Death insurance is a fancy term for a very low level of life insurance. Very low—usually around $10,000 or so.

Policies are designed to cover the cost of final expenses and little else. That’s why death insurance is also called burial insurance or funeral insurance.

If your home is paid-off and your children are financially independent, you probably don’t need anything more than a low level of coverage. After all, you don’t want your children to get stuck paying for your funeral, do you?

If someone relies on your income, though, life insurance should receive strong consideration, because death insurance won’t go very far.

The good news is that life insurance doesn’t cost much—about $30 a month or so for a healthy 40-year-old seeking $500,000 in coverage.

World AIDS Day is the 30th anniversary of the first diagnosis of HIV/AIDS, and 30 years later we are still battling the epidemic.

The virus has infected about 60 million people worldwide and more than 33 million people are currently living with the virus. However, people infected with HIV are living longer and have assets and families to protect, which is why life insurance plays such an important role in their lives.

“Mr. Obama acknowledged that while the rate of infection has declined elsewhere, in the United States it has remained steady, disproportionately hitting the young, African-Americans and Hispanics.

‘This fight is not over — not for the 1.2 million Americans who are living with H.I.V. right now, not for the Americans who are infected every day’ or their families, Mr. Obama said. And, he added, ‘It certainly isn’t over for your president.”’ Obama Says He Will Seek More Money for AIDS Programs

There are limited life insurance options for individuals with HIV. Guaranteed Issue Life Insurance is the main life insurance product available to individuals with the HIV virus. With guaranteed life insurance there are NO medical questions, NO medical examinations, and NO medical tests. A person cannot be turned down unless they live in a hospital or long-term care facility.

• You cannot be turned down, It is intended for individuals whose health problems prevent them obtaining ordinary life insurance coverage.
• No underwriting, process can be completed in less than 15 minutes.
• No medical examination.
• Guaranteed issue may be either term or permanent life insurance.

Click here to compare no-exam life insurance quotes instantly: No-Exam Life Insurance Quotes

Or call us at 1-800-823-4852 for your confidential analysis

The retirement landscape is changing now more than ever before.  In a recent survey of 2,500 American workers between the ages of 45 and 60, 61% they feared outliving their income. With the demise of employer sponsored pensions and the ever-present uncertainty of Social Security benefits, the part of retirement that is shouldering more of a burden is personal savings.  As it has always been, an Annuity is the only financial tool in the American marketplace that is able to guarantee income for as long as someone lives.

Annuities are financial products that create a pension for your retirement. You make one or more payments now, and in return, you get an income stream in the future. The standard annuity pays a lifetime pension. When clients purchase an annuity, it can help provide security and some peace of mind knowing that they are taking a very important step in planning their retirement and guaranteeing that they will never outlive their income.

In order to provide customers with the best rates, products, and services for their financial needs, http://www.wholesaleinsurance.net has added an Annuities resource section to the life insurance website. Users can now learn about annuities, compare the different types, and even obtain annuity quotes directly from the site.

For more information about the Wholesale Insurance Annuity addition, visit: http://www.wholesaleinsurance.net/blog/press-releases/annuity

September is Life Insurance Awareness Month: Don’t Leave your Family’s Future to Chance

PRLog (Press Release) - Aug 26, 2011 – Roseville, CA – You may be feeling less financially secure than before the Great Recession began. Your retirement accounts may have rebounded, but your savings have dwindled. You may have found a new job, but at a lower salary. Some days you might feel like it’s all you can do to put food on the table and keep a roof over your head.

Lamar Odom - 2011 LIAM spokesperson

Did you know,

• The proportion of U.S. adults with life insurance protection has declined to an all-time low as 41 percent (95 million) of U.S. adults have no life insurance at all.
• Both men and women are less likely to own life insurance today than they were in 2004—only 61 percent of men and 57 percent of women have some sort of life insurance coverage.
• The likelihood of being without life insurance has dramatically increased for every age group since 2004.

MetLife to Sell Banking Unit to Avoid ‘Too Big Too Fail’ Regulation

via www.insurancejournal.com

MetLife, the largest life insurance company in the United States, has put its banking operations up for sale to avoid the “too big to fail” regulatory scrutiny that analysts have said was likely.

MetLife said Thursday it may sell MetLife Bank’s depository business, which includes savings and money market accounts. The company said it will still write home mortgages; life insurers tend to like mortgages as part of a diversified investment portfolio.

MetLife has hired Deutsche Bank, which ran the recent sale process for larger online bank ING Direct USA, to handle the sale. One industry source said many of the companies that lost out on ING Direct may look at MetLife Bank, among them Ally Financial and CIT Group.

DENVER, June 14, 2011 /PRNewswire/ – Life Insurance Selling, a Summit Business Media publication, announces the top-performing print advertisements highlighted in a Baxter Research Center, Inc. advertising effectiveness survey of the March 2011 issue.

The Baxter Research ad study measures the overall effectiveness of ads among readers, then reports an ad’s performance in the context of three essential steps to the brand building experience: exposure, engagement, and involvement. The research tracks ad effectiveness in two ways: “recall seeing” and “read some.” (Links to the actual ads of the top performers are linked to their names below.)

An ad’s “recall seeing” score shows the ability of an ad to attract the reader’s attention and indicates that the reader had been exposed to an item by either seeing it or reading it. The following companies received the highest recall “seeing” scores:

• Ohio National Financial Services
• Prudential
• Allianz
• American General
• American Equity Investment
• The Standard

An ad’s “read some” score indicates the percentage of “recall seeing” readers, who after seeing the item, were engaged enough to be led into the copy by the headline, layout or subject material. These ads effectively engaged Life Insurance Selling readers after capturing their initial attention. The following companies received the highest recall “starting to read” scores:

• Sales Art Media
• Prudential
• Allianz
• Ohio National Financial Services
• American General

“Life Insurance Selling continues to provide our advertisers in the life & health insurance market valuable feedback from Baxter Research Center on the effectiveness of their advertising campaigns as a value added service,” said John K. Moore, publisher of Life Insurance Selling. “These ad study results help our partners understand if their advertising message captures the attention of producers and if it resonates in the producer market.”

Baxter Research Center, Inc. (BRC) is a global marketing information firm supporting the world’s most successful business-to-business media brands and professional journals, and is a leading provider of independent, mixed media audience analytics. BRC’s audience metrics guide, optimize and inspire ad-campaign effectiveness in print, digital and online media.

About Life Insurance Selling

Life Insurance Selling is written for the comprehensive producer who offers multiple product lines to clients while focusing on the life insurance product market. Life Insurance Selling offers in-depth, field-tested sales strategies directly from industry producers who provide selling insight and best practices to readers. Life Insurance Selling focuses on innovative and practical sales tools and product information designed to help the producer educate their clients and build their book of business, across a multi-generational client base.

About Summit Business Media

Summit Business Media is the leading B2B media and information company serving the insurance, financial services, legal and investment advisory markets. Summit strives to be “The Next Generation of Business Information” for executives and practitioners by providing breaking news and analysis, in-depth practice management strategies, business-building techniques and actionable data. Summit services the information needs of its customers through numerous channels, including digital, print, and live events. Summit publishes 16 magazines and 150 reference titles, operates 20 websites and hosts a dozen conferences, including the world’s largest mining investment conference in South Africa. Summit’s Data division provides financial data on 6,000 insurance companies and detail on nearly one million health and benefits plans in the U.S.

Summit employs 400 employees in eleven offices across the United States.  For more information, please visitsummitbusinessmedia.com.

Available Topic Expert(s): For information on the listed expert(s), click appropriate link.

John Moore: http://www.profnetconnect.com/johnmoore

SOURCE Life Insurance Selling

For most life insurance policies, yes, your rate is guaranteed from the moment your coverage starts. That is to say, you know exactly how much every premium payment is going to cost you, from the start to the finish of your policy. In fact, for most policies, your rate is fixed, meaning that all your premium payments are going to be equal in amount.

For a comparison of term, whole, and universal life insurance, see www.wholesaleinsurance.net/life-insurance/types