Reader’s Question: At home in San Antonio Texas TX my wife and I discuss the future every now and then, and one time she suggested that I buy a $100,000 life insurance policy. Why $100,000 and not $75,000 or maybe $250,000, or even a million? I ask you now, how much life insurance should I [...]
Reader’s Question: Hi There! How are we to know if that certain person has had life insurance right before he or she died? Let’s say a person lives in San Antonio Texas TX and he or she doesn’t have relatives that live near them, and when they die and nobody makes a claim, can the [...]
Reader’s Question: I live in San Antonio Texas TX and I would like to know if I can get cheap life insurance in our area. What do I need to know? Stacey San Antonio, TX Buying life insurance is an easy way to protect your family in the event that you prematurely die. Just try [...]
Reader’s Question: I am a health buff and I always make sure I to the gym everyday and watch my diet carefully. I am an athlete in San Antonio, Texas TX so I hardly get sick and is always on the go. Can I find the cheapest life insurance policy there is if I have [...]
Reader’s Question: I want to buy life insurance here in San Antonio, Texas TX but I’m not sure if I fit the requirements. They say that life insurance have limits in terms of health conditions of the applicants, is this true? What are the cases when I won’t be qualified for life insurance in Texas? [...]
Reader Question When I die and my life insurance policy pays out to my family…how will that be taxed? Jenny, Canyon Lake, Texas I found this excerpt about your question Note: Under the current federal law, beginning in 2011, estates over $1 million will be subject to the federal estate tax with a maximum tax [...]
Reader Question Should I consider my life insurance policy an investment option like the stock market? Cherry, San Antonio Texas Hi there Cheryy, I would consider investments in the stock market are not a substitute for life insurance. Many Certified Financial Planner professionals recommend making sure adequate life insurance is in place before starting [...]
Reader Question: How are benefits graded in my life insurance policy? Sal, San Antonio Texas Hi Sal, Generally life insurance benefits are graded during the early years of the policy for death from natural causes, with the full amount paid if death occurs after the graded period or if the policy-holder dies accidentally at [...]
Do you really NEED life insurance, what does it cover, and how much do you really need? Life insurance is a way to help secure a family’s financial situation if the unthinkable happens. And though it may seem daunting, determining how much of a life insurance benefit is appropriate is relatively easy. Life insurance is [...]