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Life Insurance Providers Henderson NV

Life insurance is a type of insurance in which an insurer agrees to pay out a sum of money when the insured dies. This money goes to your beneficiaries who are predetermined by you. Beneficiaries tend to be the individuals who depended on the income you do/will generate. The younger you are when you get life insurance the cheaper the insurance premiums are and sometimes you can even lock in rates. Please scroll down for more information and access to the life insurance agents in Henderson, NV listed below that can explain more.

Mr. Ronald C. Rollo (RFC®), CLU
(702) 382-4961
2505 Anthem Village Dr.
Henderson, NV
Company
Rollo, Hodgman & Associates
Qualifications
Education: S
Years of Experience: 47
Membership
IARFC
Services
Invoice, Estate Planning, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, BuySell

Data Provided By:
John A Cerio Insurance Broker
(702) 682-5534
53 Pheasant Ridge Dr
Henderson, NV
 
Insurance Services of Green Valley, Inc.-Randy Pazik
(702) 435-8610
305 N Pecos Rd Ste C
Henderson, NV
 
New York Life Insurance Company-Mark Forsstrom
(702) 796-2008
2431 W Horizon Ridge Pkwy Ste 100
Henderson, NV
 
American Family Insurance-Jack Walton
(702) 733-5820
6775 Edmond St Ste 300
Las Vegas, NV
 
Corey Zimet
10620 So. Highlands Pkwy
LAs Vegas, NV
Company
Company: CBZ Retirement Solutions,LLC
Service
Asset Protection Strategies & Planning,Individual Income Tax Planning,High Yield Bank Accounts,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Health Care Insurance,Retirement Planning,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Business Income Tax Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Annuity Ideas & Strategy Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Pla

Data Provided By:
American National Insurance Company-Staci Robinson
(702) 643-7783
1510 W Horizon Ridge Pkwy
Henderson, NV
 
Joann S Zwagerman, Professional Corp
(702) 306-7500
PO Box 531482
Henderson, NV
 
MetLife-Shena Orellana
(702) 731-0257
6795 Edmond St Ste 110
Las Vegas, NV
 
American Family Insurance-Michele Weith
(702) 733-5820
6775 Edmond St Ste 300
Las Vegas, NV
 
Data Provided By:

Understanding Life Insurance

By Joan Mitchell

When your employer breaks out the big box o’ benefits, you may be surprised to see that life insurance is on the table. If you’re like me, you probably thought that life insurance was only for wealthy fat cats and rednecks who want to fake their own death, collect on their policy, and escape to Mexico with their wife (who’s also their aunt). But while the vast majority of recent grads might think that they don’t need a life insurance policy, it’s not a completely cut-and-dry issue. Life insurance—like all insurance—can get pretty complicated, but we’ll try to cut straight to the chase: What is life insurance and what are the pros and cons for a twentysomething?

What Is Life Insurance

Simply put, life insurance is a type of insurance in which an insurer (e.g., State Farm) agrees to pay out a sum of money when the insured (e.g., you) dies. This money goes your beneficiaries who are predetermined by you. Beneficiaries tend to be the individuals who depended on the income you do/will generate. Long story short: if you are worried that if you die unexpectedly that any of your loved ones will be worse off financially, you should consider purchasing life insurance.

If your employer is serving you a policy on a silver platter (i.e., no extra monthly/yearly fees attached), then you should certainly jump on it. Even if they ask for you to slightly subsidize it (e.g., $10/month), still opt in. However, even if that small subsidy is too large for your current economic situation or your company isn't providing you with health insurance (and you're on your own), we ask that you still read on and consider acquiring a life insurance policy.

Deciding Whether or Not You Want Life Insurance

From a recent grad’s perspective, the pros and cons of purchasing life insurance are relatively straight-forward.

Reasons You Might Want Life Insurance

  • To take care of your spouse/kids/parents. If you have kids or you’re married and your spouse would be severely hurt financially by your passing, you need to look into life insurance, which will provide them with cash when you die. This should help soften the economic blow of your passing. Note: Even if you're single, your beneficiary could be your mom, granddad, sister, etc.
  • To Ensure Your “Insurability.” The people who underwrite insurance policies take into account a vast range of variables when calculating premium rates and determining your “insurability”—basically, how much of a risk the insurance company is taking on by insuring you. So if you have cancer or you’re a professional stuntman, you’re far less insurable than a healthy 23-year-old who works in advertising. Thus, most recent grads are highly insurable. This means two things: (1) you can pay relatively low premiums, and (2) getting life insurance now guarantees that the provider must continue to insure you as long as you keep up with your annual premium payments.
  • To Leave a Clean Slate. Morbid...

Click here to read the rest of this article from Gradspot.com

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