The Gaudreau Group of Massachusetts

Wilbraham, Massachusetts (PRWEB) December 31, 2011

When it comes to making New Year’s resolutions, many people have the same goals on their lists. The team at The Gaudreau Group knows one thing that may be left off of New England residents’ resolution lists is Connecticut life insurance. While this may not make sense at first, life insurance fits in perfectly amidst goals of improving personal health and nixing bad habits.

The experts at The Gaudreau Group want all of their clients to start the new year off on the right foot. Therefore, the team would like to highlight how common New Year’s resolutions can make it easier and more affordable to obtain Connecticut life insurance:

There is no lack of evidence to show that smoking cigarettes has a negative impact on a person’s health, but smokers should also know that the habit can cost them in terms of life insurance. The same goes for obesity. Making healthy lifestyle changes can show that individuals are taking the initiative to extend their life expectancy, which may earn them lower premiums on their life insurance policy.
Many people pledge to be more responsible during the new year. Those who have a history of motor vehicle accidents can take steps to improve their driving record, which may in turn save them money on their life insurance. This is because insurers will not perceive people with good driving records as risk-takers.
Money problems are certainly not uncommon in this economy, but a poor credit score can inhibit people from obtaining loans and an affordable rate on their life insurance. Therefore, the team at The Gaudreau Group recommends that individuals commit to making smarter financial decisions in 2012.

People may find that there are a number of things that are already on their New Year’s resolution list that will benefit their Connecticut life insurance premiums. Whether it’s a lifestyle change or a budgeting overhaul, local residents can simply use their New Year’s resolutions to become better candidates for low-cost life insurance. The Gaudreau Group encourages New Englanders to inquire about how they can start the new year off right with life insurance that will protect them, their families and their loved ones.

About the Gaudreau Group:

The Gaudreau Group, Inc. is a multi-line insurance and financial services agency established in 1921. We combine the traditional service philosophy of an independent agency with the dynamic talents of our marketing and sales teams. As a multi-faceted agency, we offer a broad range of insurance and financial products from basic life, home and auto insurance to complex corporate services for individuals and businesses throughout New England.

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Death on Strike

Image by CarbonNYC
Wow. Unironic advertising for life insurance on a matchbook. Matchbooks being used, predominantly, by smokers.
Very twisted.

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Life insurance

Image by Gruenemann
It’s good to have life insurance–you never know when you might die…

“Fidelity Union Life” no longer

Image by oaphoto
I live in the Mosaic which was once the Fidelity Union Life Insurance Building. It was abandoned in the early 80s, used for storage through 2005 and was then renovated. Now it’s home.

Am I the only one that is creeped out by child life insurance policies?

Best answer:

Answer by Kathryn
They use the “trouble getting a policy” line as a scare tactic. As you know from first-hand experience, young healthy adults can easily get life insurance. There is no reason to buy life insurance on someone who does not have dependents.

Know better? Leave your own answer in the comments!

Question by cristina d: Why is the minimum age for guaranteed issue life insurance start at age 40? What is the logic behind this?
Why is there anti-selection involved for age <40 on guaranteed issue plans?

Best answer:

Answer by Doodlestuff
Most of the plans I have seen have no age requirement other than you could no longer be your parent’s dependent.

It isn’t very good coverage, but I suppose if you only want accident insurance and can’t otherwise get coverage, it is something.

What do you think? Answer below!

What is Guaranteed Issue Life Insurance?

Most life insurance policies require you to take a medical exam. If you have a serious medical condition, you may be turned down for coverage with these policies. But with guaranteed issue life insurance no medical exam is required. At the most, you’ll have to answer some health-related questions, although some policies don’t even require that.

The catch to a guaranteed issue life insurance policy is that it provides a graded benefit. The beneficiary receives the full death benefit amount of the policy only after a specified length of time from the issue date of the policy, usually two or three years. If the insured dies before the end of this time, the beneficiary only receives the premiums paid plus interest.

Finding a Guaranteed Issue Life Insurance Policy

Begin your search for the best rates on a guaranteed issue life insurance policy by visiting an insurance comparison website. Such a website offers you many advantages:

* It’s easy – you only need to fill out your insurance information one time.

* It’s fast – you get fast quotes for your guaranteed issue life insurance policy.

* It’s reliable – the quotes you receive are from A-rated insurance companies.

In addition, these websites make it easy for you to compare rates from several companies so you can choose the cheapest rate and the policy that’s best for you. The best insurance comparison websites even offer a chat feature staffed by insurance professionals. You can ask these professionals all your questions about guaranteed issue life insurance and be assured that you’ll receive accurate and helpful answers. ((See link below.)

Visit http://www.LowerRateQuotes.com/life-insurance.html or click on the following link to get guaranteed issue life insurance quotes from top rated life insurance companies. You can get more insurance tips in their Articles section.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on guaranteed issue life insurance.

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