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Should you convert your term life insurance policy?

By agent, bloodwork, change, conditions, cost, death benefit, independent, Insurance, life, Life Insurance, period, physical, plan, policy, protect, protection, questions, specific, universal, whole
convert-term-policy

Term life insurance is popular because it allows the consumer to purchase a higher death benefit at a lower price than permanent life insurance, such as whole life and universal life. As the name implies, term insurance provides protection for a specific and limited amount of time. So, what can you do when you realize you need all or a portion of your life insurance to last beyond the initial length of your term?

The post Should you convert your term life insurance policy? appeared first on The Cincinnati Insurance Companies blog.

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Think outside the box of chocolates

By agent, business, care, credit cards, debt, education, expenses, funeral, gift, independent, Insurance, life, Life Insurance, love, mortgage, policy, products, protect, provide, retirement, romantic, Valentine, Valentine's Day
valentines-day-gift

Valentine’s Day is almost here. Have you completed your quest for the perfect gift? Would you like to give your loved one something different this year?

The post Think outside the box of chocolates appeared first on The Cincinnati Insurance Companies blog.

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Holiday list: Give the gift of life insurance!

By agent, annual, benefit, cash value, cover, coverage, family, financial, future, growth, health, holiday, independent, insurability, Insurance, insure, life, Life Insurance, lifetime, low, policy, premium, protect, security, underwriting
life-insurance-holiday-gift

The annual holiday search is on for the perfect gift for your children or grandchildren. You can spend a lot of time and effort buying gifts … it can be overwhelming. You recognize that as children grow, their interests change. Last year’s trending gifts become this year’s trash. What if I told you there is a gift you can purchase that you won’t have to throw out and that can benefit a child for years to come?

The post Holiday list: Give the gift of life insurance! appeared first on The Cincinnati Insurance Companies blog.

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Sprinklers essential to safety in high-rise residences

By agent, alarm, automatic, burn, code, college, communications, condo, construction, detection, dorm, dormitory, elder, elderly, emergency, fire, Fire Prevention, hazard, high-rise, home, hotel, housing, independent, inhalation, injure, injury, Insurance, life, motel, NFPA, occupants, pathways, premises, prevent, protect, residence, safe, safety, senior, sleeping, smoke, sprinkler, standards, student, system, travel
high-rise

High-rise buildings with residential uses pose unique risks that deserve special attention to safety. Whether you are purchasing a condo, staying in a hotel or living in a high-rise senior apartment or college dorm, consider whether the building is protected by automatic sprinkler systems.

The post Sprinklers essential to safety in high-rise residences appeared first on The Cincinnati Insurance Companies blog.

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Can you depend on crowdfunding for funeral costs?

By agent, burden, costs, crowdfunding, death, dependent, die, donate, expenses, final, financial, generosity, healthy, independent, Insurance, life, Life Insurance, LIMRA, loved, policy, stability, survivor, sympathy, unforeseen, young
crowdfunding-funeral-costs

It’s an all-too-common occurrence: A family loses a loved one unexpectedly and is forced to appeal for help to cover expenses. Many of us have seen the memorials on social media, the crowdfunding websites or the donation bins at a local store for a family dealing with an unexpected loss. In many cases, the family must reveal personal details – forfeiting privacy – just to get the help they need.

The post Can you depend on crowdfunding for funeral costs? appeared first on The Cincinnati Insurance Companies blog.

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How does group life insurance measure up?

By age, agent, business, family, financial, group, household, independent, individual, Insurance, life, Life Insurance, owned, planning, policy, portable, premiums, pricing, protect, protection, services, simplicity, voluntary
How does group life insurance measure up?

Many Americans rely on group life insurance from an employer in the event of a death in their family. But in some circumstances, group life insurance is not enough, and an individual policy can provide more protection.

The post How does group life insurance measure up? appeared first on The Cincinnati Insurance Companies blog.

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How life insurance saved a business

By agent, business, Business Life, downturn, independent, Insurance, life, Life Insurance, loan, long-term, personal, planning, policy, prevent, protect, protection, value, whole
life-insurance-saved-business

LifeHappens shares the story of how a successful business owner included life insurance as part of his long-term planning. When there was an unexpected downturn, that life insurance policy saved the business and all those whose livelihoods depended on it. Watch the video.

The post How life insurance saved a business appeared first on The Cincinnati Insurance Companies blog.

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Expect the unexpected: Name a contingent beneficiary on your life insurance policy

By adviser, agency, agent, asset, assets, beneficiary, benefit, child, children, claim, contingent, estate, family, financial, independent, Insurance, legal, life, Life Insurance, plan, planning, policy, probate, proceeds, protect, tax-free, taxes
contingent-beneficiary

Life doesn’t always go as planned. When you married, you did the responsible thing and purchased life insurance policies for both you and your spouse. Each of you named the other as beneficiary, ensuring that no matter who passed away first, the survivor would be taken care of. At least, that was the plan.

The post Expect the unexpected: Name a contingent <br>beneficiary on your life insurance policy appeared first on The Cincinnati Insurance Companies blog.

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Life insurance protects, offers peace of mind

By agent, consumer, data, family, financial, independent, Insurance, life, Life Insurance, love, parent, prepare, protect, single, stress, survey, unknown
life-insurance-data-survey

Did you know most Americans (78 percent) agree that preparing financially for life’s unknowns is a way to show that you care? In fact, a little closer look at the data finds almost 2 in 3 (65 percent) think that having life insurance is key to taking care of their family financially.

The post Life insurance protects, offers peace of mind appeared first on The Cincinnati Insurance Companies blog.

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