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Currently Browsing : Life Insurance

Burial Insurance 0

Posted on 30, September 2013

in Category Life Insurance

Burial insurance is also known as final expense insurance. Its main purpose is to pay your funeral expenses so your loved ones are not left with the pain of your loss and the financial burden. It is critical to speak with an experienced agent to get the most competitive carrier since not all life insurance carriers specialize in this market. The three main questions I receive are; “How much burial insurance do I need?”, “What does burial insurance cover?” and “As a senior citizen with health issues am I able to obtain burial insurance? Obtain a Free Quote and call [&hellip

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Dallas Life Insurance 972-346-4666 0

Posted on 28, September 2013

in Category Life Insurance

Melliand Insurance is a dedicated Dallas life insurance company to help families with their financial needs in the event of the death of a loved one. Whether it is permanent Dallas life insurance or term Dallas life insurance, our goal is to make sure your family remains financially secure. We do this by first determining where you are in the life cycle, completing a needs analysis, than recommending a Dallas life insurance policy. The questions I receive from my customers are; “what are the best Dallas life insurance policies and how much life insurance do I need”? All life insurance [&hellip

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Dallas life insurance for diabetes 0

Posted on 3, September 2013

in Category Life Insurance

Not all carriers are the same when choosing the correct life insurance policy for diabetes. Knowing your client, their goals, the rating factors used by underwriters for diabetes, and the specific carriers, helps an independent agent select the right plan. This helps to maximize the death benefit on the life insurance policy as well as provide a competitive premium. The rating factors used by underwriters include the following; whether the insured is a type 1 or type 2 diabetic, height and weight, age, if they smoke, AC1 levels, and the duration of the diabetes. Type 1 diabetes is also known [&hellip

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Funding a childs tuition with a permanent life policy 0

Posted on 8, August 2013

in Category Life Insurance

Why is a permanent life policy a viable option to fund a childs education?  The main reason is that their are no other options that give flexibility, potential for high returns, low downside risk, and can maximize the available necessary funds needed for a child to attend school in 18 years.  We can see how the cost of post secondary education has skyrocked in the past 15 years.   A four year degree from the University of Akron cost $16,000 in 1992.  Today it is over $1,000 for just 3 credit hours at the same school.  Our parents mostly used term life insurance to [&hellip

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Buy Sell Life Policy 0

Posted on 4, June 2013

in Category Life Insurance

A business needs a buy sell life policy for the following reasons.  First, it protects the families income needs when the primary earner is incapacitated due to death or disability.  Second, it protects the partners ability to continue the business or if needed get new partners of their choosing. Third, it can reduce the deceased families estate tax burden. Other reasons to set up a buy sell life policy are for the following triggering events.  These include bankruptcy, retirement, firing, divorce, and voluntary departure.  To set up a buy sell life policy an attorney and a life policy agent are needed.  To learn more or get a quote contact Melliand Insurance [&hellip

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Life Policy / Term Life vs. Permanent Life 0

Posted on 13, May 2013

in Category Life Insurance

How About a Combination of Both Why a combination life policy for a young family?  First, none of us know when we are going to pass away. Our life insurance coverage needs change throughout life. Second, the market is much more volatile.  Everyone plans to have their home paid off and all debts by retirement at the age of 65. We think our investments in our 401K and Roth IRA will take care of us in our golden years. This is not a given anymore.  Our country has much more debt, the job market is scarce, and the Federal Reserve [&hellip

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