We Find the Best Rate on Life Insurance for You. Free Quotes! As Low As $13 Per Month.

We Find the Best Rate on Life Insurance for You. Free Quotes! As Low As $13 Per Month.

Three steps to buy a Life Insurance

Decisive steps before buying a Life Insurance 

Three steps to take into account when buying a Life Insurance 

Determine your need of a Life Insurance. 

*Decide the proper policy. 

*Keep you healthy. 

Determine why you need to buy a Life Insurance 

The first step refers to define the reasons why do you need a Life Insurance. Some people take their decision without thinking and what really matters is that you are aware enough of your decision. Remember that a Life Insurance not only insures your life but it insures your family as well and their well-fare Therefore, you should feel encouraged to take your best determination on this base.

Another important point to analyze is to determine which questions can the insurance company ask you because they can have influence in the benefits and alternatives of your policy and help you in the decision-making.
The questions can be:

Who are the beneficiaries, wife, sons or daughters, business partners?
What is your financial situation?
Which are the aims of having this coverage?

Call us to talk to a licensed professional or consider the possibility of buying your policy online. The most adequate option is to talk straight away with a professional agent online. Talking to a live agent you are more likely to end with the most accurate options faster and then you will be able to take your decisions as soon as possible.

If you choose to have an interview with an agent, he or she will know the changes you can face, and he/she will ask you about everything is indispensable for them to know. For example, you must gather all the important related to the different moments in your life such as your marriage, the beginning of the family, including when you would like to retire.
.All these questions and information will be helpful to determine benefits, needs and interests. 

Determine what is the ideal policy for you
Before choosing an insurance policy, you have to think about your ideal policy, or in other words, what kind of coverage you need.
You have to look for all the alternatives, either online or with the help of an agent as we have advised you before, all this effort will help you determine your Life Insurance and other financial needs.
Choose your insurance company remembering that they are specially trained for it. We advised not to buy through intermediaries or miscellaneous companies which provide multiple types of services. You can try the Internet or ask your family and friends, this altogether can help you to make the best decision.  

Besides, you have to determine what type of policy you need according to the moment of life you are going through, and this will help you to be more aware of your interests and possibilities. For instance, a Term Life Insurance will assure you a protection to a lower rate for a certain period o f time. 

On the other hand, if your financial condition is more solid and you are able to pay a little more, you can choose a Whole Life Insurance, which will allow you to pay a cheaper rate and would also let you keep this rate for the rest of your life, having even the option of applying for the policy amount of money in cash.

All this analysis will lead you to determine the different policies financial benefits and make you sure to have the correct coverage for every moment in your life. So you have to revise regularly the circumstances you are living and which are the products that can assure you a happy future, in company of your close family. 
Take Exercise and keep you healthy
It is important for you to exercise regularly and keep you fit; the healthier you are, the lower rate you will have to pay for your policy. You may save a lot of money if you have better health conditions, for example, smoking is extremely unfavorable because it can make your Insurance Life monthly policy premiums go up. 
Keep a healthy diet and exercise yourself
Your close affections do not lose you. It is essential to think about our fragile lives and the advantage of buying a Life Insurance and we perfectly know that nobody enjoys talking or considering these kinds of topics. Dying is a sad and boring matter, as an expert says, but you can go beyond those unexpected circumstances by keeping you healthy, postponing such an unpleasant moment for your family for later. You’d better go on paying your insurance policy instead that your family has to share out the dead benefit.

Yanet Rodriguez
blogger / insurance agent


Insurance Consumers Risks Evaluation

The Process of Risks Evaluation for Life Insurance


Autor: Christee Fontanez
(Consumer’s unpleasant and embarrassing situations to be evaluated for different types of Insurance)
At a certain moment in our lives we will apply for a Life Insurance, Health Insurance, Insurance for disability, Long Term Care. So we are going to be evaluated.
As a definition, risks evaluation is the process in which a big financial firm evaluate applicants of a Life Insurance to see if they are eligible to receive the benefits and policies they are applying for. 
For many people, this is a discouraging process. Based on the benefit and the type of Insurance we are applying for, the Insurance Company can access to our medical record, our traffic records, phone interviews , even sending us a paramedic to practice a blood test. In this article we are going to see several processes that you will come across when applying for a Life Insurance.

The application form
No matter what kind of policy you are applying for, you will have to answer a group of medical questions.

These questions can be related to any symptom you are feeling at present time as well as your whole medical record.
To make this process easier, and even for your own convenience, if you are in medical treatment, write on a piece of paper all the remedies and or pills you are taking, and what are they for, the doses you are taking, the frequency in which you are taking them, and also the name of the doctor who prescribed them for you. 
You have to mention if you have had any surgery in the last five years, or if you have any one planned in the future. It doesn't matte if it is a minor surgery, you will need all the information related to it anyways.
In this case, you write down on a piece of paper detailed information about the surgery , the date of each one , which the diagnosis was to justify the surgery, the doctor who performed it/ them, how long after the surgery you received medical treatment and how healthy you feel now.
The phone interview
The phone interview in not a big deal. Please be patient if an agent of the Insurance Company calls you again to ask about the same information you answered in your application form. Even when you have already answered all, people sometimes forget the process they had some years ago or forget to mention they were going to replace their work insurance with this new policy. 
The paramedic evaluation
For many people, this is probably the deal that makes them feel more nervous.
Depending on the kind of insurance you are applying for, the paramedic will make a cotton swab slide in your mouth to extract some blood from you, and then an electrocardiogram (in resting position).
Some practical advice to go through the different segments of the exam:
Cotton swab- You make sure that you have not had anything before the exam, and if you did it, do not forget to swill out your mouth. You must inform the nurse if you have a sickening reflux, but paramedics generally just let a cotton swab go along the inner part of your cheeks.
Urine test- The urine test can provide a lot of information such as the level of proteins, sugar, nicotine, certain type of infections, including HIV.
The best thing you can do to get better results is to have a glass of water half an hour before the paramedic arrives. You should not exceed this measure because you can feel uncomfortable. The paramedic will tell you the quantity of urine they will need but it is usually enough with just a little bit.
Another tip – if you have arranged an early appointment- is not only to drink a glass of water, but you also have to go to the bathroom first thing in the morning. During the night our bodies get ride of lots of toxins and contaminants so you will not want the paramedic takes a sample like this to the insurance company.
Blood test- blood test is becoming a more and more common process. Some companies required fasting if you have arranged an early morning appointment . If you need to eat something, you should have something light like strawberries, a glass of milk or orange juice, or something like this. Try to avoid eating pancakes or too much bacon for breakfast. 
Blood test are necessary to check up your cholesterol levels, kidney enzymes, blood cell count and other body normal functions as well as proof of infections. Most of the times they will require two tubes of blood from you. You must be patient. 
They are doing those test all the time and these processes are generally fast and painless.
Another tip- it is very usual that people are keeping different diets- especially at the beginning of the year and during the summer, which also coincides with the moment people apply for Life Insurance. 
Some diets can affect the levels of cholesterol or sugar. For example, if you are on low-carbohydrate diet, you are allowed to eat any type of fatty meat you want. In this case try to avoid eating food with high levels of grease at least 24 hours before the test. Choose low fat chicken or fish to avoid the trouble of having excess of fat circulating in your flood. Also tell them if you are following one of these diets so that if your cholesterol is a bit high, this result can be explained.
Electrocardiogram- This part of the exam is performed only when you are applying for a high insurance policy or you are older than certain limit age. We can assure it is painless. They will probably ask you to lie down on the floor or on a sofa.
Don't forget once you have made your appointment that perhaps you would probably not like lying down on the floor of your working place with your shirt undone. 
The paramedic will locate a series of sticky small pads connected through wires to different parts of your chest.
Man, if you have a lot of hair on it, the paramedic will probably have to shave that area. It will not cause you any more trouble than feeling slight itching when the hair starts growing again. 
This exam is carried out to listen to heart rhythm and beating, check any strange sound and know if your heart is working properly or if you are suffering from any heart pathology.
The only tip for this step is to keep calm and relaxed. Try to take deep relaxing breaths. If we are excited, the palpitations from our heart can suffer an alteration. Try not to panic because the test will be finished in a few minutes.
For many people, the risks evaluation process can turned out weird and intimidating. The aim of this article is to calm down your anxiety and help you to understand the process.
It doesn't matter of passing or failing your grade. It is just a simple snapshot of your present health condition so the company can determine the amount of life insurance you are finally going to qualify for. Good luck!

About the Author
After reassuring her position as a great saleswoman in the insurance industry through many years, Christee Fontanez changes the focus to Internet marketing and publicity. She combined both professions and at present times she helps consumers to find Insurance Agents.

For Resources call free to (407) 276-1593 or visit http://www.seguro-insurance.com

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The importance of a Life Insurance

The Importance of a Life Insurance

 When families decide to get a Life Insurance, this is frequently the process to experience a new and important event such as getting married, forming a family or buying a house.
In fact, there are several good reasons in favor of buying a Life Insurance policy. Most of us in our lives, can realize how much significant is to have a Life Insurance to reinforce the feeling of security in our lives.

Can you imagine the uncertainty of driving a vehicle along a free-way without having your car insurance? 

We all know that at any moment an accident may happen. However, if you have a car insurance, you are sure you will have your car fixed and your medical expenses paid. A Life Insurance works in the same way. So, you must assure that your family will not suffer the consequences of living without your economical support.

Risks Transference.

Since its creation, insurance has been a risks transference, avoiding this way the uncertainty of a possible loss. When you buy an insurance policy you will be making a plan to keep your family safe in case they lose your earnings as contribution to the family income

You want to be sure that in their future they will not have to change their lifestyle because of the privation of your income if your death occurs unexpectedly or prematurely. Then you can keep on traveling on the route of life, not feeling the anxiety of wondering what will happen to those who are relying on your economic support.

A tangible expression of love and worry

People has had feelings of painful regret and worry when they fall ill and they find out that their beloved family was not going to be financially protected after their premature death.

Most of the people really dislike the idea that others have to take responsibilities on the debts they had been contracting during their lives. An Insurance Life is a sensible solution because the product pays for the owed money, credit card debts for instance, leaving the family members in a better financial situation.

Do not blame yourself to know that insurance life is tax-free and it will give your family a tangible proof of your love and devotion.

Thinking about our own death is not pleasant at all, and some people avoid imagining their own demise, trying to keep these thoughts out of their minds.

For example, as W. Somerset Maugham said once:
Dying is a very sad and boring matter. And my tip is to have nothing to do with it.

In a way of trying to avoid it, people think they can delay the necessity of facing the fact that death is something that will happen to everyone of us. While our lives carry on, we keep on assuming new commitments, ignoring whether we will have a premature death or not.

On the other side while buying a Life Insurance , we are giving an example of responsibility and care to our family. They will have money for a wedding, the down payment for a house or funds to support child’s education. Think about it. A Life Insurance policy will give you the real capacity of influencing positively on your family future.

Adalberto Ravelo
Insurance Agent
Blogger-Consultor Internet- Marketing



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