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Joseph Kenny's Articles in Life Insurance Show All|Display Category|Title|Newest|Oldest Life Insurance 101 Explained While most of us do not like to think of the subject of our own death, the fact of the matter is that death is a part of life and in order to protect our families we need to give some thought to the subject of life insurance. The more you understand about life insurance the better you can prepare not only for your final expenses and protect your family. First, understand there are different types of life insurance. The type that is best for you will depend on a variety of ... Deciding If You Need Life Insurance? Most people are aware of how life insurance works and what are the events and dangers that it is designed to protect against. They may also have family commitments and people who they provide for and know that some sort of life insurance would protect their family financially, if something were to happen to them. However, it is still often a very difficult decision to make if you are trying to decide whether or not you need life insurance. Life insurance is a big commitme... Life Insurance With life insurance, the insured is transferring the risk of death on to the insurer. It is not always the case that the insured is insuring their own life. Therefore there are three parties in a life insurance contract, the insurer, the insured person, and the owner of the policy. The other vitally important party is the beneficiary; this is the person who receives the insurance money if the insured’s death does occur. One or more of these parties could be the same person, f... Life Insurance, The Facts Insurance involves transferring a risk that you bare, onto an insurance company, so that you no longer have to worry about the event occurring. While you pay a fee, or premium for this, what you get in return is peace of mind. So what is the risk that you are transferring with life insurance? Well, quite simply, it is the financial risk of your own death. It should also be remembered that it is in certain circumstances possible to insure the life of another person, such as yo...

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