Newlyweds Financial To Do List

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Posted on 24th July 2013 by Rita in FREE Consumer Guides

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newlywed financial to do list

There are many details newlyweds need to tend to after the wedding excitement dies down. Since the majority of newlyweds are combining households and finances a financial to do list is a must. Below you will find a list for this task, you can also click on the image (left) if you would like to print it out.

Change Beneficiaries: If you want your spouse to own these assets should something happen to you It would be wise to go through all of your insurance policies (LIFE, health, auto, home owners), investment accounts, savings accounts, 401(k) plans, IRAs, and any other accounts and (more…)

Do you have your “Replacement Income” Set Up?

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Posted on 11th June 2013 by Rita in FREE Consumer Guides |How To's of Life Insurance |Life Insurance

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Single income or double income household? Which ever your case is, have you thought about what would happen if this income was no longer available? Most likely it would be devastating. Very few of us take time to think about what will happen if the an income earner dies. It is not one of the most pleasant tasks in life but it is a necessary one.

If others depend on your income, proper planning is a MUST and will remove the financial devastation for your loved ones. With others depending on you it would be wise to take some time and learn about protecting the loss of income through life insurance. It may surprise you, that with relatively a small annual premium you can give an effective means of financial support for your loved ones.

 Providing for your loved ones… may be one of the most important investments you will ever make.

Life insurance is one of those very important purchases you make during your lifetime. If a tragedy happens, life insurance proceeds can help replace lost income. With the right insurance coverage your loved ones will not worry about their immediate and future finances. Life insurance serves as the foundation for a family’s financial security and is one of the few things that will give assurance during a difficult time.

One Income Family: When the family’s main breadwinner dies, the survivors still have living expenses and possibly other debt. With a one income family it is essential that the main breadwinner have enough life insurance to cover the missing income.

Two Income Family: If one of the income earners in a two income family dies, the amount of life insurance needed should equal the amount of the lost income in order to support the same standard of living. Life insurance is an invaluable way to protect the future income needs of your family.

Speak with an agent to learn about the options available to you. Agents are trained to evaluate your needs, offer unbiased advice and support during difficult times. Independent agents will be able to access insurance coverage from multiple carriers, which in-turn provides you with the best options for prices and savings.


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.

Root Canal or Life Insurance Shopping?

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Posted on 10th May 2013 by Rita in Life Insurance

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get the best life insurance rates from your agent

Hmm is that an easy one for you to choose? I recently read that one in 5 Americans would rather have a root canal than look into their life insurance needs. This was a study done some time ago by the Life and Health Insurance Foundation for Education.

Yikes! – Really? A root canal over learning about your Life Insurance needs. Sad thing is I don’t think this statistic would be much different if done today

I get it….. Hard times continue for many Americans (myself included). People have to cut back on many living expenses to make ends meet. It’s unfortunate that most do not realize… In most cases for about the same or a little more than the cost of a night out at the movies, families are protected from the debt and financial lifestyle change following an unexpected loss of the income earner.

Getting through the initial loss, upset and grief is extremely difficult on it’s own… without the addition of how to pay for everyday living expenses and the expense of a funeral and/or medical bills etc.

Life Insurance gives loved ones the chance to regroup and time needed to heal after an unexpected loss. It also eliminates the added stress of how to pay the bills. Let your loved ones focus on healing during this most difficult time and preserve their lifestyle, instead of merely surviving.

I hope that all uninsured families will take the time and effort to learn about their life insurance needs and speak with a knowledgeable life insurance representative to help them understand what is best for their individual situation. To get started, you may want to begin reading blog posts on this subject. This will help you become familiar with the insurance process and industry. Here’s a great post on “How to prepare for the conversation with your life insurance agent” Find out what questions to ask during this conversation and the life insurance lingo.

When you are ready to have a discussion about an insurance policy, an independent insurance agent will be glad to go over any concerns and questions you may have. Or you are welcome to contact North Coast Life Insurance through our blog contact page to receive information you need about this important product.

You may be interested in:
Get the Best Insurance Rates from your Insurance Agent
6 Life-Style examples – When do I need Life Insurance
Are You Providing Protection for Your Child’s Future?


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.

Get the Best Insurance Rates from your Insurance Agent

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Posted on 14th March 2013 by Rita in Life Insurance

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get the best life insurance rates from your agent

Independent Insurance Agents are trained and experienced in assessing your personal financial risks and choosing the most appropriate risk management strategies that work with your budget.

Did you know that both consumers and insurance carriers benefit from the use of (more…)

Is Your Tax Refund Money Well Spent?

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Posted on 27th February 2013 by Rita in Life Insurance

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tax refund money well spent

The average tax refund has slightly fallen from last years $3,109 to $2,985 (statistics via: irs.gov). The good news is – it’s only a slight drop and still plenty of refund money to purchase your special something you may have had your eye on. Or maybe you can’t decide what to do with the extra cash… Why not use it for something meaningful and something everyone would like to have in an unfortunate time – like life insurance?

The most common reason to purchase life insurance is to provide for the people who depend on your income. (more…)