Tag Archives: insurance

The Cost of Protection v. the Cost of Non-protection

I was talking to a couple recently about life insurance.  They didn’t think that they could afford to buy any.  Now it’s true that some people simply can’t afford any extra expenses, no matter how small.  But most employed people … Continue reading

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Deductibles v. Premiums

A lot of people don’t think much about the effect that a deductible has on the premium.  Life insurance doesn’t have any deductibles, but most other types of insurance do. For instance, a 30-year-old woman with a $1,000 deductible on … Continue reading

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Annuity Basics

A lot of insurance companies sell more than just insurance.  Many life insurance companies also sell annuities.  A lot of people have heard of annuities without really knowing what they are. In the simplest terms, an annuity is like a … Continue reading

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Reasons for Life Insurance

There are several schools of thought about life insurance. The best thing ever. Good but not necessary. Useful for some people but not others. Take it or leave it. A total rip-off. Don’t know anything about it, and don’t want … Continue reading

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Free Quote Websites

Probably most people have run across websites or ads for websites that offer free quotes for either life insurance or health insurance.  Now those websites do have a useful purpose (sometimes).  They can give some people a sense of what … Continue reading

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The Philosophy of Health Insurance

A lot of people don’t understand the real purpose of health insurance or how it should be used.  Many want both the lowest possible copay and the lowest premium.  From there it tends to be a fairly short journey into … Continue reading

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Why I Became an Insurance Agent

There are several reasons why I decided to sell insurance.  If you asked me why more than once, you might get a different answer each time, depending on which reason I happened to think of first at any given moment.  … Continue reading

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