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As many industry experts acknowledge, the Internet is one of the best places to find comprehensive information about life insurance.  It can also be the easiest and fastest method of obtaining  term life insurance quotes from competing insurance companies.  However, unless you know what to look for and know how to navigate your way through seemingly endless pages of competing websites, your search can wind up with you navigating away from your search, leaving you frustrated with the process and without a new life insurance policy in hand.

It doesnt have to end that way. The following information should clear up any confusion you might have encountered in your search for life insurance quotes. We

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Do you have all the relevant facts you need to make a wise decision about disability insurance? Many people assume they have all the information necessary to make up their minds regarding this type of insurance, but this isnt always the case.

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Life insurance is unique among financial instruments. It is one of, if not the only financial instrument that is based on caring and love. Even though there can be personal advantages to having life insurance, the real impetus is love for those one cares most about – to make sure they are taken care of. So, applaud yourself for taking the time to learn about this subject (and please follow up with action whether through us or the organization of your choice).

Interestingly, while one is taking care of the financial needs and wants of a spouse or the next generations, life insurance can also develop and build ones personal financial goals while living. F

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Nearly half of the people who bought individual critical illness insurance policies last year were younger than age 45, according to a new report.

Exactly 49% of men and 46% of women who purchased policies in 2011 were under 45 years old, according to the 2012 Critical Illness Insurance Buyer Study conducted by the American Association for Critical Illness Insurance (AACII) and General Re Life Corp.

Researchers analyzed data from 10 critical illness insurers, which accounted for more than 57,200 purchasers of individual critical illness insurance policies made in 2011.

While the majority of critical illness insurance sales continue to be made in the worksite setting, sales to individuals are increasing as awareness grows, explains Jesse Slome, AACII executive director.

Exactly 18% of male buyers and 17% of female buyers were between the ages of 25 and 34.

Fewer than one in 10 buyers were age 25 or less and just over one in five buyers were age 55 or older.   This year’s study found that buying ages for men and women were more closely aligned compared to last year, said Stephen Rowley, vice president for Gen Re, in a statement.

Critical illness insurance pays a tax-free, lump-sum cash benefit generally upon diagnosis of a covered critical illness such as cancer, heart attack or stroke.

Sold in 54 countries worldwide, the first policies became available in the United States around 1996 and today more than 1 million individuals have such protection in the U.S.

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State insurance regulators are touting the $17 million settlement they negotiated with Prudential in January as “an important step” in getting life insurers to cough up the estimated $1 billion they owe to life insurance beneficiaries. It’s a step, all right, but in the wrong direction.

This settlement gives the states which sign on – seven so far, including California – a small amount of money, but even that pittance will ultimately be divided by at least 20 states, the number which need to sign on for the deal to be approved. And s

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Youve been meaning to look into disability insurance for quite a while and now you are finally going to do it.  You start your search and see that there are several very good disability insurance companies that offer high-quality individual policies. How do you choose the right company for you?

The first thing you might want to do is find a broker (such as those that run this website) who represents several disability insurance companies and ask for quotes from each company and a side by side comparison of benefits so you can easily compare the benefits and premiums of each policy.  The major players in the high-quality individual disability insurance market are Guardian (Berkshire), Mass Mutual, MetLife, Principal, Standard and Union Central.  A broker specializing in disability insurance should be able to get you quotes from these companies.

Make sure the broker gives you the financial ratings (A.M. Be

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A new study has found that last year (2010), about 40% of Americans had trouble paying medical bills. This is up from 34% just a few years ago in 2005. Lack of insurance coverage is an obvious obstacle to increased out-of-pocket spending, but Patricia Herman, an economist at the University of Arizona warns that even having health insurance isn’t always protective from being financially devastated by illness or injury.

The study, which appears online and in the August issue of the American Journal of Public Health, used data of 4,200 households in Arizona using the 2008 Arizona Health Survey which included items about whether families were having trouble paying medical bills or if they had delayed care because of the expense. D

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