lot more!”

I love that phrase.

Go here if you are looking for Term Life Insurance

]]> http://resorttownblog.com/ben-feldman-power-phrase/17/feed 0 Life Insurance in Aspen Colorado http://resorttownblog.com/life-insurance-in-aspen-colorado-2/18 http://resorttownblog.com/life-insurance-in-aspen-colorado-2/18#comments Thu, 18 Feb 2010 19:28:43 +0000 dkitchell http://resorttownblog.com/?p=380 For the best rates, best carriers and best customer service call Drew Kitchell with Devlin Financial Services at 970-379-7777 or by Email.  Specializing in advanced planning, Key Man, Split Dollar, 412 I,  and other life and insured products in the Aspen Colorado area.

If you need Term Life Insurance in Colorado or just need a quote check out the link.

Keep in mind that health underwriting will apply.

]]> http://resorttownblog.com/life-insurance-in-aspen-colorado-2/18/feed 101 What if I don't pay my life insurance premium http://resorttownblog.com/what-if-i-dont-pay-my-life-insurance-premium/03 http://resorttownblog.com/what-if-i-dont-pay-my-life-insurance-premium/03#comments Tue, 02 Jun 2009 22:24:10 +0000 dkitchell http://quicktermlifeonline.com/?p=116 If you are unable to pay your life insurance premiums you have a couple of options.  A lot of your options depend on which type of insurance policy you have.  If you have a term life policy your options may be limited to asking the company for an extended grace period.

However if you have a whole life policy you may have enough cash in the policy to cover the premium amount for several years using what many companies call an “automatic premium loan”.

When this happens the premium is deducted from the cash value and you will pay make up premiums later in the policy and or pay back a policy loan.  If you wish to never pay premiums again you can call the company and do what is called surreneder the policy for paid up. 

If you wish to do this you should consult a (live) agent as you should determine if the cash value in the policy will fund replacement insurance that would have approximatley the same coverage as the current coverage, but without the premiums.

If this is your situation call us at 970-925-9600 and we can help you out.

If you need to apply for term go to http:termratequote.com

Mom and Dad, you need life insurance!

Mom and Dad, you need life insurance!

 they have great rates and fast underwriting.

]]> http://resorttownblog.com/what-if-i-dont-pay-my-life-insurance-premium/03/feed 67 The truth about life insurance http://resorttownblog.com/the-truth-about-life-insurance-2/02 http://resorttownblog.com/the-truth-about-life-insurance-2/02#comments Mon, 01 Jun 2009 22:51:06 +0000 dkitchell http://quicktermlifeonline.com/?p=112

Myth: Cash value life insurance is a great investment for the masses.

Truth: Cash value life insurance has a very poor rate of return historically and an investor would most likely be better served in mutual funds or other investments.

Don’t let a life insurance agent try to tell you otherwise.  Cash Value Life Insurance policies for the most part have returns that can be beaten by mutual funds.  Again, for the average investor, cash value life insurance should be looked at more like a savings plan than an investment.

 

 So to summarize… 

 

If you are not in a high tax bracket or subject to the estate tax – buy term and invest the difference.  The mantra of financial advisors like Suze Orman and David Bach who preach to the average investor is “Buy Term and invest the difference”.  Term is the right tool for this job.  The suggested death benefit for most is 10-15 times income depending on age for working individuals, and 5 -10 times income for a non working spouse.

If you need term life head on over to

 

http://www.quicklifecenter.com/termratequote/   they have great rates and very quick underwriting with accurate quotes.

 

]]> http://resorttownblog.com/the-truth-about-life-insurance-2/02/feed 46 How much life insurance do I need ? http://resorttownblog.com/how-much-life-insurance-do-i-need/02 http://resorttownblog.com/how-much-life-insurance-do-i-need/02#comments Mon, 01 Jun 2009 22:19:27 +0000 dkitchell http://quicktermlifeonline.com/how-much-life-insurance-do-i-need/uncategorized/ Mom and Dad, you need life insurance!

Mom and Dad, you need life insurance!

Depending on your situation a simple rule of thumb is between 8 and 15 times your income.

You must take into consideration your debt load, income,  and how many dependents you have and if you wish for them to go to college. If you have 3 kids with ivy league intentions, you are going to need substantially more coverage than an individual with 1 child who wishes to go to a state school.

If you are carrying a large mortgage, other debtload or are employing substantial leverage a good rule of thumb is cover the debtload plus your other considerations.

So the individual with a $ 500,000 mortgage, $ 100,000 in other debts and three children with college aspirations needs approximatley $ 1,500,000 in term life coverage.  Which can be obtained inexpensively (especially given the stakes)

There is a great life insurance calculator at

http://www.quicklifecenter.com/termratequote

you can apply online for term life insurance as well there.

]]> http://resorttownblog.com/how-much-life-insurance-do-i-need/02/feed 99 Term life insurance quotes http://resorttownblog.com/term-life-insurance-quotes/30 http://resorttownblog.com/term-life-insurance-quotes/30#comments Fri, 29 May 2009 20:11:40 +0000 dkitchell http://quicktermlifeonline.com/?p=93

Term life insurance quotes can be tricky.  Be careful with initial online application.

Many times an online quoting engine will miss crucial factors.  You may be in spectacular health and check the super preffered box on a basic online application.   In reality what many times happens is there is some little thing that drops an individual to a lower rate band.

 

For instance you weigh 182 pounds and you are 5’8.  Well the super preffered rating only goes to 180 pounds so you are misquoted by a sizable margin in terms of your online term life rate quote.

 

The underwriting engine at http://TermRateQuote.com is different.  It has the 6 or 8 questions that in their experience cause problems with term life quotes.   Go there and get an accurate quote.  They have great rates and are super efficient.  We highly recommend them.

]]> http://resorttownblog.com/term-life-insurance-quotes/30/feed 16 What is term life insurance http://resorttownblog.com/what-is-term-life-insurance/30 http://resorttownblog.com/what-is-term-life-insurance/30#comments Fri, 29 May 2009 20:08:16 +0000 dkitchell http://quicktermlifeonline.com/?p=88

Term Life insurance is life insurance that covers you for a specified term. 

Meaning that you buy term insurance and it covers you for 10, 20 or 30 years for the amount you apply for.

Given that you are unlikley to die during this term, it is very cheap especially if you are in good health.  Term will not cover anyone over 70 so if you need insurance and you are over 70 you need whole life insurance.

The online application at http://termratequote.com has very accurate rate quotes as it contains a set of 6 questions that are the questions that usually cause innacurate rate quotes.  They are fast, accurate and efficient, I highly recommend them for all your term life needs. 

You can also reach them by clicking here.

]]> http://resorttownblog.com/what-is-term-life-insurance/30/feed 15 The difference between term and whole life insurance http://resorttownblog.com/the-difference-between-term-and-whole-life-insurance-2/27 http://resorttownblog.com/the-difference-between-term-and-whole-life-insurance-2/27#comments Wed, 27 May 2009 00:43:19 +0000 dkitchell http://quicktermlifeonline.com/?p=3 The Difference Between Term and Whole Life Insurance.
The difference between term and whole life insurance is one of time.
Term Life Insurance is what we call “IF” life insurance, Whole Life Insurance is what we call “When” Life Insurance. Meaning that Whole Life pays into your 80’s or beyond when you would pass away as opposed to term life insurance which pays if you die prior to your statistical mortality when you are younger.
So the difference between term and whole life is that term will pay in the unlikely event that “if” you die within the 20 or 30 year term of coverage you take out assuming that you took the term out in your 20’s 30’s or 40’s.
Whole life will pay “when” you are more likely to die in your 70’s or 80’s
This is why there is a big difference in cost between term and whole life insurance, whole life will statistically pay and it is unlikely that the term life insurance will ever pay.

 

Apply for term life insurance here we recommend quick life, they have great rates, fast turn around and very accurate quotes, or just head on over to http://quicklifecenter.com/termratequote/

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