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An older couple sit on their couch and smile as they hold their grandchild. They can provide for their grandchild and other family members by educating themselves on the myths and misconceptions of life insurance. — On July 30, Life Happens, a nonprofit organization that encourages Americans to take personal financial responsibility by purchasing life insurance and related products, hosted a webinar for their pro members entitled “Improving Life Insurance Coverage for Black Americans – 5 Myths and Misconceptions.” Speakers Delvin Joyce and Kristen Hall Eskew […]

Insurance Myths and Misconceptions Webinar from Life Happens

August 15, 2020 in life tagged benefits of life insurance / life insurance / life insurance mistakes / life insurance myths / money by Macee Hall

Swabbing and testing all Americans for COVID-19 each year could become a normal routine. That, combined with antibody testing, have caused rates for COVID testing to skyrocket; they could cost a whopping $44 billion per year, according to a recent study. Diagnostic testing alone ranges from $6 – $25 billion […]

Rates for COVID Skyrocket

June 23, 2020 in life tagged life insurance / life insurane applications / long term care insurance / low-income by Jenny McCann

According to LIMRA, The Life Insurance Marketing & Research Association, though the economy has been unsettling the past few months the confidence in life insurance agents is at an all-time high. Comparing numbers to the October in 2008, only 9% of consumers had “extreme/quite a bit” of confidence in insurance […]

Confidence In Life Insurance Agents At a High During Pandemic

June 22, 2020 in life tagged life insurance / life insurance agent / life insurance applications / life insurance mistakes by Jadon Sennet

The coronavirus pandemic left over 40 million people unemployed. Even so, colleges and universities had almost 4 million graduates who were already expecting or simply looking for jobs after school. Many graduates were forced to postpone their start dates and others had canceled internships, but some were dropped from their […]

An Increase in Job Openings

June 13, 2020 in life tagged interest rates / life insurance / Loans / mortgage by Jenny McCann

ssa_office_closed — Four states have taken the initiative and passed laws stating protecting businesses from “civil liability” for COVID-related claims. One of the four states, North Carolina, provides immunity to many different “essential businesses,” such as grocery stores and restaurants. Oklahoma, Utah, and Wyoming, however, offer immunity to anyone and everyone who […]

Protecting Businesses from COVID Claims

June 12, 2020 in life tagged life insurance / Loans / long term care insurance / low-income by Jenny McCann

Life insurance ownership has fallen by 9% over the past decade according to the 2020 Insurance Barometer Study. There are many different reasons for the decline, most notably due to the decline in employer-paid group life insurance benefits over the past 10 years. This drop although sharp has not caused […]

Life Insurance Ownership has Fallen in 2020 But The Need Is ...

June 5, 2020 in life tagged life insurance / life insurance agent / life insurance terms / long term care insurance by Jadon Sennet

Life insurance for felons is a complicated topic. Felons are a much higher risk to insurance companies, and with more risk comes a much higher premium. There are some carriers and ways for felons to get life insurance. Here at Empower, we do have one solution for you. If […]

Can Felons Get Life Insurance?

April 16, 2020 in life tagged buying life insurance / denied life insurance / Guaranteed Issue Life Insurance / insurability / life insurance by Jenny McCann

Insurance companies have interesting ways to determine premiums. All of them use medical records to help determine your risk, while others actually have you undergo a medical test, including blood and urine tests. We get quite a few questions about life insurance and how carriers calculate the specific cost of […]

How Do Insurance Companies Determine Premiums?

April 15, 2020 in life tagged cost of life insurance / economics / life insurance / premiums by Jenny McCann

The world was devastated on January 26 following the death of NBA legend Kobe Bryant. Following his death, the world would mourn and remember how he impacted many lives. Remembering Bryant as a father, athlete, author, mentor, and entrepreneur are all positive thoughts in dark times. In life, he motivated […]

Life Insurance Policies on the Rise

March 28, 2020 in life tagged buying life insurance / life insurance / life insurance quotes / sports / will and testament by Jenny McCann

What is Single Premium Life Insurance? What is Single-Premium Life Insurance? According to Investopedia, this type of insurance charges the policyholder a single up-front premium payment to fully fund the policy. Single-Premium Life (SPL) Insurance can be a good option for those who want to pay a lump sum and […]

What is Single Premium Life Insurance?

March 26, 2020 in life tagged cost of life insurance / life insurance / single premium life insurance / whole life insurance by Jenny McCann