themesupport, Author at Aspect Management

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Posted April 30, 2018

Help

Help Whether you need to reach us for inquiries relating to new business, careers or general information, we are here to answer your calls and email. HEAD OFFICE 405 Oakbrook Drive Columbia, SC [...]

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By themesupport

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Posted April 30, 2018

Terms of Service

TERMS OF SERVICE Please read these Terms of Service (“Terms”) carefully before using the Aspect Management (the “Company”) Resources (as defined below), applying to become an insurance agent for [...]

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By themesupport

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Posted April 30, 2018

Privacy

Privacy Notice Last Updated: August 22, 2023 Overview Applicability of HIPAA and GLBA Personal Information We Collect / Sources of Personal Information Use of Personal Information Disclosing [...]

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By themesupport

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Posted April 19, 2018

Products

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By themesupport

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Posted December 24, 2015

Paris Amusement Park

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By themesupport

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Posted December 24, 2015

Trump Towers

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By themesupport

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Posted December 24, 2015

Zorlu Center Stadium

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By themesupport

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Posted December 24, 2015

Arama Park

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By themesupport

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Posted December 4, 2015

CATHERINE FICK

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By themesupport

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Posted December 4, 2015

CATHERINE FICK

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A premium is a monthly fee you pay to have medical insurance coverage. To decide your premium, insurance companies will consider: your age, where you live, whether you smoke or use tobacco and whether the coverage is for one person or a family. Premiums usually go up when the coverage is renewed to reflect your age and higher health care costs.

Final expense life insurance can be used by the beneficiary designated as needed rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn’t require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.

When choosing a life product, make sure that life insurance needs are met long-term, especially if personal situations change — for example, marriage, birth of a child or job promotion. Weigh the costs of the policy, and understand that life insurance, and long-term care coverage linked to life insurance through riders, has fees and charges that vary with sex, health, age and tobacco use. Riders that customize a policy to fit individual needs typically carry an additional charge. The payment of long-term care rider benefits, as an acceleration of the death benefit, will reduce both the death benefit and cash surrender values of the life policy. Additionally, policy loans and withdrawals will also reduce both the cash value and the death benefit. Care should be taken to make sure that life insurance needs continue to be met even if the rider pays out in full, or after money is taken from the life policy. There is no guarantee that a rider will cover the entire cost for all of the insured’s long-term care, as this may vary with the needs of each insured.