Before you can know who an annuitant is, you must know what an annuity is. An annuity is a contract agreement between a person an a life insurance company over a predetermined amount of years. More…

The older you get, the more relevant life insurance becomes to your life. You always made sure your family was taken care of and that is something you want to keep to even after you are no longer able to be with them. More…

Your options are endless with life insurance. You can choose between whole life and term life with most insurance companies offering increments of 10, 20, and 30. If you are considering long term coverage then you might want to take closer look at 30 year term life insurance. Term life insurance is the simplest and often the most affordable kind of life insurance and a 30 year commitment will help you pay off a substantial amount of your debt so your loved ones won’t have to. More…

Simply put, an annuity is an agreement between you and your life insurance company that you will pay them periodically over the years and they will pay out the cash value of your annuity at a predetermined date. This most basic kind of annuity is made to benefit you while you’re still alive–most notably for your retirement. However, a structured settlement annuity is like an annuity with a twist: it pays out in the case you are in an accident. More…

Most people don’t start thinking about life insurance until they get a little older; start having families and increased responsibilities. More…