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Homeowner s insurance is something that every homeowner must have in place at all times. But one issue concerning homeowner s insurance has been occurring a lot lately and causing a variety of problems for homeowners who have a bought a new home yet have not sold their old one yet.

And that is the issue of insuring vacant homes.

In today s market, it is not uncommon for homeowners to buy a new home without selling their old one first.

It is taking longer and longer for a home to get sold nowadays, so this problem is not uncommon for people to move into their new home while their old one remains vacant for some time.

The problem with this is that many insurers will not insure a vacant home because there is a greater possibility that something could happen to it.

A February 25, 2007 article by Steve McLinden of Bankrate.com, “Vacant home for sale carries insurance dangers,” discusses some issues that could arise when attempting to insure a home that is un-occup (more...)

Term Life Insurance Coverage for Life

Imagine that you have worked your whole life, past the age of retirement, building a healthy and substantial fortune for yourself and your family. Now that you are in your Golden years, you want to make sure that the family fortune is distributed according to your wishes. While most premiums for insurance policies are based on age, carriers do have what is called term life insurance to 100. You can purchase this policy between the ages of 71-80 (check with a qualified financial advisor as each carrier may have different requirements). Just like level term insurance, the premiums for term life insurance to 100 remain unchanged and stop all together when you reach the age of 100. Even if you live to 120 years old, you will continue to be covered. This type of policy basically covers you for life.

Why Term Life to 100 is Ideal

Term life insurance to 100 is an ideal policy for estate planning. Usually, families put together estates i (more...)