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Excuses for Not Having Life Insurance

Best Life Insurance Policy

There are No Excuses for Not Having the Best Life Insurance Policy at the Best Price!

As a Canadian insurance broker I have heard many excuses over the years as to why people won’t buy life insurance, here is a small list of the most common excuses.

  • I don’t want to leave money to my spouse; after I die they are just going to spend it with their new partner.
  • I’m totally healthy I will buy it when my health starts to fail
  • We like to travel 2 or 3 times a year and we can’t afford any new expenses right now.
  • My kids can deal with it when I’m gone.
  • My father and mother lived into their 90s.
  • I don’t believe in life insurance, it’s a scam.
  • My debts don’t have to be paid after I die.
  • I totally think that I will never die.
  • I won’t buy life insurance because I have to pay a higher premium because I smoke.
  • I am going to wait until I have stopped smoking cigarettes before I get life insurance.
  • I’m only forty I’m too young for life insurance.
  • My spouse can deal with it; I will be dead who cares.

As your trusted Insurance Broker, it is my hope that after reading through this list that some of your will realize how ridiculous and short sighted all of the above statements are.

When you’re deciding about whether or not to get a life insurance, think for a while and ponder on these few questions:

  1. Are you married?
  2. Do you have any dependents such as your children or your parents?
  3. Do you own your own home?
  4. Do have a large outstanding balance on credit cards / lines of credit?

If you answered yes to any of these questions it is a likely indication that you should have a life insurance policy in place.
The answers to these questions along with the advice of a professional insurance broker will guide you to figure out if you should buy a life insurance policy, and if you do, what type of life insurance coverage you should purchase.

One of our life insurance experts would be more than happy to answer any of your questions. Please feel free to contact one of our life insurance experts for a free consultation. Absolutely Free. No Cost. No Obligation. You may also be interested in one of our free online life insurance quotes.

Why Should I Work With A Life Insurance Broker?

Why Should I Work With A Life Insurance Broker?

A photo showing different types of insurance

Your Life Insurance Broker can get you the best rates on life insurance for you situatWhy Should I Work With a Life Insurance Broker?

What is a Life Insurance Broker?

Should I Work With a Life Insurance Broker ? A life insurance broker is a committed individual that encourages and listens to the needs and wants of an individual. An insurance broker will be able to find appropriate rates for you to choose from. When you speak to a life insurance broker, you can get the life insurance you require from a carrier in another city or province that is offering better rates then a local life insurance company. We will answer the question below: Should I Work With a Life Insurance Broker?

There are many advantages in dealing with a life insurance broker when you want to obtain life insurance. The broker is familiar with the requirements of many different carriers and knows which ones they can contact to get you the best rates on life insurance for you situation. It doesn’t cost any extra to use a broker to obtain your life insurance; in most cases you will pay a lot less then if you had searched for the coverage yourself.

Your Life Insurance Broker will help you determine how much coverage your family would need in the event of your death. They will you in determining what type of life insurance would best suit your situation.

You can search online for a broker just as easily as you can search for life insurance. Instead of having to contact three or four  companies for quotes in order to get the best rates, let a broker do the work for you.

Visit the Solutions Financial home page for a Free online Life Insurance Quote.

Money Market Rates – What You Should Know About It

Money Market Rates – What You Should Know About It

Money market accounts are individuals’ savings accounts which the banks are providing. They’ll only permit certain amount of the withdrawals, have greater stability requirements and generally have the higher rates. Understanding that you have the interest rates for the money market account may have significant effects in your savings. Money market rates might change yearly, and the overtime of the money market rates would have a vital role within your savings as well as the general the account management.

Is my Money Market Investment Safe?

Your hard earned money market account is insured, like banks, using the Federal Deposit Insurance Corporation (FDIC). Although your own bank goes under, your hard earned dollars is still there. That is the reason why most money market account is important to people that’s looking for financial security.

Most of the money market rates are influenced by the returns that the bank will pay but still earn profits. In other words, although the financially stable the financial institution will directly correlate using the money market price. In addition, banks costs and financial loans will modify the rates of interest banks’ sets on money areas.

What are the Rates?

The condition of our economy performs a large role in how much banks are ready to pay money market rates. The kinds of money market rates are relying on how low the needed amount of money you have to open up the money market. The lower the total amount you needed in advance for the money market accounts, the lower the rate of interest.

The easiest method to have a good money market account is as simple as searching at how low the actual rates of interest are. Furthermore, the most effective way to find rates of interest is as simple as searching at how financially stable banks are that provide the money market accounts.

Any more questions? See our website or give us a call www.solutionsfinancial.ca