Tag Archives: Life Insurance Brokers

Joint Term Life Insurance Explained

Posted on: November 6th, 2013 by Peter Choma

Joint Term Life Insurance Explained

First of all, what is “Term Life Insurance” ?

Term Life Insurance is where you take out a policy to cover a death of the insured for a set period – the Term.  To have  Joint Term Life Insurance Explained, we have to talk about a few more topics. These are typically used by people who may have a mortgage, or other large repayment commitment. These people require coverage to make sure that payments are covered in the case of death. Once the Term insurance is finished you do not get any funds in refund for not making a claim. In addition, there is no surrender value.

Once you stop paying the premiums on a joint term policy,


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Does my job affect my life Insurance?

Posted on: July 16th, 2013 by Peter Choma

Does my job affect my life Insurance?

Life Insurance companies are in the business of making profits from the policies that they sell. This means that for each policy they issue they expect to receive more premiums than they agree to pay out. If they didn’t do this they would go out of business. Does my job affect my life Insurance? Read below to find out.

This means that they have to judge and assess your; evaluating how much risk there is of you dying an unnatural or early death. The greater risk of you dying an early death, then the higher the premium.

This risk is based on a set of industry wide statistics used by most life insurance companies.


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Should I invite an life insurance agent into my home, or use an internet life insurance broker?

Posted on: June 24th, 2013 by Peter Choma

Life insurance is a difficult subject, it is a decision we all have to make, and a thing we all should have. Whether it be a simple policy that will pay out when we die so that our families are not overly burdened by our passing, or an investment for our retirement. The industry is full of difficult language, clauses, contracts, exceptions and fees. It is a minefield waiting to catch the unwary, and one that some people dread to walk upon.

That’s why we have insurance broker, and life insurance agencies. They are there to make the minefield seems a little less perilous, safer to walk through. They are there to make sure that you connect with the policy that suits you best,


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