About EQUOTE Life Insurance Services

Since 1998, EQUOTE has been providing our valued customers with the lowest cost affordable term life insurance products, including no medical and term life insurance from our California offices located in San Diego. We offer term life insurance quotes online, rates, and information with simple, straight talk. Now EQUOTE Life Insurance has added Annuities and Long Term Care Insurance plans to offer you more and better options to protect yourself and your family. After all, that is what insurance is for: Protection for yourself and your family. Terms of Life Insurance Term Life Insurance is the most popular type of life insurance today. As the name implies, term life is designed for a specific term (length of time)....

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It’s a Boy! (Now Buy Life Insurance)

You’ve just had your first baby boy. Or maybe it was a little girl. Either way, congratulations. You don’t need us to tell you that life is going to change, and change quickly. You’ve no doubt already become accustomed to the idea of sleepless nights, midnight feedings, dirty diapers, and all of that kind of stuff. But what you may not have thought about with the birth of your baby is term life insurance. But, you should. After all, there’s someone depending on you and your income now. If you haven’t already scheduled an appointment with your insurance agent, do so. You’ll want to adjust the amount of your term life insurance. And if you don’t have any life insurance yet, you’ll want to invest in some immediately. Think about it....

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Term Life Insurance

As the name implies, Term Life Insurance provides protection for a specific period of time and generally pays a benefit only if you die during the "term." Term periods typically range from one year to 30 years, with 20 years being the most common term. Advantages One of the biggest advantages of Term Life Insurance is its lower initial cost in comparison to permanent insurance. Why is it cheaper when initially purchased? Because with term insurance, you're generally just paying for the death benefit, the lump sum payment your beneficiaries will receive if you die during the term of the policy. With most permanent policies, your premiums help fund the death benefit and can accumulate cash value. Term life insurance is often a good...

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How Much Life Insurance Should I Buy?

“I’m worth more dead than I am alive.” Most of us who own term life insurance have probably said this a number of times. It’s enough to make the average life insurance agent wince. The fact is that the average life insurance agent knows that it simply isn’t t true. You’re likely worth a lot more alive than you are dead. And we’re not just talking about your sentimental and emotional value to your family. Don’t get us wrong; we know they’ll miss you, and you probably have a lot of intangible value to your family. If you don’t, we recommend family counseling, fast! Believe it or not, though, you have a great deal of financial value to your family. Even if you work in a mediocre job with relatively low pay and little future, the loss...

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Life Insurance Options for Kids

One of the questions we ran into a lot when we were working in the insurance business is, “Why should we put life insurance on our kids.” The answer, abrupt as it may sound, is quite simple: because they could die. Nobody wants to think about their children dying while they are young, of course, but it is possible. So, whether you cover them with term life insurance policies or permanent insurance, don’t neglect insuring your kids’ lives. How Much Life Insurance Do I Really Need for My Kids? Kids don’t come into the world with a lot of debt. That starts when they go to college. The only thing you really need to cover for your kids are their final expenses and enough money to allow you to grieve without reporting right back to work on...

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Should I Borrow Money from My Life Insurance?

We’re living in tough times right now. With unemployment hovering dangerously close to double digits and credit harder and harder to come by, many are wondering just what they’re going to do for extra cash, especially with the holiday season upon us. Some may be considering borrowing money from sources such as their cash value life insurance policies. Of course, those with term life insurance don’t have that option, but in most cases, it’s just as well. Generally speaking, it just isn’t a good idea to borrow money against your life insurance policy’s cash value, even if you are able to do so. Here’s why: You have to pay the money back. Even though it’s your cash value you’re borrowing against, you  like any other loan: with...

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Don’t Be a Sucker – How to Avoid Life Insurance Fraud

If there’s money involved, there are folks out there who will try to find a way to take it. It’s true in politics, in entertainment, in sports, and even in life insurance. While just about everyone can benefit from having a trem life insurance to give them peace of mind and protect their family, the fact is that there are people out there intent on stealing your money (and your peace of mind). Here are some things to remember during the process of buying life insurance that will help you to avoid getting ripped off: If something sounds too good to be true, it probably is. Don’t allow yourself to get sucked into a scam just because it’s attractive. Don’t ignore mail from your insurance company. Even if your agent tells...

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Medical Insurance News

India gained its independence from Britain in 1947. That same year the large Muslim population of the country separated from the Hindu dominated nation of India and created an Islamic state in the form of Pakistan. The formation of Pakistan lead to tension with the Hindu nation of India, and since 1947 the two countries have experienced frequent conflicts with each other, mainly over the disputed Kashmir territory. In 1971 eastern Pakistan severed all ties with Western Pakistan and became Bangladesh (a second predominantly Muslim nation in the Indian subcontinent). In 1998 both India and Pakistan announced that they had fully functional nuclear weapons programs; this has done little to ease the tensions between the two...

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About Medibank Life Insurance

Medibank Life Insurance can provide up to $1.5 million of cover, depending on your age at joining, to assist your loved ones if the worst was to happen and you were no longer there to support them. With Medibank Life Insurance, you’ll get a list of benefits to help you feel secure about your family’s future: Comprehensive cover up to $1.5 million Early payment for funeral expenses Terminal illness benefits Accidental injury benefits Flexibility with additional optional benefits Simple application with no medical or blood tests Guaranteed to be renewed for life 10% saving for Medibank Private Members Medibank Life Insurance is a flexible policy. You can just take out life cover, or you can add any of the following options in the one simple...

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Life Insurance Quotes

We can provide you with over 15 different Australian Life Insurance Companies prices and quotes at a click of a button. Simply use the form on the right hand side and click ‘submit’ and you will be able to compare lots of different prices. This will enable you to find the best quotation for your life insurance policy. Not only this, it will allow you to find the best deal on life insurance. Of course, to take out a policy you will need to speak to our friendly life insurance experts to go through the underwriting questions. Is life insurance expensive? Ask yourself, is paying a monthly premium for the peace of mind knowing that your family will be taken care of financially important to you? If you answer yes, then get yourself...

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Life Insurance Cover

There are several types of life Insurance cover available in Australia, the most popular Life Insurance policy is a ‘term life’ policy. This has replaced the ‘whole of life’ type policies. Typically a Term Life policy will cover you from the time you take out the policy until the age of 99. If you do make it to 99, your policy will cease. If you die before the age of 99 then your beneficiaries will receive a lump sum payout. To get cover for Life you will need to go through a series of underwriting questions and in most cases today, you do not always need to get a medical report from your doctor. Instead, you will be on a recorded phone call with one of our experts who will ask you a series of specific medical questions to see if...

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General Life Insurance

General Life Insurance is your typical Life Insurance policy in Australia. With General Life Insurance you will be required to go through a series of underwriting questions to see if you qualify for cover. With General Life Insurance you are not guaranteed to be covered, however, if you have a clean bill of health, you shouldn’t have any problems. You need to go through underwriting with General Life Insurance because of the large sums of money being offered as insurance. The better your health, the less risk you pose to the Life Insurance company, conversely, if you have had a health issue, you pose a greater risk to the insurance company and may not qualify, or have an additional loading added to your premium, making it more expensive...

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Pakistan Insurance

JS Group is the second-largest shareholder in the EFU Insurance Group, Pakistan’s largest insurance group. EFU Insurance Group was established in 1932 as the Eastern Federal Union Insurance Company and grew to become the largest life assurance company in Asia (ex-Japan) from 1961.  In 1972, the life assurance business was nationalised but EFU continued as a general insurance company.  Today, it is Pakistan’s second-largest general insurer.In 1992, the private sector was again permitted to carry out life assurance and EFU Life Assurance was launched by EFU General in conjunction with the JS Group.  Today, this company is the largest private sector life assurance company in Pakistan with a sales force of over 1,500 people...

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EXECUTIVE HOME INSURANCE

Do you need cover for High-value Buildings and Contents? EXECUTIVE HOME COVER FOR HIGH-VALUE BUILDINGS AND CONTENTSLegal & General introduces Executive Home Insurance provided by Sterling Insurance Company Ltd. Executive Home is tailor-made to provide you with bespoke cover for high-value buildings and/or contents. It enables us to offer cover for homeowners with higher than average sums insured or who have special insurance requirements. Executive Home Cover is a specialist household policy that automatically provides comprehensive protection It's been designed to help ensure that your property and contents are fully covered against most mishaps It provides quality all risks* cover as standard, plus you can tailor your quote...

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Auto Insurance

NC auto policies are issued with state-mandated industry-wide coverages.  **See policy for restrictions.1 Deductible Savings BenefitSM is not available in all states. In NY, drivers must pay a state-required minimum deductible before using this benefit.2 Subject to deductible and state availability. See policy for restrictions.3 Motorcycle insurance is not available in all states. Coverage features and discounts vary and may not be available in all states.4 Does not apply to leased, substitute, or non-owned autos. See policy for restrictions. Not available in all states, such as NC. Subject to deductible. Applies within the first 12 months, or first 15,000 miles of ownership, whichever comes first.5 Auto/Home Multi-policy Discount:...

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5 Life Insurance Questions You Should Ask

f you're in the market for life insurance, you might have been tempted by those ads claiming that "for just a few dollars a day, you can protect your family with $1 million in life insurance!" It sounds like a great deal, doesn't it? These ads typically refer to trem life insurance. As its name implies, term life insurance provides protection for a limited amount of time - or a specific "term" of years, such as 10, 20 or even 30 years. It's fairly simple; if you die while your policy is active, your family will receive a death benifit, but the many types of term insurance and options can be confusing. Is term life insurance likely to pay off for you? Start by asking yourself the following five questions. 1. What am I trying to accomplish?Before...

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How Is a Whole Life Insurance Premium Calculated?

A whole life insurance premium is the money paid to a life insurance company in exchange for the company’s promise to pay a set amount in accordance with the policyholder’s instructions, upon the death of the insured person. Many factors affect the amount of the premium, the most important of which are the age, gender, health and lifestyle of the insured. Other factors include the costs involved in selling and maintaining the policy, as well as establishing the savings component of the policy, called the cash value. The age, gender, health and lifestyle of the insured are taken into account by the insurance company, or carrier, when the application for insurance is first submitted. Based on the information provided, which the carrier...

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What is Life Insurance?

Life insurance is a form of insurance that pays monetary proceeds upon the death of the insured covered in the policy. Essentially, a life insurance police is a contract between the named insured and the insurance company wherein the insurance company agrees to pay an agreed upon sum of money to the insured's named  so long as the insured's premiums are currentPeople take out life insurance policies for a number of reasons. Such insurance provides security to family members upon the loss of a loved one. For instance, if the primary wage earner dies in his or her prime, the death benefit received from a life insurance policy will assist the surviving family members in overcoming the burden of the tragic loss. Life insurance...

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Postal Life Insurance

Postal Life Insurance is the oldest organization of its kind in the Subcontinent. Established by the British Raj in 1884, initially to assure the lives of postal mail runners, its services were gradually extended to other government employees as well. Nonetheless, its benefits were not available to general public until 1947. After independence Postal Life emerged as a key player in life insurance business and offered its services to every one.Postal Life Insurance is the brain child of Ministry of Finance. Pak Post serves as its agent. However Director General Pakistan Post is exclusively responsible for managing, organizing and controlling its operations and marketing...

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