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benefits of term insurance. Different type available

Med Supplement or Medicare Advantage (part 1)

I am often asked, which is better, Medicare Supplements of Medicare Advantage? The answer is not always simple and straightforward. What can you consistently afford, over the long term? Just because a policy offers more coverage doesn’t mean it’s better for you, especially if you can’t afford the make the premium payments. A lapsed policy,…

What Type Of Insurance is best for you?

When choosing between term and whole life, consider these 3 factors: the purpose of the insurance policy how long will you need the insurance policy the cost of the insurance policy Whole Life Insurance is a life insurance contract with level premiums that has both an insurance and an investment component. The insurance component pays a…

What is the difference? Term or Whole Life

Reasons to buy Whole Life Whole life policies remain in force until death (when the policy pays the beneficiary its face value). Whole life policies also have a savings component that accumulates value, tax deferred, against which the policy holder can borrow. (both types of policies require that premiums are paid current to remain in…

$9.95/mo Buy’s What?

There are probably more ads for final expense insurance (burial insurance) than any other type of insurance advertising (except medicare advantage) on tv or by direct mail through postcards and flyers. Why? Probably because it is a very profitable niche for both the insurance companies and insurance agents. These ads appeal to the “moral nature”…

What is my Life Insurance Risk Classification?

Before requesting quotes for Term or Final Expense insurance, you should objectively classify yourself for risk similar to that used by the insurance companies. You know your medical history and current ailments. You know the medical history for immediate family. This process is not to disqualify yourself, but rather to obtain realistic quotes. In addition…

What is Life Insurance

Understanding Life Insurance Simply put, life insurance is a contract between an Insurance Company (the carrier) and You (the policy owner, normally the insured) in which the carrier agrees to pay a predetermined amount (the death benefit) to your selected beneficiaries upon your death, in return for your paying specified insurance premiums for the term…

How much Life insurance do I need?

Everybody has different needs. The amount of life insurance you need is based on your individual situation and will change during the course of your life. Basically it comes down to how much money your loved ones would need to remain on firm financial ground if you or your earnings were no longer in the…

What are your needs?

Needs Analysis is a review of your situation to determine needs and find solutions for those needs. Each person or family is different and there is no “standard” policy that meets everyone’s needs. Needs also change throughout the course of your life. When you are young and just starting a family and career, you might need…

Simple way to buy Term Life Insurance

Obtaining term life insurance is simple 1. Select your coverage Choose a policy that is right for you. Virtual Insurance Solutions offers a range of coverage options, with the best Insurance Companies, so we can personalize your coverage to fit your needs. 2. Make Application After you select your plan, you apply for coverage. Our application can…