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How much life insurance should an individual have?

4/25/2016

1 Comment

 
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Rough "rules of thumb" suggest an amount of life insurance equal to 10 to 12 times annual earnings.


​However, many factors should be taken into account in determining a more precise estimate of the amount of life insurance needed.

It is recommended that a person's insurance advisor be contacted for a precise calculation of how much life insurance is needed. 

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Can an existing life insurance policy be used to repay an outstanding mortgage loan?

3/21/2016

0 Comments

 
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Yes, the purchase of a new mortgage protection term insurance policy is usually not required by the lender.

An existing policy, either term or cash-value life insurance can be used for many purposes, including paying off an outstanding mortgage loan balance in the event of the insured's death.

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How does mortgage protection term insurance differ from other types of term life insurance?

2/19/2016

3 Comments

 
The face amount under mortgage protection term insurance decreases over time, consistent with the projected annual decreases in the outstanding balance of a mortgage loan.
mortgage protection

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What's the difference between "term" and "whole" life insurance?

2/15/2016

4 Comments

 
We had a question posted on our Facebook page asking the following question; What's the difference between "term" and "whole" life insurance, what's the best at what age, and how do you convert? We turned to our own Bill Zimmer for insights on these questions, here's what he said. 
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  • Home
    • News
  • Contact
    • Client Testimonials
  • About
    • Our team >
      • Christi Whalen
      • Deb Peters
      • William T. Zimmer
      • Greg Zimmer
      • Dave Hinkley
      • Carla Stauffer
      • Alex Zimmer
      • Jodi Newman-Schliefert
      • Betty Piper
      • Shauna Randall
      • Kyliane Neemann
      • Lindy Kurtzer
    • Our Partners
  • Services
    • Personal Insurance >
      • Auto Insurance
      • Motorcycle Insurance
      • Homeowners Insurance
      • Renters/Condo Insurance
      • Personal Watercraft
      • Umbrella Insurance
    • Commercial Insurance >
      • Property Insurance
      • Business General Liability
      • Business Auto
      • Worker's Compensation
    • Life Insurance
    • Health Insurance
    • Retirement Plans >
      • IRA's
      • Annuities
      • 401(k)
      • Long-term Care
    • Group Insurance
  • Payments/Claims
  • Blog
  • Insurance 101
  • Legal Statements
  • Holiday Closing Schedule