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Home > Blog > First Independent - Descamps Insurance Agency Blog: life insurance
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First Independent - Descamps Insurance Agency Blog: life insurance

View the latest blog posts from First Independent - Descamps Insurance Agency.

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Wednesday, February 6, 2019

How to Estimate Life Insurance Needs at Age 60

As you get older, you may not see life insurance as a necessary investment. Yet, imagine what may happen after you die. Do your loved ones stand to inherit a lot of debt? Perhaps they will pay out of pocket for your end-of-life expenses. It is possible today that you will live for 30 or more years. READ MORE >>

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Tuesday, October 9, 2018

Critical Factors Determining Your Life Insurance Rate

Like all insurance policies, your life insurance rate depends on risks. Those who have higher risks of sudden deaths almost always pay more for their coverage. A lot of different factors might impact that risk and your costs. What are some of these? Can you control any of these factors? READ MORE >>

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Tuesday, June 5, 2018

How to Estimate Life Insurance Costs After 50

Should you purchase life insurance after the age of 50? You may know there is real value in buying life insurance. You may also recognize that buying it at a younger age helps you save money. However, it is still possible – and still a good idea – to do so at 50. Consider your goals for it. READ MORE >>

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Monday, February 5, 2018

Why Life Insurance Is Better Than Putting Money Into a Savings Account

Saving money is always an important step in creating financial security. Most people should have some money in their savings account. It can provide financial protection if you lose your job or face an emergency situation.  Yet, you also need to think long-term. READ MORE >>

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Tuesday, September 19, 2017

Life Insurance Beyond 60: What You Need

Some people wonder why life insurance is necessary at age 60 and beyond. After all, this is the time in life when one retires. The peak earning years might have passed. The children are all grown up. So, what is the purpose of having life insurance after 60? Let's take a look at the life insurance options for those age 60 and beyond. READ MORE >>

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Wednesday, April 19, 2017

The Benefits of a Paid-Up Life Insurance Policy

If you are planning to buy life insurance, your agent likely reviewed a lot of policies with you. With so many options, it can be tough to tell which one is right for you. If you are a newbie to insurance and you simply want coverage right now, you may be in luck. READ MORE >>

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Friday, November 18, 2016

3 Events That May Affect Your Life Insurance Policy

As important as it may be, many people forget to review their life insurance each year. However, the consequences of failing to review your policy are severe. Without an annual review, you could be underinsured or your former spouse could still be your beneficiary. READ MORE >>

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Tuesday, June 28, 2016

How Term Life Insurance Correlates to Buying a House

One of the biggest investments you will likely make in your lifetime is your home. Before you purchased your home, you took deliberate measures to ensure that you could afford your home. You saved for years for a down payment; you protected your credit to ensure your interest rate was low; you purchased homeowner’s insurance to ensure the structure and contents were protected. READ MORE >>

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Friday, January 22, 2016

Estimating Life Insurance Needs

When selecting a life insurance policy, it's important to look at the facts. It's not easy to take the time to do so, but a few minutes invested now can help you ensure that your loved ones are well cared for if the worst occurs. One of the key decisions you will need to make is about the amount of coverage that’s ideal for your family. READ MORE >>

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Friday, August 7, 2015

When to Buy Life Insurance

Financial planning is critical to being successful in life, yet it can be challenging for many people. Life insurance, a major component of financial planning, often confuses even the most experienced financial planners. READ MORE >>

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