Life Insurance Hartford CT

It’s never too late to purchase life insurance including life insurance for seniors. The sooner you look into life insurance plans the better. If you’re a cost-conscious consumer, you’re probably asking yourself, “How can I save money on Life Insurance?” Figure out what you need and don’t need from your life insurance policy and save money by cutting the options you know you don’t need. Please scroll down to learn more and get access to the life insurance agents in Hartford, CT listed below that can help.

Mr. Edward L. Fredericks (RFC®), LUTCF
860-657-3000 x211
180 Glastonbury Blvd.
Glastonbury, CT
Company
First Financial Associates
Qualifications
Education: MBA
Years of Experience: 28
Membership
IARFC, MDRT
Services
Invoice, Mutual Funds, Annuities, Life Insurance, Long Term Care Insurance, Healthcare Accounts, BuySell

Data Provided by:
Mr. Robert G. Wade (RFC®), LUTCF, RHU
(860) 788-2008
126 Bartlett Hill Road
Portland, CT
Company
Ohio National Life Insurance
Qualifications
Education: See Smith Brothers Website for Complete Information
Years of Experience: 33
Membership
IARFC, MDRT, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Auto Home Insurance, Charitable Planning, Education Plan, Charitable Foundations, Asset Protection, BuySell, LiabCover, Compensation Plans

Data Provided by:
Nathan Gridley - Allstate Insurance
(860) 243-2585
1 Bestor Lane
Bloomfield, CT
Alternate Phone Number
860-243-2585
Prices and/or Promotions
http://www.allstateagencies.com/NathanGridley/Welcome

State Farm Insurance
(860) 243-3202
37 Wintonbury Mall
Bloomfield, CT

Data Provided by:
Allstate - Nathan Gridley
(860) 243-2585
1 Bestor Lane
Bloomfield, CT
Alternate Phone Number
860-243-2585

Mrs. Betsy Anne Udal (RFC®)
(860) 470-0245
One Old Mountain Rd
Farmington, CT
Company
Udal & Associates, A Financial Advisory Practice of Ameriprise
Qualifications
Education: University of Hartford, Bachelor of Science in Economics and Finance, Summa Cum LaudeSeries 7 and 66 Licensed
Years of Experience: 10
Membership
IARFC
Services
Invoice, Estate Planning, Portfolio Management, Pension Planning, Retirement Planning, Seminars Work, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Charitable Planning, Education Plan, Asset Protection, BuySell, Compensation Plans

Data Provided by:
Mr. Enrique J. Alvarez (RFC®), CFP, CHFC, CLU, CSA, MSFS, RHU
(800) 406-1595
178 Mountain Road
Suffield, CT
Company
The Retirement Doctor
Qualifications
Years of Experience: 38
Membership
IARFC
Services
Invoice, Estate Planning, Portfolio Management, Retirement Planning, Seminars Work, Stocks and Bonds, Mutual Funds, Mortgage Loans, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Medical Insurance, BuySell, Compensation Plans

Data Provided by:
Allstate insurance - Nathan Gridley
(860) 243-2585
1 Bestor Lane
Bloomfield, CT
Alternate Phone Number
860-243-2585
Services
Life Auto Home

The Roberts Agency, Inc.
(860) 242-7726
P. O. Box 805, 31 Tunxis Avenue
Bloomfield, CT

Data Provided by:
Mr. Scott A. Staschke (RFC®), CFP
(203) 453-3458
2415 Boston Post Road, # 14
Guilford, CT
Company
Guilford Financial Group, Inc.
Qualifications
Education: BS
Years of Experience: 11
Membership
IARFC
Services
Invoice, Estate Planning, Portfolio Management, Retirement Planning, Medicaid Planning, Tax Planning, Seminars Work, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Charitable Planning, Healthcare Accounts, Asset Protection

Data Provided by:
Data Provided by:

Life Insurance

How To Keep Life Insurance Premiums Low

If you’re a cost-conscious consumer, you’re probably asking yourself, “How can I save more money?”

A good place for you to start cutting expenses is by re-evaluating your life insurance policy. Why? Because prices are at the lowest level in years, says Byron Udell of AccuQuote, one of the nation’s leading life insurance brokerage firms.

“For the best deal, go for a 20-year or even 30-year guaranteed level-term policy because they’ll offer the longest protection. And year-after-year, the rate remains the same even if your health changes,” says Udell.

Here’s a look at the savings: In 1994, a $500,000, 20-year policy for a 40-year-old male, non-smoker cost $995 annually. Today, the same policy costs $375! That’s a 265 percent drop in rates!

AccuQuote provides these money saving tips to help keep premiums low:

1. Match the length of the policy to the need - If you’ve little ones at home it’s best to buy a policy that will keep you covered until they graduate from college. All too often people leave their families financially exposed. While a 10-year guarantee can be renewed in the 11th year, renewal rates can be outrageously high, and you may not be healthy enough to qualify for a new policy under the same terms. A better choice would be a policy that maintains coverage at a guaranteed rate for 20 or even 30 years.

2. Buy enough coverage - Many experts suggest 10 times your annual net income. This amount varies depending on such factors as your age and number of dependents. To find out the amount of life insurance you need, use a needs calculator, like the one at www.accuquote.com. Only you can really decide what your family should have. Having too much coverage is better than having too little. And, today’s rates are so low that there’s no reason not to have enough coverage.

3. Don’t buy the lowest price, buy the best value - Before selecting the lowest price, consider the financial strength of the company and the product’s features including the length of the guarantee period, convertibility rights and available riders. For company comparisons it’s best to call an independent brokerage firm, like AccuQuote - (888) 436-7878 - that deals only with companies that are rated 'A' or better by A.M. Best, and knows the ins and outs of the underwriting guidelines at various companies. It’s wiser to spend a little more money to buy a policy with better features, more flexibility and from a company with superior financial strength.

4. Fully convertible policies are best - Convertibility allows you to exchange your term policy for a permanent plan without having to qualify medically. This is an important consideration because of the risk that your health will decline increases as you age. Keep in mind that some policies only let you convert during the first years of the term.

5. Buy a policy with a guaranteed premium - Don’t assume all level-premium policies are guaranteed for level ...

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