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Compare Term Life Insurance - The Only Way to Save Money
Term life insurance shopping is easier than shopping for the equity based permanent plans. It is much easier to compare term life insurance because it is the simplest form of all life insurance policies. Term life insurance consists of a few things...Read More

Life Insurance - Medical history increases the cost for 66% of applicants
Lucky applicants for life insurance can be insured within 48 hours and at the premium quoted - but 2 in 3 applicants are faced with delays plus the prospect of having their premium loaded. So who are the lucky ones? Basically, you'll have...Read More

Term Life Insurance Rate Quotes - More Knowledge Equals Better Rates and Coverage
Term life insurance quotes are readily available online. Shopping for term life insurance is so much easier than permanent life insurance. The simplicity of term life insurance is what makes the rate comparisons easier to understand. Once you have...Read More

Why Do I Need Life Insurance?
Life insurance is one of those things that everyone should consider, especially if you have a family that is financially depending on you. Upon death, this type of insurance will help your loved ones pay for funeral expenses and other expenses. ...Read More

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Life Insurance: The ABC's of Professionals

Finding a good life insurance agent can get confusing. There are so many things that you just don't understand. How about all of the abbreviations on their business cards or in their yellow page ads?

Here's a short list of the most popular abbreviations you will see:

CLU: Chartered Life Underwriter - a professional advertiser in business and family financial security in regards to life insurance. This designation comes from an accrediting institution. A comprehensive course of study and the passing of a series of 10 college level exams is required. They must be knowledgeable in the areas of life insurance, pensions, taxation, finance, economics and business and estate planning. There are strict ethical and experience requirements. It usually takes five years to become a CLU.

LUTCF: Life Underwriter Training Council Fellow -those who meet or exceed the qualification standards of The American College and the National Association of Insurance and Financial Advisors. This designation shows a strong code of ethics and professionalism. There are five courses required to become a fellow, with two being personal insurance or business insurance classes.

ChFC: Chartered Financial Consultant - an agent that is also a financial planner. This is a professional equipped to handle both life insurance and financial planning. There is a broad course program that must be completed to display this designation.

AEP: Accredited Estate Planner - this title is awarded by the National Association of Estate Planners & Councils to professional estate planners, attorneys, CLUs, ChFCs and others that meet qualification requirements and pass two graduate level courses from The American College.

CFP: Certified Financial Planner - CFPs are increasingly popular among consumers. The right to use this designation is for those who have gone through educational training and agree to follow the CFP Board Code of Ethics and Professional Responsibility.

FLMI: Fellow Life Management Institute - this designation shows that the agent has a solid foundation of knowledge in life and health insurance. It is administered by the Life Office Management Association.

When choosing an agent, you should also take the time to look into any memberships in professional associations, such as the National Association of Insurance and Financial Advisors, or NAIFA.

Martin Lukac, represents http://www.RateEmpire.com and http://www.1AmericanFinancial.com, a finance web-company specializing in real estate/mortgage market. We specialize in daily updates, rate predictions, mortgage rates and more. Find low home loan mortgage interest rates from hundreds of mortgage companies!

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Affordable Term Life Insurance
Term Life Insurance provides a specified amount of money to your dependents if you die, to cover costs like a mortgage and education. The term is determined when you sign up for insurance. Term Life Insurance is cheaper to purchase than whole...Read More

Extend Your Pet's Life with Pet Insurance for Dogs, Puppies, Cats, Kittens
Dog Owners know that a pet soon becomes a much-loved family member. It would be terrible to have to place a cash value on your pet's life. If you do not have adequate Insurance you could be faced with that heart-rending decision. Do you want that...Read More

Know All About Life Insurance Before Buying It!
Life insurance is important but you must get your facts right before buying it. Before buying it you must know what the policy offers and what it does not offer. And for this you must make your agent sit and answer your questions. Life insurance...Read More

Life Insurance Leads
Like other companies who purchase leads, life insurance companies are taking full advantage of the Internet so that customers can go the company website and receive free quotes. As you do this, the agent behind the scenes is adding you to a list of...Read More

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The number and different types of life insurance can cause much confusion to the new life insurance agent and in some cases to the life insurance buyer. You will get an overview of most of them here and how each one can be applied to your...Read More

How To Get Term Life Insurance With No Medical Exam
There is no doubt that term life insurance is the most affordable life insurance out there.  You don't have to think about cash values, investment performance, or getting loans that permanent life insurance offers.  It's pure protection and can ...Read More

Life Insurance Mortgage Online Quote – How to Shop for Mortgage Protection Online
The purchase of a new home is one of largest investment that we make. The homeowner policy is almost always purchased when anyone purchases a home. The bank lending the mortgage money will require a homeowner policy and become the lien-holder on...Read More

Life Insurance Settlement- What They Are And How To Use Them
Unneeded or underperforming insurance policy holdings? Ever thought or heard of a financial services valuation tool and strategy called life insurance settlements? Well, if not, the capital markets certainly have heard and taken notice. Life...Read More

Viatical Settlement With Life Insurances
Viatical settlement originated from the Latin word ‘Viaticum’, meaning the Eucharist given by a priest to a dying person. Viatical settlement therefore refers to the purchase of the life insurance policy before the maturity date or the death of the...Read More

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