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Common Life Insurance Myths Debunked


Like professionals in any line of work, those of us in the field of life insurance often hear from consumers who are misinformed about our industry. This is why we are devoting today’s post to the topic of common life insurance myths. Let’s take a closer look:

Why Your Family Needs Life Insurance Coverage Today!

why families need life insurance

A story recently featured in a North Carolina newspaper is a real life tale of every parent’s worst nightmare. Eighteen-year-old Leah Hilliard had just completed her senior year of high school. As she was closing one chapter in her life, Leah was busily planning her final weeks at home before heading off to Western Carolina University.

5 Life Insurance Tips for New Parents

tips for new parents

You’ve just begun a new chapter in your life as parents. With so much new-found responsibility, what steps can you take to protect your new bundle of joy? Let’s start with these simple life insurance tips:

Do You Really Need Life Insurance?

Do You Need Life Insurance

While all of us here at IntelliQuote would make the argument that almost everyone needs life insurance, we also understand that some have a greater need than others. In order to help determine if you are in need of coverage, we would like to pose a few questions:

Are You Eligible for Lower Life Insurance Premiums?

lower life insurance premiums

Here at IntelliQuote, we are committed to helping our clients secure the highest-rated life insurance at the most competitive rates available. Consumers often ask us how they can lower their life insurance premiums, a question we are always happy to answer. In short, the best way to lower life insurance premiums is to get healthy! However, this is a bit too vague of an answer for most folks. So in today’s post, we’re going to break it down a bit further. If you’re looking to lower your life insurance premiums, consider the following:

Term Life Insurance: Is It Right for You?

term life insurance right for you

If you are considering term life insurance, like any major purchase, it’s important to determine if it’s the right product for your needs. In today’s post, we’re going to take a closer look at the risks and benefits associated with term life insurance in order to help you make an educated buying decision.

Have You Insured Your Love?

Insure Your Love

Each year the folks at LIMRA remind us to “insure our love” with life insurance protection. This annual campaign serves as an opportunity for insurance professionals and industry organizations to shed light on the great need for life insurance protection. According to LIMRA, 85 percent of Americans agree “most people need life insurance,” yet millions are
uninsured or underinsured. This is why we’re reminding you in today’s post of the many reasons to insure your love.

Research from LIMRA tells us that 31 percent of adults would feel the financial impact of the loss of a primary wage earner within 30 days. Though it’s a tough situation to consider, ask yourself how your family’s financial situation would change if you, or your spouse, were to pass away. How long would your family be able to survive financially before making tough decisions such as selling the house or other assets? If your loved ones would face financial stress, now is the time to insure your love!

Single Parents And The Cost of Term Life Insurance

single parent

As a single parent, you have a full plate. From carpools to homework, it can be tough to think big picture when your daily schedule is so demanding. It is important, however, to take some time every once in a while, to plan for your future, as well as your children’s. A great place to start is with your life insurance needs.

Life Insurance Premiums: The Average Cost of Coverage

cost of life insurance

We often hear from consumers who are surprised to learn just how affordable life insurance premiums can be. In fact, the 2014 Insurance Barometer Study, recently released by nonprofit organizations LIMRA and Life Happens, found that most consumers grossly overestimate the average cost of life insurance.

Millennials & Term Life Insurance

millennials and life insurance

There is no doubt that the millennial generation is ahead of the curve in many ways. These young professionals, between the ages of 25 and 34, are shaping the modern world. In fact, some of the world’s most influential tech companies were founded by these savvy young entrepreneurs. However, though millennials may be taking the world by storm, there is one area in which they seem to be falling short – finances.

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