An insurance adviser or broker is essentially your trusted liaison to a variety of financial products and services. They are usually the ones on the front line, asking you the important, often never-thought-of questions, providing you with accurate answers and deciphering the often overwhelming stream of information and options. A broker must also gather the information you give him or her, then [...]

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Certain types of permanent insurance policies may carry a penalty, like a CD, so find out about this before you commit to it. If you have a simple term policy, you may cancel at any time without penalty.

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It's like changing your motor oil every 3000 miles. If you don't do it, you may discover your car no longer works when you need it most. Most people forget to do this until it's too late. Your situation often changes throughout the course of life ... especially in these times. A new home, car, job, family member, or the lose of any one of those, can change your entire financial position. It's best[...]

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First, if your mortgage is much more than the coverage on your existing policy, see if it's practical to raise your coverage. If that doesn't work, and you definitely want to pay off your mortgage when you die, do consider a term policy for the full amount of the new mortgage, or at least to make up the difference.

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By carefully determining what your goals are. Insurance can be about cash-replacement due to unforeseen circumstances, but can also serve many other needs. Ideally, you'll want to discuss this with a trusted advisor, who has experience with insurance planning.

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Term, if you only want coverage for a temporary period. Permanent, if you want coverage until you die. Remember, permanent also builds cash value and can supply additional retirement income. Discuss all options with an insurance advisor.

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An insurance adviser or broker is essentially your trusted liaison to a variety of financial products and services. They are usually the ones on the front line, asking you the important, often never-thought-of questions, providing you with accurate answers and deciphering the often overwhelming stream of information and options. A broker must also gather the information you give him or her, then [...]

Read more

Certain types of permanent insurance policies may carry a penalty, like a CD, so find out about this before you commit to it. If you have a simple term policy, you may cancel at any time without penalty.

Read more

Everything – including your age, the amount and length of coverage, your health, smoking, the carrier and a host of other factors. This is where an insurance advisor can help.

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Each carrier has a rating, usually A – F. Make sure your carrier has at least an A+ rating, which means it has excellent financial strength and claims paying ability.

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