Life Insurance Archives - Home & Auto Insurance Pasadena CA

21 October 2021 Massive Insurance and Financial Services, LLC. Category: Life Insurance

What Is a 30 Year Term Life Insurance Plan and How Does It Function?

First, life insurance can be defined as a contract drawn between an insurance policyholder and an insurance company. The insurance company promises to pay a certain amount of money to someone when the insured dies. Term life insurance is a kind of insurance between an insurance company and the insured. This type of life insurance assures payment of a particular resource agreed in the contract when the insured dies. If after the specified time in the contract expires and the insured is still alive, the holder can renew it for […]

26 August 2021 Massive Insurance and Financial Services, LLC. Category: Life Insurance

Smart Ways to Lower Your Life Insurance Rates

The importance of taking out life insurance cannot be overemphasized, but without careful planning, you may end up with significantly higher premiums. The following are some ways in which you can lower your life insurance rates. 1. Focus on financially sound companies Look around for the best insurance companies by reading online reviews and checking their ratings. Top-rated providers tend to have positive reviews from existing or former clients. For the best coverage plans, settle for a financially capable insurance provider. 2. Shop around to get a sense of the […]

4 February 2021 Massive Insurance and Financial Services, LLC. Category: Life Insurance

All You Need to Know About Variable Universal Life Insurance

Variable life insurance is a common term in the world today. Some people appreciate the importance of this type of insurance, while others don’t like talking about it. Some people believe life insurance isn’t worth the money or isn’t meant for them. In most cases, people who reach these conclusions haven’t looked into the available options for themselves and their loved ones. The term life insurance and whole life insurance are the most typical policy types. However, there is a new concept you may not have heard of called variable […]

8 October 2020 Massive Insurance and Financial Services, LLC. Category: Health Insurance, Life Insurance

Three Steps to Cheaper Life Insurance

Life insurance is a coverage that so many of us benefit from, but it is often overlooked. It is a crucial policy to acquire if you have any financial dependents or desire to leave a legacy when you pass. While life insurance is vital to obtain, that doesn’t mean you need to spend more money than necessary on it. There are many ways to acquire coverage without breaking the bank. Take a look at these affordable ways to secure cheaper life insurance. 1. Only pay for what you need When […]

9 April 2020 Massive Insurance and Financial Services, LLC. Category: Article Archives, Life Insurance

Tips for Managing Life Insurance After Divorce

Handling your life insurance policy after divorce. Going through a divorce is never nice. It can cause upset and disagreements between families. While you’re busy separating out the items in the house, it’s wise to consider how your life insurance will be affected. After all, it’s likely that you are both each other’s beneficiaries. If this is the case, take a look at these tips on how to manage life insurance after a divorce. Change beneficiaries If you have a life insurance policy for yourself, chances are you listed […]

23 January 2020 Massive Insurance and Financial Services, LLC. Category: Article Archives, Life Insurance

What Freelancers Should Know About Getting Life Insurance

How freelancers can secure the right life insurance coverage. There are many benefits to going freelance. Not only can you be in control of your work, but get to create a flexible schedule that works for you. Freelancing is especially great if you have a parent or child that relies on you to be there. But what happens if you’re not there to take care of your loved ones? If you were to suddenly pass, how would your loved ones cope? You may not have an employer-sponsored life insurance […]

14 November 2019 Massive Insurance and Financial Services, LLC. Category: Article Archives, Life Insurance

What Your Life Insurance Agent May Not Tell You

Keep these life insurance facts in mind. When buying life insurance through an agent, he or she should inform you about the products suited for you. However, some agents may mislead you into buying the wrong product for your needs. Keep in mind these few things that life insurance agents may not always tell you upfront. Not everyone needs life insurance. Just because you have an income doesn’t mean you need to buy life insurance. Life insurance is beneficial for those who have mortgages, kids, a spouse, dependents, and debt. […]

10 October 2019 Massive Insurance and Financial Services, LLC. Category: Article Archives, Life Insurance

What to Look for in a Life Insurance Policy

Life insurance policy considerations. If you’re an adult with a house, a spouse, kids, and other financial liabilities, hopefully, you have life insurance already. If not, it’s important that you start looking for coverage. Life insurance protects your family when you’re no longer able to do so, and is a truly selfless policy. Although some coverage is better than nothing, it’s better for your family to ensure that you secure a reliable policy that addresses your needs. Here are a few things to consider when looking for a policy. Affordability […]

19 September 2019 Massive Insurance and Financial Services, LLC. Category: Article Archives, Life Insurance

Why People Put Off Buying Life Insurance (and Why They Shouldn’t!)

Common reasons why people avoid purchasing life insurance. Many people put off purchasing life insurance for a variety of different reasons. The excuses that come up are usually the same. Today, we’re going to look at a few reasons why people put off buying life insurance and why they shouldn’t! People don’t fully understand the importance of life insurance. This is the most common reasons. It has nothing to do with cost, health or the family situation. A majority of people simply don’t understand the benefits of acquiring life insurance. […]

25 July 2019 Massive Insurance and Financial Services, LLC. Category: Article Archives, Life Insurance

Tips to Prepare for a Life Insurance Medical Exam

Preparing to pass the life insurance medical exam. When you buy life insurance, one step in the process is usually to get a medical exam. The exam results help underwriters at the life insurance company to determine their risk when they insure you. In turn, your risk determines how much you end up paying for coverage. To help you produce the best medical exam results, here is how to prepare. Schedule your life insurance exam for early in the morning. Even a piece of fruit can affect your blood pressure […]

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