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One of the most powerful aspects of purchasing a life insurance policy is the ability of the insured to create an immediate estate, which is legally valid and recognizable in the court of law. The very act of the insured submitting a signed proposal form with payment of appropriate premiums forms a contract between the insured and the insurer. Read the rest of this entry »

As our financial situation changes through the stages of life, so does the need for life insurance. Once you have purchased life insurance, consider reviewing your policy in the event of major life changes, such as a marriage or divorce, additions to the family, purchase of a new house or paying off a mortgage. Make certain your protection continues to keep pace with your needs. At a minimum, you should have a professional review your circumstances at least every five years. Read the rest of this entry »