Is Accidental Death Insurance Worth The Cost!
Your average run of the mill accidental death policy, or for that matter an accidental death rider on a life insurance policy is, well, not a very good value. The reason those policies are dirt cheap is that the mortality risk for accidental death as opposed to other causes of death is very low. When ...read more
Planning For Your Successes With Life Insurance!
Remember the “dress for success” thing that started back in the 70′s? I think it was probably a reaction to the way most people my age decided to dress in the 60′s. It never really worked for me. Every time I dressed for success, even if I got the job I didn’t like it. I ...read more
Is Your Dangerous Hobby Covered By Life Insurance?
Let’s start with the good news. If you have life insurance in force and you took up your hazardous activity after putting that life insurance policy in force, and didn’t apply for the insurance because you were anticipating taking up the dangerous hobby, well, you’re covered. A scare tactic sales technique that less than scrupulous ...read more
Recreational Skydiver Life Insurance Home Run!
It’s never been a pretty picture applying for life insurance and wanting your favorite dangerous hobby to be completely covered. The problem for most of us going in is that we jump on the fun bandwagon without consulting our local life insurance underwriter. Skydiving is one of those life time sports that most people take ...read more
Wouldn’t You Like A Little More Life Insurance For The Next Five Minutes?
Well, if it’s for the next five minutes you are out of luck, but if it’s for 5 minutes next week you can have your wish. And really I’m not talking about life insurance but rather accidental death insurance. Specifically this comes up when you get a chance to do something that to you, or ...read more
If They Don’t Ask, They Don’t Expect You To Tell!
There has always been a stigma attached to life insurance and life insurance companies that they really will do all they can to get out of paying a life insurance claim. People really want, on some level, to believe life insurance companies really don’t pay out millions and billions in death benefits. Probably the biggest ...read more
Skydivers And Life Insurance? No problem!
While there are plenty of life insurance companies and agents out there that stick their fingers in their ears when a client starts talking about their weekend hobby. The truth is there is an affordable and prudent way to approach the subject of life insurance for those that enjoy the thrill of jumping out of ...read more
That Is Simply Not True!
I had a customer call today with a question about whether his in force policy would cover him in case his birthday present, a chance to sky dive, didn’t work out so well. His policy has been in force with for 6 years and at the time he took it out he didn’t have any ...read more
Fun After Life Insurance? Sure!
I finally got my wife to look the other way while I jumped out of an airplane for my 54th birthday. She’s always so nice about asking me what I want for my birthday, and for the past 5 years I hadgreat present. She steadfastly refused, not wanting to be a party to my smashing ...read more
