Reader’s Question: I have life insurance coverage through my employer here in California but I don’t think I have enough coverage. What is my best bet for additional life insurance cover without going through a medical examination? Ivette Costa Mesa, CA It’s a good decision to get additional coverage for your life insurance even though [...]

Reader’s Question: I’m thinking of getting term life insurance here in Anchorage Alaska , but I found out that it was a waste of money. I mean if I don’t die within the period, my life insurance premium goes to nothing. I’m thinking of getting annuities. What is the disadvantage of annuities compared to term [...]

Reader’s Question: What is a whole life insurance? How is it different from term life insurance? Will both be available in Cincinnati Ohio ? Jordan Cincinnati, OH Whole life insurance, also known as permanent insurance, provides a certain amount of money to your beneficiaries when you pass away, called death benefit. It also generates cash [...]

Reader’s Question: Hi there! Are there different types of term life insurance? I want to know what they are before I get one here in Levittown, Pennsylvania . Lomi Levittown, PA Hello there Lomi! There are a lot of term life insurance products there in PA., and you can never run out of choices. You [...]

Reader’s Question: I have a small company in Thatcher, Arizona. Business is good and doing well, I could not ask anything from my employees. They’re all good and hard working, last time I had a meeting with them. I talk to them and ask their opinion on how we can strengthen our working relationships in [...]

Reader’s Question: Can you please update me on the pros and cons of purchasing a term life insurance policy in California ? Much appreciated… Russell Carson, CA Temporary life insurance or is simply called term life insurance is an insurance that would protect the insured person for a certain period of time. Another expression for [...]

Reader’s Question: Would you recommend juvenile insurance for our new- born son? May I know if this insurance is necessary and feasible in Bakersfield California ? I was informed this is the cheapest in the market? Michael Bakersfield, CA Congratulations to both of you! Newborn infants and young adults under the age of 16 can [...]

Reader’s Question: Hi! I’m a chain smoker here in and I’d like to get cheap term life insurance in Berkeley California . Will I be able to do so? Ross Berkeley, CA Hi there Ross. Unfortunately, in comparison to non – smokers, smokers will always have higher premiums on life insurance in Berkeley. You may [...]

Reader’s Question: Hi! I just want to know if long term care insurance can help me during the future because I’m planning to get one here in Erie Pennsylvania. Thanks! Alicia Erie, PA That’s a great question. You see, long term care insurance in PA can really help you in the future, especially if something [...]

Reader’s Question: Hi! I’m Chelsea and I’m curious about what life insurance is and how it makes a difference for me here in Yuma Arizona? Chelsea Yuma, AZ Hello there Chelsea! It’s great that you’re interested in life insurance even at such a very young age! That’s very nice. Now let me tell you the [...]