Pig Out in the Park – Spokane

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Posted on 30th August 2011 by Rita in NCL News & Events

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spokane pig out 2011

An end of summer local favorite event, Pig Out in the Park. 48 food booths, 225 menu items with nothing over $8.95 and, 82 Free Concerts will be enjoyed over the five day affair. The 32nd Annual Pig Out in the Park has so much to offer in authentic food choices and entertainment, one would be hard pressed to find something to their liking. The best part is – This a free event. 

Come join the FUN this Labor Day Weekend! (August 31 – September 5, 2011)

Check out the menus and entertainment schedules on the Official Pig Out in the Park website here.

Rita Sollie, Direct Insurance Agent with North Coast Life Insurance Company. For more information about life insurance & other financial products, call Rita at 800.541.5858 or email her at rita.sollie@nclife.com. See your INSTANT Term-Life Quote (no obligation) at: www.insureyourfamily.com or Live Chat…
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How to support your favorite Charity with Life Insurance

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Posted on 22nd August 2011 by Rita in FREE Consumer Guides |How To's of Life Insurance |Life Insurance

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support your favorite charity with life insuranceWishing you could do more for the charities you love and support? Have you considered using life insurance as a charitable gift? It may be wise for some donors to consider using their life insurance policy as an effective and convenient means in providing their support.

In most cases a relatively small annual premium will bring in a significant death benefit at the donor’s death, which in-turn provides a substantial gift to the donors chosen charity. This may turn out to be a much more abundant gift than a donor is able to provide with other assets.

As with almost all life insurance policies, the benefits will not be subject to delays in probate or be reduced due to estate or income taxes. Compared to other assets a donor may have. In addition, the death benefit of a life insurance policy is less likely to be contested by the donor’s beneficiaries.

In many cases, the charity receiving a gifted life insurance policy will have less administration tasks involved compared to receiving other assets, such as real estate or business interests. An added benefit for charities when a donor is going to gift a whole life – life insurance policy. A charity can take advantage of the cash values in a policy through loans or withdrawals, while the donor is living.

If you currently have a life insurance policy and would like to gift part or all of the benefits to your favorite charity… in most cases it is fairly easy to do. Simply complete the transfer or change of beneficiary forms with the life insurance company that your policy is with.

Methods Available for Gifting Life Insurance Benefits:

  • Charitable Giving Riders
  • Policy Donations
  • Naming a Charity as Beneficiary
  • Gifting Policy Dividends

For more information on Final Expense insurance, contact North Coast Life, your insurance agent or financial representative. Need help finding a local representative? Call 800-541-5858 or send your request through our contact page via our website. Questions welcome via social media.


Note: This blog is designed for general information purposes only. All information presented on this site should not be interpreted as legal advice and the author assumes no responsibility or liability for the actions taken or not taken by the readers based upon such information. For legal and tax advice contact your attorney or tax adviser.
Rita Sollie, Direct Insurance Representative with North Coast Life Insurance Company (NCL). No gimmicks or schemes here, just genuine and honest service. We don’t sell insurance, we solve problems. I welcome the opportunity to show you what NCL can do for your Life Insurance and Financial needs.
View INSTANT Term-Life Quote: www.insureyourfamily.com
If you prefer to speak with a local financial representative, call or email your request and you will be connected with a representative in your area.
Contact info: Phone: 800.541.5858 Email: rita.sollie@nclife.com or Live Chat below.

How to Pay off Mortgage with Life Insurance

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Posted on 9th August 2011 by Rita in FREE Consumer Guides |How To's of Life Insurance |Life Insurance

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mortgage protectionOne of the major investments in life, is your home. If others depend on your income to make the mortgage payment, seems to make sense to have some mortgage protection in place if you unexpectedly die.

Proper financial planning for mortgage protection could be the difference between financial devastation or not. Term life insurance may be the perfect solution to this dilemma if you still owe on your home mortgage. It is designed as low cost coverage for a specified period of time.

Here’s how it works: say you have 5 to 30 years on your home mortgage. If you purchase a term life insurance policy for same period of time and for the amount still owed on your mortgage… Then if you should die unexpectedly during the “term” the policy is in force, your love ones receive the face value of the policy purchased. The proceeds from the insurance policy will pay off the home mortgage. Making this one less thing for your loved ones to worry about during a difficult time.

Not only can the proceeds pay the mortgage, but the money can be used for any purpose your loved ones choose. For example, they may want to pay off a high interest credit card debt or a new car loan or use it for their cost of living expenses while they are going through a difficult time. Life insurance benefits are usually tax free and the beneficiary chooses how the money will be used.

Questions to ask yourself: if I died today…
Would my loved ones be able to stay in their current home?
How will the mortgage and other living expenses be paid?
Is my spouse’s income sufficient to maintain the daily expenses?

Note: This discussion covers the type of insurance that will pay off your mortgage balance in the event of your death. This should not to be confused with mortgage protection insurance which covers your mortgage payments in the event your are unemployed, sick or, injured.


ABOUT NORTH COAST LIFE INSURANCE
Established in 1965 in Spokane, WA. North Coast Life Insurance Company (NCL) is focused on providing solutions for you and those you love most. Experience genuine personal service while receiving guidance on all your insurance needs.
Note: This blog is designed for general information purposes only. All information presented on this site should not be interpreted as legal advice and the author assumes no responsibility or liability for the actions taken or not taken by the readers based upon such information. For legal and tax advice contact your attorney or tax adviser.
Rita Sollie, Direct Insurance Representative with North Coast Life Insurance Company (NCL). Providing solutions for your financial needs. INSTANT Term-Life Quote: www.insureyourfamily.com
Prefer to speak with a local financial representative? Call or email your request and you will be connected with a representative in your area.
Contact info: Phone: 800.541.5858 Email: rita.sollie@nclife.com or Live Chat below.

How to Replace Income with Life Insurance

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Posted on 5th August 2011 by Rita in How To's of Life Insurance |Life Insurance

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replace income

No one likes to imagine what it would be like if the worst happens. If people depend on your income, such as young children, spouse, dependent adults or parents, proper planning can save them from financial devastation.

Life Insurance can be used as an income replacement. (more…)