When we get in touch with you and begin to help you find the best possible life insurance at the lowest price, we soon ask for your payment info, social security number, etc. Don’t be alarmed by this. While it’s always good to be cautious when people and organizations ask for your payment info, we need it for a few simple and safe reasons. And in all our years of business, we’ve never had someone’s personal information compromised or misused. Brian explains below.

We’ve added yet another episode to our “Insurance Insights” series, which features helpful tips on understanding life insurance, and also how to get the most bang for your buck! Our latest video, which was  featured here on Quicken Loans, speaks about the difference between a brokerage like us, and captive agents, which you may be more familiar with (but don’t get too comfortable!). We’ll show you which way we feel is best for you, your needs, and your budget.

Most people do not love buying life insurance. Have you ever heard someone say, “Guess what? I’m so excited – this weekend, my wife and I are going to BUY LIFE INSURANCE. Woooo!”

The #1 reason why buying life insurance is not a popular pastime? It’s complicated. It’s difficult. It’s hard to get “plain English” explanations for what it’s all about. It’s hard to know if you’re getting a good deal and it’s hard to understand the different options and benefits and price points from all the various life insurance companies.

Read the full post on Life insurance is complicated! Who can help me?.

Perhaps you haven’t heard, but MyInsuranceExpert.com is one of the top ten life insurance brokerages in the nation. We have award-winning client service, affiliation with great brands such as Quicken Loans, and fantastic expert advisors and proprietary technology to aid in our business. Brian explains our great brand experience in the video below.

People often think that you only need to buy life insurance if you have kids. After all, a rite of passage for many young married couples is to buy life insurance once they get ready to try getting pregnant for the first time. While it’s true that life insurance is an important way to provide for your children’s future in the event that you don’t live long enough to see it, buying life insurance is almost always a good financial move as part of a couple’s overall financial plan, whether or not that couple has children.

Read the full post on 3 reasons to buy life insurance before having kids.

If you are over the age of 50, you may not be aware that you may be able to sign up for a term life insurance policy. As time progresses, it’s normal to start thinking about the economic prospects of your loved ones. Term life insurance for senior citizens may help to deal with some of these issues.

Life insurance for seniors may help cover costs in the future that your retirement funds may not cover, such as:

Read the full post on Term Life Insurance for Senior Citizens.

• pay off a loan
• cover estate assessments
• have enough money to cover final expenses
• transfer a business

Here at MyInsuranceExpert.com we get a lot of questions from customers who are trying to decide how to choose the right life insurance policy for them. One of the questions we hear fairly often is: “Can a term life insurance policy be cashed in?”

The short answer is No. You may like the long answer better, but put simply, term life insurance does not have a cash value, and so it cannot be “cashed in.”

Read the full post on Can a term life insurance policy be cashed in?.

Lots of people want to know what to do with their life insurance in the event of a divorce. If you have a policy on your life, you might not want that money to go to your ex-spouse (for a variety of reasons). Here are a few considerations for buying life insurance after divorce (or changing your life insurance beneficiaries after divorce):

Read the full post on Life insurance after divorce – do’s and don’ts of naming beneficiaries.

It often makes sense for people to buy life insurance later in life. For example, many people get divorced and re-married in their 50s and 60s. Many people are forming blended families with stepchildren, and/or starting new families at age 40 or later. None of these situations are like the traditional example of a 25-year-old married couple buying life insurance before they have their first baby.

If you are part of a couple that is marrying later in life, or living together and sharing expenses without being married, then it might make sense for you to approach life insurance in a new way.
Here are a few examples of occasions where it makes sense to buy life insurance later in life:

Read the full post on 3 occasions to buy life insurance later in life.