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If you have a family, then you most likely have a need for life insurance. The key is finding the cheapest life insurance policy that fits your family s needs as well as your budget. The cheapest life insurance will always be low cost term life insurance. Premiums for these policies are much lower than whole life insurance or universal life. The tradeoff is that your insurance coverage will be for a specified period of time only.

For example, you can find term life policies being offered for 5-10-20 or 30 years, as well as an annual renewable term life policy. When the policy term expires you ll have to renew at a higher rate since premiums are based on your age at the time.

You ll find that term insurance is extremely popular. It works well in filling so many different needs, such as covering your mortgage on your home in the event you were to die. Your family would be able to have a home paid for without worry of how to make the payments.

Getting a term life insurance quote is as si (more...)

A fixed indexed annuity (FIA) is the product of choice for top selling annuity agents who are tired of seeing their clients lose money in low interest rate CDs. A fixed indexed annuity is a hybrid fixed product that is fast becoming the new “safe home” for billions of former CD, stock market and mutual fund dollars. And with good reason.

HOW IT WORKS

A FIA provides a safety net of usually 1-3% interest compounded annually. But this is just the minimum guarantee through the contract term. The upside earning potential is much higher.

As the name implies, the fixed indexed annuity is tied to an equity index such as the Standard &amp Poor s 500. The S&ampP 500 is the benchmark for U.S. equity markets, representing the general health of the overall stock market. As the market goes up your client s earnings go up because they participate in a percentage of the increase. But (and this very important) when the stock market comes back down again as it always does, your cl (more...)