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life insurance FAQ


There are two types of Insurance; Permanent and Term.

Permanent Polcies remain at the same monthly cost for the rest of your life.

Term policies remain fixed for a set number of years. After the set number of years the policy


Look for term insurance not whole life - a much better value for your money - you want death protection not investment out of insurance - invest in investment programs (401 - Roth IRA ETC) not life insurance - only purchase term insurance to cover the


There is no difference. Someone is going to pay the premiums to get you covered, either you or your spouse. You will be subjected to medical exam and be asked some health questions to find out what your rate is.

If the life insurance company


YEs, you can not get one on yourself, that would be legally strange. Have your wife getting one on your name and do tha same for her.


The following site will give you a free side by side comparison quote of the best companies. It is free and easy and then you can make an informed decision

life insurance news

Guardian Life Awards 2012 President's Cup to Wealth Strategies Group, LLC

18.05.12

NEW YORK, Mar 19, 2012 (BUSINESS WIRE) -- The Guardian Life Insurance Company of America (Guardian), one of the largest mutual life insurers and a leading provider of employee benefits, today announced that Denver, CO-based Wealth Strategies Group, LLC won the company’s coveted President’s Cup, which Guardian presents annually to the top-performing agency within its network of more than 80 national general agencies.

The President’s Cup recognizes excellence in sales, recruiting, and the development of talented financial representatives. Wealth Strategies Group, LLC earned the top award by increasing its 2011 life insurance premium by 13 percent and adding 16 new financial representatives to its ranks.

Wealth Strategies Group, LLC is a leading financial services agency that has served Colorado’s Denver and Colorado Springs communities, as well as Southern Nevada for more than 25 years, providing insurance, retirement, and investment advice to individuals, families, and business owners.


Source: MarketWatch (press release)