There are several life insurance companies that are selling their coverage on-line. You can open a web page and apply directly with the insurer. To many there is the perception that they are saving money through this approach by cutting out the agent’s commission, but in reality it appears that rates of on-line insurance are very [...]

I get a lot of calls from people who have been denied an accidental death insurance claim. Accidental death insurance is life insurance with a lot of restrictions. The primary restriction of this life insurance is that the person must die from an accident. But what most people do not know is that there are [...]

A client’s spouse recently died of an accident while living in a foreign country. This person was insured under an employer sponsored accidental death policy. This person was in his 50′s and had no issues with health. Accidentally falling down, this person hit their head and died within hours. Because of the circumstances of the [...]