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Life Insurance Providers Montevallo AL

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 Montevallo, AL listed below that can explain more.

Lawrence Wall
2153 Riverchase Office Rd
Birmingham, AL
Company
Title: Investment Advisor Representative
Company: NEXT Financial Group, Inc.
Type
Investment Advisor Rep: Yes
Education
Mississippi State University, B. S.
Years Experience
Years Experience: 24
Service
Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Hourly Financial Planning Engagements,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Disability Insurance,Retirement Planning,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances &

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P S F
(205) 451-3279
413 Dogwood Cove
Alabaster, AL
 
Dale Hansen
Two Chase Corporate Drive
Hoover, AL
Company
Title: Managing Partner & Senior Investment Advisor
Company: The Mutual Fund Store
Type
Registered Investor: Yes
Education
Texas Wesleyan University
BBA-Marketing/Finance
Years Experience
Years Experience: 20
Service
Fee Only Portfolio Management,401k Rollover From Employer,CD Alternative,Investment & Portfolio Management,Retirement Income Accumulation Planning,Wealth Engineering,Income for Life/ Preserve Principal,Retirement Planning,Retirement Income Distribution Planning,Portfolio Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,Wealth Management,Investment Consulting & Allocation Design,Asset Protection Strategies & Planning

Data Provided By:
Lawrence Wall
2153 Riverchase Office Rd
Birmingham, AL
Company
Title: Investment Advisor Representative
Company: NEXT Financial Group, Inc.
Type
Investment Advisor Rep: Yes
Education
Mississippi State University, B. S.
Years Experience
Years Experience: 24
Service
Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Hourly Financial Planning Engagements,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Disability Insurance,Retirement Planning,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances &

Data Provided By:
Mr. Larry C. Ransburgh (RFC®), MBA
(334) 230-6347
3025 Brevard Ave
Montgomery, AL
Qualifications
Education: MBA - FinanceBS - Business EconomicsCertificate in Financial Planning - Kaplan UniversitySeries 6, 7, 66Life and Health Insurance
Years of Experience: 12
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Planning, Tax Returns, Employee Benefits, Family Offices, Stocks and Bonds, Mutual Funds, Mortgage Loans, CommOptions, Precious Metals, CD Banking, Life Insurance, Charitable Planning, Education Plan, Charitable Foundations, BuySell, Compensation Plans

Data Provided By:
Dale Hansen
Two Chase Corporate Drive
Hoover, AL
Company
Title: Managing Partner & Senior Investment Advisor
Company: The Mutual Fund Store
Type
Registered Investor: Yes
Education
Texas Wesleyan University
BBA-Marketing/Finance
Years Experience
Years Experience: 20
Service
Fee Only Portfolio Management,401k Rollover From Employer,CD Alternative,Investment & Portfolio Management,Retirement Income Accumulation Planning,Wealth Engineering,Income for Life/ Preserve Principal,Retirement Planning,Retirement Income Distribution Planning,Portfolio Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,Wealth Management,Investment Consulting & Allocation Design,Asset Protection Strategies & Planning

Data Provided By:
Localnet Corporation
(334) 636-5222
953 Ridgeway St
Thomasville, AL
Services
Life Insurance, Internet Products and Services, Internet Services, Computer Hardware and Supplies
Hours
Sat-Sun 8:30 Am-10:00 Pm

Data Provided By:
M. Morgan
307 Clinton Ave. W
Huntsville, AL
Company
Title: Fiancial Advisor
Company: Edward Jones Investments
Type
Registered Investor: Yes
Service
Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Hourly Financial Planning Engagements,Retirement Planning,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Annuities,Alternative Asset Class Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Asset Protection Strategies & Planning,Life In

Data Provided By:
Don G. Charest (RFC®), CHFC
(251) 343-7715
3662 Dauphin St Ste A-1
Mobile, AL
Company
Charest Company, LLP
Qualifications
Education: Champlain College, Burlington, Vt
Years of Experience: 38
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Retirement Planning, Tax Planning, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, BuySell, Compensation Plans

Data Provided By:
Brad Williams
2707 Artie St.
Huntsville, AL
Service
Fee Only Portfolio Management,Wealth Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Portfolio Engineering,High Yield Bank Accounts,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealt

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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...

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