Life

All articles about life insurance or related to life insurance from Consumer Insurance Guide

Insurers Pummeled By Tough Season for Hail, Tornadoes and Ice Storms

By Todd Halterman
Insurers Pummeled By Tough Season for Hail, Tornadoes and Ice Storms

The first quarter of 2017 proved particularly rough on homeowners and property and casualty insurers. They were all hit with some seriously expensive losses thanks to hail, tornadoes and ice to the tune of more than a third of a billion dollars. First-quarter underwriting results for Travelers Cos. worsened year-over-year as catastrophe costs jumped 9 percent to $347 million, while Allstate Corp. and others also reported the effects of storm-related claims ahead of their earnings…

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The Best Life Insurance Quotes and How to Get Them Anonymously

By Todd Halterman
The Best Life Insurance Quotes and How to Get Them Anonymously

With various insurtech startups entering an increasingly sophisticated and competitive market, consumers may find themselves lured into buying “hype” over substance, and that’s where research comes into the equation when it comes to finding the correct life insurance policy – at the best price. So what questions do you need to ask yourself when you begin your search? We’re here for you… How much should I pay for a life insurance quote? Nothing. You shouldn’t pay for…

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Airsurety Has You And Your Family Covered On Your Trips Around the World

By Todd Halterman
Airsurety Has You And Your Family Covered On Your Trips Around the World

If you’ve ever stood around in an airport thinking about buying travel insurance, we’re pretty sure you found the process confusing – so many options and different types of coverage can leave your eyes rolling back in your head. Now a new insurtech venture, Airsurety, Inc., has simplified the process of buying your travel insurance policy with what they call Accidental Death Benefit on an Airplane. It’s straightforward stuff and simple to understand. Airsurety offers…

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Straight Answers to Every Single Question You Can Think of About Buying Life Insurance

By Todd Halterman
Straight Answers to Every Single Question You Can Think of About Buying Life Insurance

When it comes time to take the first step toward purchasing life insurance to protect your family and your business, you’ll need some guidance. We’re committed to providing you rock-solid tips and in-depth information to make your insuring buying experience smooth like butter. Knowledge is power. Feel the power… Fundamentals of life insurance What’s covered and not covered on the modern life insurance policy? What is the difference between term and whole life insurance? What…

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Insurtech Company Fabric Aimed at Niche Marketing Life Insurance to Busy Young Parents

By Todd Halterman
Insurtech Company Fabric Aimed at Niche Marketing Life Insurance to Busy Young Parents

They call them ‘insurtechs,’ and the focus is on using the latest in data and AI technology to sharpen the competitive edge for life insurance companies. One of the hottest players in the game, Fabric, has targeted new and expecting parents. “Life insurance isn’t something you think about – or buy every day – and the existing system is built to take advantage of your confusion,” says Adam Erlebacher, a co-founder of Fabric. “You should…

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Your House Is Full And You Need to Be a Multi-generational Insurance Expert

By Todd Halterman
Your House Is Full And You Need to Be a Multi-generational Insurance Expert

If your home is like a growing number of households these days, your “empty nest” is anything but empty. According to the latest data from the Pew Research Center, the number of us living in “multi-generational households” has more than doubled since 1980. That means families are adapting to a whole new model when it comes to day-to-day living. As Baby Boomers are tasked more and more with supporting their aging parents, accommodating their college-aged…

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Did You Buy Your Insurance Policy From a Chatbot?

By Todd Halterman
Did You Buy Your Insurance Policy From a Chatbot?

First Insurance Sales Chat Bots Launched On Facebook Messenger An Israeli small business insurance startup, Next Insurance, are pioneering a much-maligned technology as they recently launched a “chatbot” for personal trainers interested in buying insurance.   The chatbot works via the Facebook Messenger app, and in a similar fashion to the operation of their website, the bot guides users through answering a few short questions to provide them a quote. The Messenger bot will queries users for…

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Insurtech Startups Are Going to Change the Way You Buy Insurance

By Todd Halterman
Insurtech Startups Are Going to Change the Way You Buy Insurance

What Insurtech Innovations Will Mean to You The word “insurtech” describes technology innovations aimed at amping up the efficiencies of the insurance industry model. A marriage of “insurance” and “technology,” the concept hinges on the idea that the business of insurance is poised and ready for innovation and disruption. At the core of the idea is an insistence on exploiting gaps in the business that larger insurance concerns may not have sufficient incentive to explore…

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Science Knows When You’ll Die But Can You Make Money On Your Death Clock

By Todd Halterman
Science Knows When You’ll Die But Can You Make Money On Your Death Clock

What if you could cash in on your life insurance now, while you’re still very, very much alive? Perhaps you can as there is now money to be made by companies buying life insurance from people – people who are indeed walking and talking among us – who are willing to pay you a tidy sum of cash for your policy. They’ll even cover the cost of your premiums and they do it in exchange…

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Vaping Is the New Insurance Black Hole For Smokers

By Todd Halterman
Vaping Is the New Insurance Black Hole For Smokers

The American Heart Association is pretty clear on where they stand when it comes to e-cigarettes and vaping. Their initial policy statement on the products leaves little room for wiggling. The association says that, while unknowns still abound regarding the electronic cigarette industry, e-cigarettes are dangerous “because they target young people, can keep people hooked on nicotine and threaten to ‘re-normalize’ tobacco use.” The AHA says that “based on current evidence,” the association’s position is…

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