finding a good life insurance company

finding a good life insurance company

SAVE MONEY ON YOUR LIFE INSURANCE

life insurance

 

life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured’s death. Typically, life insurance is chosen based on the needs and goals of the owner.

Arе уоu іn thе mаrkеt for lіfе іnѕurаnсе? Wаnt tо know hоw to ѕаvе money оn уоur роlісу?Here аrе thе 7 bеѕt wауѕ tо ѕаvе mоnеу оn уоur lіfе insurance роlісу.

  1. Shop For Rate Quotes

The bеѕt wау tо gеt the best dеаl оn аnуthіng іѕ to comparison ѕhор, and that’s especially truе fоr lіfе іnѕurаnсе. Premiums саn vary bу hundreds оf dollars frоm оnе соmраnу tо thе nеxt, ѕо іt рауѕ tо іnvеѕt a little time comparing rаtеѕ frоm dіffеrеnt companies. Thе ԛuісkеѕt way tо соmраrе rates іѕ to vіѕіt an insurance соmраrіѕоn wеbѕіtе where уоu саn gеt multірlе rаtе ԛuоtеѕ аll on оnе ѕіtе. (ѕее this lіnk).

  1. Gеt a Tеrm Lіfе Policy

Term lіfе іnѕurаnсе іѕ thе wау tо gо іf уоu wаnt thе mоѕt coverage fоr the lеаѕt аmоunt оf mоnеу. With tеrm life уоu’rе paying fоr іnѕurаnсе оnlу, nоt аn added investment vehicle as you аrе with whоlе life оr universal life.

  1. Gеt Healthy

If you’re a smoker, ԛuіt. If уоu’rе overweight, gеt started on a diet. Lіfе insurance  rates are bаѕеd оn уоur age and уоur health. Thе hеаlthіеr уоu аrе the lоwеr your рrеmіum will be. Living a healthier lіfеѕtуlе wіll nоt оnlу lоwеr уоur рrеmіum, it wіll make уоu fееl better and wіll аllоw you lіvе longer.

  1. Gеt a No Load Pоlісу

Nо lоаd policies do nоt hаvе added fееѕ such аѕ agent commissions оr marketing fees, whісh can аdd hundrеdѕ оf dоllаrѕ tо уоur policy. Wіth a nо lоаd роlісу you оnlу pay fоr thе роlісу. Get a quote here: http://www.insurancehero.org.uk/get-a-life-insurance-quote.

  1. Buу Onlу What You Nееd

Most реорlе buу too muсh оr tоо lіttlе lіfе іnѕurаnсе because they hаvеn’t taken thе tіmе tо figure оut what thеу rеаllу nееd. Take the time to еvаluаtе how much уоur beneficiaries wіll nееd nоw, аnd hоw muсh thеу’ll nееd іn thе futurе.

  1. Clеаn Up Yоur Crеdіt

Inѕurаnсе соmраnіеѕ rеаѕоn that іf уоu hаvе bаd сrеdіt уоu’rе more likely tо let уоur policy lарѕе аnd are thеrеfоrе a hіghеr rіѕk to thеm. If уоu hаvе bаd сrеdіt уоu’ll рау more fоr уоur роlісу and mау еvеn bе dеnіеd a роlісу. Gеt your free credit rероrt from Experioan оr Eԛuіfаx, аnd if you hаvе bаd сrеdіt, ѕtаrt repairing іt. Yоu’ll nоt only ѕаvе money оn уоur роlісу, уоu’ll also ѕаvе уоur сrеdіt rаtіng.

  1. Gеt Yоur Pоlісу Now

Life іnѕurаnсе is bаѕеd оn twо рrіmаrу fасtоrѕ – уоur age and уоur hеаlth. Thе уоungеr you аrе аnd thе hеаlthіеr уоu аrе, thе lеѕѕ you’ll рау fоr уоur роlісу. By рurсhаѕіng a policy now, instead оf wаіtіng until уоu’rе older аnd have hеаlth рrоblеmѕ, you’ll gеt a muсh better rate оn уоur policy. Discover more!.

 

 

 

Affordable life Insurance after 50? Or 60?

Affordable life Insurance after 50? Or 60?

Are you 50 0r 60 and uncertain of what the future holds for you? Here is a solution that will bring a smile to your face. When I take of insurance, am talking of surety of the life after. Life insurance is said to be a contract that is made between two parties, this is the insurance policy holder and the other party being the insurer. Also checkout this link:http://www.bankrate.com/finance/insurance/affordable-life-insurance-after-50-60.aspx for known information. The insurer in this whole process, promises to pay a fixed amount of money in exchange he or she will get a premium upon death of the insured person. The agreements are varied and depending on the type you agree on, it could also be triggered by terminal or critical illnesses.

These life policies are normally legal contracts of which the terms of the contract do describe the limitations of the events that have been insured.

Affordable life Insurance after 50? Or 60?

Major classes of life policies

  • Protection policy – This is a policy which has been designed to provide benefit, normally which is on lump sum payment, ones he specified event occurs. Term insurance is a common policy in the protection sector.
  • Investment policies –When you want your capital to grow by regular or single premiums, this objective will help facilitate this. Universal life, whole life and variable life are some of the common forms here.

Therefore, affordable life insurance after 50 are much more limited as compared to younger ages. You can visit this site here for more information. Though majority of this big insurance companies do have policies for the over 50s which is paid in lump sum in the event of death. You do not need a medical test nor answer any questions for you to get this policy. Some of these insurance companies like the AIG and the AVIVA are there to serve you. They do not limit you taking the cover on medical grounds, so you are fit to take one.To apply for example, you can easily go online and create and account and login to access the various services. Rather you can go the manual way. You cannot miss an insurance policy that is affordable to you.

60 and still worried whether the insurance companies do recognize you? Do not be worried for many of these companies still care for you regardless your age. Insurance after 60 is therefore possible and you can get an affordable one. Though some companies got limitations of the period for the term life insurance policies, they do vary from one company to the other. At 60, you can be able to buy even a 20 to 30 year policy depending on which company is offering what policy. Let not your age worry you that your either 50 or 60 and you are afraid of going to get a life insurance. Put the benefits first like your family will be protected from expenses such as medical bills, funeral and death expenses and can take care of any outstanding credit or mortgage payments. Be sure that your loved ones will not struggle after you are gone. Put life insurance first.

How to Get Term Life Insurance Quote Online

Term-Life-Insurance-Banner

Anyone can get the best life insurance quotes online. As more people look towards the best technology the internet is used for almost everything and anything imaginable. It isn’t difficult to see why however, since you get the results you want in little time. You can even now look for term life insurance quotes online too but how can you get a quote?

Search for an Insurance Carrier You Like

There are dozens of different insurance carriers and firms available online and you may want to start off with the people you recognize. For example if you had heard of a few well-known names, you may be best to search for their websites first. However, you can always look at a huge variety of insurance firms you want to consider. You can get the best life insurance quotes online, so remember that.

Fill In Basic Details

If you were looking at one particular insurance company, you should find their website and click on the term life insurance quote bar. Once you are faced with a form, you can fill out the details and click the ‘get a quote’ button and the results should appear within seconds. Now, while you can get the best life insurance quotes online, some companies will want to speak to you either in person or over the telephone. This is important to know and sometimes the quotes given online are purely based on the information provided.

Compare Life Insurance Quotes

To get the very best life insurance quotes online, you probably want to look at comparison websites. Now, there are plenty of good comparison websites online and if you haven’t got a particular company in mind, comparing several at once would be more useful. Comparison websites allow you to fill in basic details such as your age, marriage status and any pre-existing medical condition and find you the best insurance quotes from a variety of insurers. This can be most useful to those unsure of where to turn to or what company to start with.

All Quotes Should Be Free

When you compare life insurance quotes you should never be charged a fee. This is important to remember because there are scammers online waiting to take money from you. You should never be asked to pay a fee, no matter how small it may be, from a legitimate insurance company online and if you are, walk away. No insurance carriers charge fees for a simple quote. More details here!

Make the Correct Decision

It’s so easy to get a quote, you just go online, search for a certain insurance company or go onto a comparison website, type in a few details and the quotes arrive within seconds. It is easy but when you are interested in term life insurance, you must take your time to find the very best policy. Some may look tempting and be able to offer hundreds of thousands of dollars but if the monthly premiums are too high, they aren’t suitable for you. There are lots of great term life insurers who offer a very basic deal that is affordable each month but offers enough cover for funeral and other costs. Stay sharp and always compare life insurance quotes!

Never Wait to Make Funeral Plans

Most companies who deal with funeral arrangements are usually able to give their clients much better prices for their services, so do not be surprised if you get the best price for the whole package, if you’ve arranged everything beforehand.

This is especially true for the Funeral Plans that require the creation of a particular casket or urn or something of the sort, things that usually can take a lot of time and costs are directly related to the inherent difficulty of preparation in the short-term.

The funeral business is heavily structured around the idea of pre-planning

In order to take advantage of that and get everything organized as soon as possible and to avoid disappointment later, think about looking into pre paid funeral plans.

funeral plans photo

The mentioned below are some tips that could help you find the best places for funeral services:

Advance purchasing

The best thing to get the results from funeral services you want is the fact that you have to go for shopping in advance. This will give the family enough time to decide on things.

Apply the following charges. The law requires funeral homes to give clients a complete price list of services and products, so make sure you ask for this in advance.

Do not buy what is not needed. People can feel the pressure of a funeral and many companies know that.

This is why some will raise the price on some of their services and products. Companies such as dignity funeral services are members of the FPA and can therefore be trusted.

Do not overspend either

This is a very emotional time, and that means people may be tempted to overspend. However, make sure to remember that it is not necessary to have a very elegant and extravagant funeral to honour the memory of a loved one – a simple one would be equally pleasant.

plan a funeral image

Preparing eco funerals is never easy, because as usual, loved ones are in such an intense, emotional situation. This is never an easy time to keep a cool and orderly mind.

Therefore, an alternative is to have professionals work with the family to meet customer needs and the associated interests. One of the most important aspects of planning a funeral is to compare prepaid funeral plans.

Many funeral homes offer a variety of plans and packages that include products and services designed to meet the needs of each situation.

Every family is different and funeral arrangements are marked by religious and cultural traditions, budgets and tastes.

Another great tip, again, is to plan the funeral ahead of time as people do with their life insurance arrangements. This will avoid making decisions when in a time of mourning.

Another custom is to select a funeral home or cemetery that is near to you, as this is often more comfortable.

What Are The Different Types Of Life Insurance Policy?

What Are The Different Types Of Life Insurance Policy

There is quite a sizable amount of different life insurance UK policies on offer. It can be overwhelming at times to know which cover is right for you and while there are so many, you do need to find one which works best. However, what are the different types of life insurance policy? you can check here http://www.insurancehero.org.uk/ Here are a few options you should know about.

Life Cover

This has become one of the more popular insurance policies available today, simply because it is a guaranteed payout. Now, life or whole life cover generally costs a lot more than standard policies simply because it ensures a payout after death. Insurance companies need to protect themselves since it covers most deaths and for any age too. This means a twenty year old male can take out a policy and if he should die at the age of thirty, the cover will be paid out. You might want to compare life insurance quotes online to get an idea of the payment costs.

Term Life Insurance

Again, this type of life insurance UK policy does guarantee a payout after death but there is a little difference to whole life cover. you find more detail in our recent blog post. Term life insurance set out a time period basically in which the policy is valid. For example, a thirty year old female who has a mortgage might want to be covered for the upcoming twenty five years so that should be pass away before this time, the mortgage payments will be paid and the children, if she has any, will get to keep their home.

What Are The Different Types Of Life Insurance Policy

Mortgage Life Insurance

This is a strange insurance option but it is fast becoming popular. For those who choose this type of policy will find that they are able to cover the amount of money left on their mortgage so that if they should die or their partners, before the mortgage is paid off, the insurance can cover the amount. However, this has its own pitfalls because if you shouldn’t die within that period of time, you love all premiums. You could also end up paying considerably more than necessary since as you make the payments, the entire cover amount isn’t necessary. Be wary of this and compare life insurance quotes online to get the best deals.

Renewable Term Insurance

You know what term insurance is however, renewable tern insurance increases the policy when the policy is due to run out. Now, this can be exceptionally good for those who are coming towards the end of their policy and want to renew it. However, the premiums might rise a little so be wary of that. However, it is one of the popular types of life insurance UK.

Standard Life Insurance UK

In the UK, the standard cover for life insurance is very simple. You take out a policy, name a beneficiary and should you die within the active policy, the money will be paid out. Though, money isn’t usually paid out under certain circumstances such as suicide or if the death was result in murder though you can actually include these deaths for payout but the premiums might increase. Of course, standard life insurance policies vary from person to person, depending on age, health and lots of other factors including what type of job you have. If you want to learn more, compare life insurance quotes online.

Joint Cover

Joint cover has become a very popular life insurance UK policy option. If you were married or were in a relationship, you and your partner could take a joint life insurance policy that would pay out whenever one dies. The premiums can be considerably cheaper than on two policies though once one person dies, the policy ends and if the remaining party wants to remain covered, they will need to take out a new policy.

Be Covered

Most people don’t think about taking out life insurance however it can be one of the most important things to have today. It does cover you after death and that means the family is somewhat protected from being burdened with lots of financial troubles.So find some tips to get life insurance here http://www.brokerservicenetwork.com/top-5-tips-buying-life-insurance-cancer-diagnoses/. You really need to stay safe and get insurance. Compare life insurance quotes online and find out which company might be able to offer you the best deals.

What Exactly Is Mortgage Life Insurance?

Mortgage life insurance is taken out on the life of the debtor on a mortgage with the purpose of paying off the mortgage loan should the borrower die.

mortgage-cover1-smlThere are several methods used to calculate the amount that the mortgage life insurance will pay.

If you graph the balance of a mortgage that is left to pay on a year by year basis, you will find that there is a curve that stays very high in regards to what is left to pay in the early years.

If you run a typical mortgage amortization schedule, you find that in the early years, there is still lots of principal that remains to be paid. It doesn’t begin to drop much at all during the first 12 to 15 years.

If you had a mortgage insurance policy that had an even decrease in death benefit each year, there would not always be enough death benefit to cover the remaining balance of the mortgage. This type of life insurance coverage is what is known in the life insurance industry as decreasing term life insurance.

Another way to cover a mortgage would be to buy a level term policy. This type of life insurance will provide a level amount of coverage for a period of time.

For example, if you have a 30 year mortgage of $300,000, a person could purchase a level term policy for $300,000 of death benefit.

The amount of the mortgage would always be covered, and if the person were to die some years down the road, then any difference between the mortgage amount and the death benefit could go to the family.

Still another method of covering a mortgage is to purchase a permanent life insurance policy, or one that has a cash value.

In this type of policy, the premiums are more, because the actuarial calculations project the life of the policy to the average life expectancy of an individual. This requires that a reserve be established from within the policy in order to keep the premium level throughout the life of the policy.

Even though the premiums are higher in a permanent policy like this, there will be enough equity that accumulates in the policy to pay off the mortgage in advance, should the mortgagee live, in about the 22nd year.

By paying the mortgage off earlier that its normal 30 year term, a lot of payments and interest can be saved, leaving the home free and clear to the mortgage holder and his family.

The amount that is owed on the mortgage can simply be borrowed from the policy, or the policy can be cashed in, or surrendered and the cash proceeds are then paid to the lender.

Life insurance generally requires that a person be in good health in order to qualify for coverage.

If a person has cancer, heart disease, or a number of other health issues, he or she may not qualify for coverage, or if they do, the cost may be so high that it is prohibitive just for the individual to pay for it.

There are group mortgage policies that banks, lenders, and other types of lenders may have available that will simply pay of the balance of a mortgage, should the borrower die before the entire mortgage is paid off.

These policies are generally designed so that there are no health requirements in order to gain coverage. This method of covering a mortgage would be ideal if a person did have health issues.

There are advantages of purchasing life insurance coverage yourself, if your health is good and you qualify for a good price for a policy. Individual life insurance is based upon a person’s age and state of health. Term life insurance is relatively inexpensive and can easily be purchased from a variety of companies.

If both a husband and wife are working, a term life policy can be taken out on each person for the amount of the mortgage, or for the amount of each person’s portion taken as a percentage of what their incomes contribute to the overall family income.

It is also an advantage to name a spouse as the direct beneficiary of the proceeds of a mortgage life policy, as it allows more flexibility for other family needs in lieu of simply paying the mortgage.

For example the lump sum could be converted to an income stream which may be more beneficial.

 

Life Insurance For People Over 50

happy-old-people

What is it? Life insurance is a contract you make with an insurance company to ensure financial protection for your family and / or people who depend on you, in case of your absence. It is a safe which can also benefit you directly, in the case of permanent disability or a serious illness, for example. The contract of this type of insurance must have coverage for the risk of death, which occurred due to natural or accidental cause, or in the case of survival coverage, found in pension plans (compensation paid at once or in the form of income if the insured survives the period stipulated in the policy of life insurance).

The coverage

The main and mandatory coverage of life insurance (against the risk of death) may have additional guarantees provided for in the insurance people. This is possible because life insurance is part of the personal insurance. This has several different types of coverage for the life insurance : death, disability by accident, permanent functional disability due to illness, permanent disability by disease, severe, daily diseases hospital, daily temporary incapacity, unemployment and loss of income, among others. All these covers can also be combined in such a way that will result in specific products such as travel insurance, lender and educational.

The life insurance over 50 – what you do need to know.

Most insurers is restricted to persons over 65 years of age, and some impose limitation from 60 years to employ, depending on the coverage. On the other hand, on the market there are life insurance targeted to seniors, with acceptance insured under 80 years of age. Only the tip of the pencil means almost prohibitively expensive for those who spent 60 years of age, since from this age group the risk for the insurer is higher (higher probability of occurrence of the event). However, the age limit for recruitment of life insurance has been lower in the past and tends to be higher in the future. Life insurance is definitely worth looking for, especially when we think of people who are more than 50 years of age.

It is very important to compare life insurance quotes online

Before making any decisions you should definitely go online and look for different products since it is easy to compare life insurance quotes online. There are many companies that are able to provide high quality services even when we think about seniors who want life insurance over 50 years of age. It is essential that you have a reliable company do the whole service for you, otherwise you might just be wasting your hard earned money with something that will not be any god for you or even for your family. It is essential to read the conditions and in case you still have doubts or is simply unsure of the decision you will make you should have a lawyer beside you.  It is possible to have life insurance over 50 and guarantee the future of your depends as well.

How to Find Lost Life Insurance Policies

Never mind finding the best life insurance quotes online sometimes just hanging onto the policy you have can be a mission. From trying to track down the missing policy of a deceased relative to making sure that your own family don’t have to do the same, here are some tips.

Use the records that are available.

Unfortunately, there is no national database of policies, although lost life insurance policies are hardly rare.  Estimates put the unclaimed national total at about 1 million right now! If the loved one who’s policy you’re searching for passed recently, you can try a basic document check. Look for records of premium payments, or bills or other communications from the insurer. You may also have some luck with their previous employer, benefits administrator or financial planner/accountant- anyone who might know what they did with the policy. Don’t forget to look out for mail regarding the policy, and check all facilities such as safe boxes. Even old tax returns can assist, as they will often times show interest received from or paid to such a policy. Browser history can also indicate, for example, if they’ve been looking to compare life insurance quotes online and who with.

Contact likely companies.

Most people don’t hop too far when choosing policies. If you’re deceased had a number of policies with one company, try asking them for a search for a life policy, If you can provide them with a social security number and other pertinent information, you’re much more likely to track down the policies you need. Remember that, should the deceased be a younger person, most people like to track down the best life insurance quotes online- you may be able to get a sense of who from via email correspondence or browser history.

Unclaimed property.

If the deceased has been passed for a while, however, such tips as looking for evidence of them comparing life insurance online won’t help. However, it’s possible that it will be already handed to the unclaimed property office of the state in which they lived. Missingmoney.com is a good place to start your search. It will also link you to unclaimed property agencies. Do remember that claims that make a hit on this database will need to be proved and substantiated, so make sure you have all paperwork including a death certificate.

Try state help and databases

The best life insurances quotes online aren’t all the net brings us.  There’s the MIB database, a membership cooperation that fighter fraud and has tools in place to track policies. It’s only relevant for policies since1996, however, and there is a cost associated with it. Alternatively, try enlisting the help of state insurance departments- some have locator services.

Whatever road you take to track the missing policy, take heed of the lesson to be learnt- your loved ones don’t need this additional burden. Don’t just use the net to compare life insurance quotes online, let some of the great database and organisational tools out there keep you from losing your own policy.

 

Life insurance and cancer survivors: What you need to know

cancer survivors

You had cancer and now you are a cancer survivor. Now you are thinking about getting life insurance and are wondering if it will be possible to get life insurance with your cancer history. Here is all you need to know about getting life insurance if you are a cancer survivor.

The changes of getting life insurance with a history of cancer

It is not impossible to get life insurance if you had cancer. Maybe a few years back, it would be really hard to get life insurance if you had cancer, but life has changed. There are so many success stories about cancer and cancer treatments, that having cancer doesn’t mean a death sentence. There are companies out there that are trust worthy and that have approved cancer survivors for getting life insurance. It will be a bit harder to get Life insurance if you are a cancer survivor, but not impossible.

Life insurance depends on type of cancer

Getting life insurance when you are a cancer survivor depends also on the type of cancer you had. There are some cancer’s that falls under a higher risk than others. With some cancers you will pay a normal premium, but with other types of cancer you will pay a very high premium. It all depends on what type of cancer you had and how long you are in remission.

What you need to know before getting life insurance

Before you can get quotes for life insurance if you are a cancer survivor, there are a few things that you must know, to improve your changes to be approved for life insurance if you had cancer:

Don’t lie about health

Don’t ever lie about your health if you want to apply for life insurance.Even if you did had cancer. By telling the truth, you have a better change in getting approved for life insurance. If you are lying, they will find out the truth and they will know that you are untrustworthy and they will not approve any life insurance for you.

Try applying for the life insurance with medical exam

You may think that there’s no way og getting life insurance with a medical exam if you had cancer, but it is not true. By going for a medical exam, you can proof that your cancer is in remission and that you are healthy and living a healthy life style. You will not just get life insurance, but you have a good change of getting a lower premium.

cancer survivors

Keep all your medical records on hand.

If you had cancer, it is a good idea to have your medical files, which are up to date, ready if you are applying for life insurance. Send it in with your application. This can also be proof that you are cancer free now, and healthy. This will also show the company that you are honest.

If you are a cancer survivor you don’t have to go through life thinking that you won’t be able to help your family financial when you passed away. There are options and it doesn’t mean that if you had cancer, you can’t get life insurance.

Top 5 tips for buying life insurance after cancer diagnoses

life-insurance-cost

Being diagnose with cancer can be devastating enough, but if you know that you don’t have any life insurance, it can be even tougher. Life is going to get quite tough after the diagnoses with cancer; you don’t want the unnecessary extra stress about finding life insurance that will look after your family when you are gone. If you are starting to think about life insurance, check out these five tips that can make getting life insurance a bit easier.

Get all your medical records up to date

You can be prepared for medical questions if you are diagnose with cancer and applying for life insurance. Don’t let all the questions let you feel stressed and out of control. You can easily answer all the medical questions if you have all your medical records up to date and with you. Then you also have the proof they need, ready. This will make applying for a life insurance a bit easier.

Research more than one life insurance Company

Research more than one life insurance Company. You will have more chances for being approved for life insurance, if you have done your homework about all the companies. By researching more than one life insurance Company you would be able to see which companies are approving cancer patients and which one of these has the better premiums. The more quotes you can ask for, the better choices you will have to choose from.

Consider all the different types of life insurances

Make sure that you know all the different types of life insurances, so that you can consider all the different types of life insurances. With the knowledge of the types of life insurance, you can choose the one life insurance that is the best fit for your and your family’s needs. This will also give you more options to choose from.

Be prepared to pay higher premiums

If you are just diagnosed with cancer, you can know that you are going to pay a very high premium each month. Because you have a life threatening illness, you are under the high risk category and they are paying a much higher premium that the healthy people applying for life insurance. But with the fact that you researched different companies, you will get the best premium possible.

Be patients while waiting for approval

You must be patients if you are applying for life insurance. The proses for approving life insurance for cancer patients can take time. While waiting for approval, focus on your health and in getting better and in beating cancer. If your application isn’t approved, don’t lose hope. There will be other companies that just might approve your life insurance policy. Just keep on trying.

life-insurance-cost

Getting life insurance when you just have been diagnosing with cancer can be a hard proses. The key is in patients and on applying for life insurances until some company is approving your life insurance. And don’t ever lose hope, you will find a life insurance company that will approve your life insurance application.

  • There are so many different kinds of life insurance policies, that if you are just a normal person with no life insurance background, you don’t understand all the different types of life insurance policies.
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