When Can Your Life Insurance Be Taxable?
Posted by Randy Jones Insurance Services
Many a times, taxes and insurance claims coincide. While many people misunderstand why their life insurance is taxable, others do not know when it should be taxed. This article addresses both categories of people and explores the circumstances under which life insurance can be taxable. Is life insurance taxable? The money paid for…
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What You Need to Know About Life Insurance for Diabetics
Posted by Randy Jones Insurance Services
The first fact you should be aware of is that diabetic life insurance does exist. Many people believe it is impossible to secure life insurance if you have diabetes. Though it is a scarce offer to come by, it is still possible. Usually, insurance companies would want to know whether you have Type…
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What are the Benefits of Having a Hybrid Life Insurance?
Posted by Randy Jones Insurance Services
Hybrid life insurance is for individuals who want more options than a standard life insurance policy offers. Simply put, hybrid life insurance is a policy that combines the benefits of standard life insurance policies with long-term care. It is a policy that allows elderly citizens to get the most out of their life…
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How to Keep Life Insurance Out of Your Estate?
Posted by Randy Jones Insurance Services
When an individual passes away, the life insurance policy is usually paid by the issuing company to the family through the beneficiary that has been chosen by the policy owner. In this article, we will answer an important question that most individuals research when deciding on an insurance policy and how it will…
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How Walking in Winter Season Can Benefit You
Posted by Randy Jones Insurance Services
Everyone knows the health benefits of walking. Walking in winter adds a few new benefits that many people don’t often think about. Cooler temperatures make for a brisk walk and when snow is added into the mix, it can provide you with a scenic view. For some people, walking is an exercise that…
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Here’s What You Must Know About Disability Insurance
Posted by Randy Jones Insurance Services
Not everyone believes they have a need for a disability insurance policy. The fact is, everyone needs a disability insurance policy of some type. Many people are under the impression that disability is often caused by accidents. It has been proven, however, that most such cases are caused by illness, not accidents. Understanding…
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Life Insurance for Freelancers- All You Need to Know
Posted by Randy Jones Insurance Services
Currently, more than 35% of the U.S. workforce consists of freelancers who contribute at least $1 trillion to the economy every year, as reported by Freelancers Union. Unfortunately, due to their inconsistent income, freelancers often face problems such as lack of access to affordable healthcare, lack of retirement planning, and insufficient savings. This…
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Questions You Must Ask While Buying Health Insurance
Posted by Randy Jones Insurance Services
According to the Centers for Medicare and Medicaid Services (CMS), the average annual cost of healthcare per person in America is at least $11,000. For most Americans, this is such a considerable amount, meaning it can potentially send you into financial turmoil, especially if you have no health insurance coverage. Luckily, health insurance…
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Quit Smoking and Save on Your Life Insurance
Posted by Randy Jones Insurance Services
Why you should quit smoking if you want to lower your life insurance rates. When you apply for life insurance, the insurance company will ask you several questions to establish your risk. One of the first things they will ask you is whether or not you smoke or use tobacco products. This is…
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Why You Should Increase Your Life Insurance Coverage After a Raise
Posted by Randy Jones Insurance Services
Getting a raise at work means it’s time to bump up your life insurance coverage. If you’ve just gotten a raise at work, then congratulations! With more money in your pocket, you probably have big plans for yourself and your family. Hopefully, one of these plans is bumping up your life insurance coverage. …
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