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The Intelligent Life Blog

Helping millions of Americans become educated
in making intelligent decisions around their life needs

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Key Person Life Insurance: Why a Company Might Purchase a Policy in an Employee’s Name

Sep 2, 2014 10:00:00 AM

A story in the New York Times recently addressed the topic of key person life insurance. How would you expect employees to react if asked to consent to an employer taking out a life insurance policy in their name? Employees at an Orange County newspaper recently received a request from their employer to do just that. While many of the employees were taken aback, those of us in the life insurance industry are very familiar with this practice.

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The Key to Managing Your Finances Post-Retirement

Aug 20, 2014 9:14:00 AM

Reaching retirement is a goal most professionals dream of throughout their career. It requires sound strategy to step into your golden years relaxed and free of financial worry, however the planning does not stop there. Continuing to exercise discipline post-retirement is essential. In fact, in Northwestern Mutual’s 2014 Planning and Progress Study, of retirees who reported being happy in retirement, 91% described themselves as being “highly disciplined.”

Exercising Discipline Post-Retirement

Regardless of age or income level at retirement, the key to enjoying your golden years is exercising discipline. By living within your means and planning accordingly, you can set the stage for a relaxed and happy retirement.

Here at IntelliQuote, we often assist those planning for retirement, as well as those managing their finances post-retirement. Life insurance can provide the financial safety net one needs to cover gaps in retirement savings. In fact, we often work with couples who depend on a single-pension post-retirement. A life insurance benefit can replace that income should the spouse collecting the pension pass away first.

If you’re currently in the process of planning for retirement, or you’re working to better manage your finances post retirement, we encourage you to request a life insurance quote. You may be surprised to learn how affordable life insurance premiums can be. As one of the nation’s largest and most respected online life insurance agencies, we’re prepared to answer your questions and help you compare life insurance premiums. Let’s get started today!

Would you like to receive more tips and advice about managing your finances in retirement? Follow our blog! Here we address the topics that impact your finances today and for years to come. While there, be sure and read these recent related posts:

Are You Eligible for Lower Life Insurance Premiums?

Life Insurance Premiums: The Average Cost of Coverage 

                   

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Why Life Insurance is Essential: A Young Mother's Story

Aug 12, 2014 10:22:00 AM

As life insurance professionals, we often speak of hypothetical situations. When we come across a real life example of life insurance at work, we are always eager to share the details with interested consumers. In today’s post we will be sharing one mother’s heartbreaking, yet encouraging, story. By making a very mature decision, at a young age, she insured her son’s bright future.

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Why Your Family Needs Life Insurance Coverage Today!

Jul 24, 2014 10:18:00 PM

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.

Just one day after high school graduation, Leah’s father died of a sudden, massive heart attack at the age of 39. In an instant, Hillary and her mother lost everything; Mr. Hilliard had no life insurance. In a terrible twist to the story, Mr. Hilliard had just begun a new job and was scheduled to qualify for employee benefits in a mere two weeks. Suddenly, with no income to depend on, Leah and her mother found themselves scrambling to raise funds to cover final expenses.

Why You Need Life Insurance Today

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5 Life Insurance Tips for New Parents

Jul 18, 2014 1:49:00 AM

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:

1. Understand Your Options

Before you begin shopping around or comparing life insurance products, it is up to you to first understand your basic options. There are two types of life insurance: term and permanent. Term life insurance is typically more affordable and provides coverage for a given amount of time. Permanent life insurance is designed to provide coverage throughout your lifetime and can also serve as an investment tool. To learn more about the risks and benefits of each, be sure and read this complete blog post on the topic.

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Have You Insured Your Love?

Jul 3, 2014 7:48:00 AM

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.

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Life Insurance Premiums: The Average Cost of Coverage

Jun 26, 2014 8:02:00 AM

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.

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Millennials & Term Life Insurance

Jun 23, 2014 7:28:00 AM

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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