Leaving a Legacy

Legacy, “a gift by will especially of money or other personal property” is the definition taken from Merriam-Webster’s online dictionary. Anything given to you by someone, who has marked you as beneficiary, after death. An article of clothing or a piece of jewelry. It could be a letter or land. However big or small, what…

Why CI? (Critical Illness Insurance)

What if you were diagnosed with cancer tomorrow? How would your life change? Now I know that things like cancer don’t happen to people like you and I. They only happen to celebrities like Christina Applegate, Lance Armstrong, Sheryl Crow, or my friend, Pam, who was diagnosed with breast cancer earlier this week. Cancer is not fun…

Peace of mind just in case

In the last few weeks I heard of two very young men who left behind their families very suddenly; one of whom I knew personally. One day they were watching their children compete in sporting events and the next they were gone. The circumstances in both instances were similar enough, I thought they were the same people,…

Life insurance for the living

So often when we purchase life insurance, whether Term Life, Whole Life or Guaranteed Universal Life, the first thing we think of is who will benefit from it; those we leave behind. We seldom think about using life insurance while we’re living. The reality is there are many reasons to use it during our lifetimes.…

Benefits of a Long Term Care Policy

Most people think of long term care as something they’ll need when they’re elderly, but there are other times when a long term care policy can be of benefit to even those of us several years this side of retirement. Long term care policies have benefits that provide for more than just the care you get…

Which riders do I need?

“Mom, I got a call the other day from our insurance agent,” said my now 20-year old daughter. “She wanted to talk to me about life insurance, but I didn’t know what to tell her.”   My bright young off-spring knows her father and I both carry life insurance policies and have paid premiums on…

Why Return of Premium?

Several years ago I worked with a business owner for whom I had great respect. One particular day I was in the office, she came in talking about estate planning and reported that she and her husband had finally decided to sit down together and plan for both their home and business in-case one or…

All term life policies are the same – right?

Not exactly. Term Life Insurance is designed to provide for your loved ones in the event of your premature death, but NonMed Term 350 gives you more options than just to purchase a policy for a set amount. Unlike other term life policies, NonMed Term 350 can also be converted to permanent insurance, and includes an…

NonMed Term 350 Life Insurance – One Plan Many Solutions

For most us term life insurance is that one thing we know they need, but don’t want to talk about. We know we need it and invest in it, but often it is money we know will be paid out to our kids, spouses or grandchildren after we’re gone. That isn’t necessarily the case with…