Life Insurance Learning Center

It has been said that, “Love is not so much a matter of romance as it is a matter of anxious concern for the well-being of one’s companion.”

While Valentine’s Day is perhaps the most romantic day of the year, filled with gifts of chocolates, flowers, and candlelight dinners, there is much more to love than simply romance. This is not to suggest that romance is not important; however, true love has an equal, if not greater, amount of care and concern.

Hence, while gifts such as flowers and chocolates certainly have their place, and can be an expression of love, the day to day caring and concern for each other creates the longest-lasting and most enduring expression of love.

While life insurance, in and of itself, does not seem romantic at all, the purchase of life insurance is an expression of enduring love—something that shows abiding concern for the well-being of your companion, children, or others you care about. It shows that you will continue to care for them, continue to love them, even if you are no longer physically present to do so.

How easy is it to apply for life insurance? A lot easier than you think. In fact, we have made it so easy that you can literally pull out your smartphone wherever you are, and get an instant price quote and apply online for life insurance in less than 10 minutes.

Our website is designed to work not only on a desktop or laptop computer, but also tablet computers and smartphones. Are you sitting in a waiting room at your doctor’s or dentist’s office? Apply for life insurance! Riding a bus to work? Apply for life insurance! Stuck in a boring meeting? Apply for life insurance! Out on a date with your spouse (and he or she is in the bathroom)? Apply for life insurance!

Finally, with a few spare minutes and a smartphone, you can get done what you have been meaning to do but never got around to. So, next time you have a couple extra minutes, pull out your smartphone and apply for life insurance!

Most of the applications that come through our website are for term life insurance. Of course, this is not surprising as term life insurance usually provides the most life insurance coverage for the lowest cost—which is a pretty important factor when purchasing life insurance.

However, there are times when a life insurance product other than term life insurance is needed or desired. Perhaps you are looking for life insurance that provides guaranteed lifetime coverage, or a policy that will return all of your money back if you don’t end up needing it by the end of the term period. Either way, we got you covered!

Did you know that in addition to term life insurance, we also offer return of premium term life insurance, where all of your paid premiums are returned to you at the end of the term, if the policy isn’t collected on? We also offer no-lapse universal life insurance, which guarantees life insurance coverage up until age 121, as long as the pre-established premium is paid. Additionally, both of these kinds of policies are offered by a number of our life insurance carriers for which you can run instant price quotes on our website, so you can see for yourself which company will give you the best deal. And, the application process is still entirely online (except for the complimentary mini-medical exam)!

So, whether you are looking for a standard term life insurance policy, a return of premium life insurance policy or a no-lapse universal life insurance policy, visit our website for an instant price quote and an online application process—no meeting with an agent is necessary!

This is life insurance…made easy.

With the New Year upon us, inevitably our minds turn to resolutions to accomplish certain goals. However, when we review what we want to accomplish in 2012 we may recognize that many of our goals were also on our 2011 New Year’s resolutions’ list. Nevertheless, a New Year gives us a new opportunity and a renewed commitment to finally get done what we want or need to do.

One of those tasks on your New Year’s resolutions’ list may be to finally follow through with getting life insurance. As the economy continues to suffer ill effects, so too may our family finances and sense of financial security. Why not take advantage of a New Year to create a greater sense of financial security for your family? Perhaps you have procrastinated purchasing life insurance in the past because the process is too complicated or the cost is too expensive. What you probably do not know is that life insurance prices are lower than ever before and the life insurance application process is easier than ever before.

At CEG Life Insurance Services we offer an online application process for numerous top life insurance companies to provide you low cost life insurance in a quick an easy way.

So, while you work on accomplishing the goals on your New Year’s resolutions’ list, check one off right away: complete an application for life insurance today—it may be the most important resolution you fulfill all year.

Life insurance? While a life insurance policy may not be the most exciting gift to open on Christmas morning, if something were to happen to you, it may end up being the most important Christmas gift you ever gave—and one which your spouse, children, or other loved ones will remember and be grateful for throughout the rest of their lives. In fact, think about what would happen if you were not around next Christmas; who would pay for gifts for your family then? Even more important, who would pay for their day-to-day expenses?

While a life insurance policy may look like nothing more than a small stack of papers bound together, with a bunch of numbers and legal gibberish, its true value is measured in peace of mind for yourself, while you are living, and in mortgage payments, food, cars, education, and yes, even Christmas presents, when you are gone.

So, if you are still wondering about what to get your family for Christmas, think life insurance.

Life insurance is not the easiest product to market. It is not like a popular drink, fast food restaurant, or new technology gadget. It is not an item that people look forward to purchasing or using. It is not a legal requirement (like auto insurance) or a commonly used benefit (like health insurance). In fact, once purchased, for the most part it goes unused and is nothing more than a collection of papers filed away in a drawer somewhere. Quite honestly, it is a product that is often begrudgingly purchased, and then only as a precaution against (what most people think is) an unlikely scenario (i.e., dying unexpectedly). Hence, how do you market a product that nobody is excited to buy and few people want to think about?

However, when life insurance as a product is viewed in the proper perspective, and is promoted for what it does do, and who it does benefit, a very good marketing campaign can be put together.

This is exactly what MassMutual has done with their new “Kids Take Charge” campaign; a very clever and amusing series of commercials that can help people understand what, and who, life insurance is really for—and does so in an upbeat and humorous way.

As a side note, while we do sell MassMutual’s life insurance policies, they are only one of many carriers that we work with; hence, this is not an endorsement of their company or policies over that of others. However, we do endorse and enjoy their commercials. Hope you enjoy them as well!

Of all the costumed visitors you may receive at your door this Halloween, perhaps none is more frightening than the thought of Death showing up. While each must answer that door when he comes, and it may be scary to do so, it can be even scarier for those you leave behind.

However, while it may not be easy to simply turn off the fear of Death’s arrival, it can be easy to turn off the fear of leaving loved ones behind untaken care of financially. The solution is simple: life insurance. No other financial instrument or investment can promise to return so much for such a small cost. Hence, when Death does show up at your door, whenever that is, at least you will be able to leave with peace of mind knowing that your family does not need to fear a loss of income, home, or financial security, due to your leaving with him.

So, this Halloween, make Death a little less scary, by financially protecting your family with life insurance.

Of course by cheap we mean low cost, not low quality. If you think about it, the cost to benefit ratio of life insurance can be enormously favorable, as the amount of money a buyer actually pays is very small compared to the financial benefit that can be collected—which occurs at a time when that benefit is needed the most.

Unfortunately, many people are hesitant to buy life insurance having the misguided thought that it is an expensive and unnecessary product which they will never use. Yet, in thinking this they are probably uninformed on two important matters: First, they likely don’t know how inexpensive a life insurance policy can be, and second, a life insurance policy really isn’t to “used” by them (although it does provide peace of mind)—rather it is to be “used” by the people they love.

To illustrate how little a life insurance policy can cost, here are 3 price quotes for a $1,000,000 (10-year term) individual policy—for a 30 year old, a 40 year old, and a 50 year old (using a “Preferred Plus” health rating):

30 year old = $24.94/monthly
40 year old = $31.06/monthly
50 year old = $80.06/monthly

However, even if you do not have great health, or are over 50 years old, life insurance policies are still very inexpensive—especially when you consider how much money your loved ones would receive, in comparison to the amount of money you actually pay. A couple dollars (or less) a day is a small price to pay for financial security and peace of mind!

Are you one of the 95 million U.S. adults who don’t own life insurance? Are you among the 50% of U.S. adults who recognize you do not have adequate life insurance coverage?

If you do not have life insurance, or do not have enough life insurance, is there a specific reason why? Do you have an alternative financial protection plan in the event of your death? Is it just something you haven’t gotten around to yet? Do you not want to meet with a “salesman”? Do you not like to think about death?

We hope the above graphic makes you aware of your own life insurance needs. Furthermore, perhaps by reflecting on some of the above questions you can overcome whatever obstacles that may be preventing you from getting an adequate amount of life insurance.

The irony is that while more adults are uninsured than ever before, life insurance has never been easier or less expensive to purchase. In less than 30 seconds you can get price quotes from numerous top life insurance companies, and in less than 10 minutes you can complete a life insurance application. Additionally, you can go through the process with or without an agent.

What is holding you back? Start the process right now to get the life insurance protection your loved ones need.

As the month of September rolls around each year, people start preparing for a number of “events”, such as the beginning of a new school year, the kickoff of the football season, and the upcoming holidays. However, the past few Septembers the insurance industry has been working hard to make people aware of something even more important that they should be prepared for: the financial security of their family or loved ones in the event of their death. It is with this cause in mind that September has been officially designated “Life Insurance Awareness Month.”

While death is certainly not something as fun to prepare for as school, football, or the holidays, your family’s financial security after you pass away is a major factor in allowing them to continue to enjoy those other “events”.

Unfortunately, though, even as “awareness” of the importance of life insurance increases, the actual percentage of people owning life insurance, or enough life insurance, has been decreasing. It has been reported that 7 out of 10 American households with children under 18 would not be able to meet expenses if the primary wage-earner died. That is a lot of children who could potentially go without sufficient financial support if one of their parents were to die. Are you among those 7 households?

As a member of the life insurance industry we are trying to do our part in raising “awareness” of the importance of life insurance this month (and every month). For this year’s campaign, we have created a unique electronic flyer that points out the above mentioned statistic, along with numerous other statistics on who has life insurance, how much they own (on average), who doesn’t have any life insurance, and who needs more life insurance.

We also offer our website’s services, which include life insurance price quotes in less than 30 seconds, an online application process that can be completed in about 10 minutes, life insurance policy reviews for those who already have a policy, company report cards that show the financial strength and stability of the numerous life insurance carriers, and a needs analysis calculator to help you know how much life insurance is the right amount for your family. And, all of these tools are self-service, allowing you to research and buy life insurance on your time, and at your convenience. Of course, our agents are also ready and willing to provide additional assistance upon request.

So, while you are sending kids off to school, watching football, or buying costumes or presents for the upcoming holidays, make sure you become “aware” of the importance of life insurance, and take a couple minutes to “insure” that your family will be able to continue to afford to enjoy these “events” next September—even if you are not around.