Life Insurance

How to Sell Insurance

2011-04-23T17:42:00.001-07:00

How to Sell Insurance

If you are looking for information on how to sell your life insurance policy, go to my article on life insurance settlement. It will give you information on selling life insurance to investors for quick cash.
Learning how to sell insurance is not very difficult to do, even though the actual doing of it can be hard work just like any other worthwhile money making endeavor. Selling insurance can be a very lucrative business and will give you the ability to work for yourself, work from home or work from an office with a team. Here are the basics of how to sell life insurance. Whether you are selling commercial insurance, home insurance or other kind of insurance, or selling life insurance, it all starts out the same way.
I've worked in various components of the selling insurance policy business from working at a worker's compensation insurance provider, being a licensed life insurance agent and even working as a prospect cold caller for a successful insurance broker. So a lot of this is based on my own experience.

Insurance Sales Agents are Valued Financial Advisors

Insurance sales agents help their clients make important decisions for their lives and families.

Getting Started: How to Become an Insurance Agent

Group Insurance Sales

How to Sell Insurance

The insurance business allows easy access for those wanting to enter the field as well as many options to advance through continuing training and licensing. In addition, being an insurances sales agent can be a very lucrative and financially rewarding career once you learn how to sell insurance.
In addition, it's a growing industry where you can make money for years to come. There are even new advancements like life insurance settlement that may make your ventures in this industry that much more productive and fruitful.

Selling Insurance Income

In May 2008 the median annual wages of wage and salary insurance sales agents were $45,430. The middle 50 percent earned an annual income of $33,070 - $68,730.
The bottom 10% had an income of $26,120 or less, while the highest 10% earned more than $113,930.
The median annual income for insurance sales agents who worked directly for insurance carriers were $48,150. Those who worked for agencies, brokerages and other insurance related businesses made a median annual income of $44,450.
Once you learn how to sell insurance, many jobs are commission only, especially for entry-level agents. Some are salary plus commission, but usually heavily dependent on commissions by nature. Because of the competitive nature of this industry, usually the commission structure is very generous.

Benefits of Insurance Sales

Insurance allows many people to work for themselves and those who are good at it make pretty good money. Selling insurance affords you the ability to have your own business.
You can choose to just focus in on a specific type of insurance policy like life insurance, as many people do, and other decide to provide the full gambit of insurance from life insurance to worker's compensation to auto insurance.
The great thing about wanting to sell insurance policies is that you can, just like any business, begin with a bread and butter line, like life insurance, and slowly expand your line of insurance products, thereby levering the relationships and customers you already have in your book of insurance business.
Professional insurance agents are viewed more as financial advisers than salesmen. They help people hedge against risk exposure, just like a hedge fund financial adviser helps businesses hedge against risk buy selling commodity futures. Speaking of which, many insurance agents also sell financial products like stock, bonds, commodities, annuities, retirement plans in addition to selling insurance policies.
Another advantage to selling insurance policies is that you can start part time. Even if you have a full time job, you can start in the evenings scheduling appointments and meeting with people. Insurance is a good low risk way to get into the selling or get into the insurance business.

Life insurance companies

2011-04-23T17:41:00.001-07:00

Purchasing life insurance is a responsible decision you can make for the financial protection and provision of your family in the event of your death. There are all kinds of life insurance companies that offer such policies. But how do you know which life insurance companies are the best? The best way to get an answer to this question is to do your own research to find out which life insurance companies are better than others.
There are several ways to do this. First of all you can start by talking with other family members and your friends about which life insurance companies they use. You can then go online and read information about each of these life insurance companies and compare their policies and premiums. You also want a particular attention to the rating that each life insurance company has. Life insurance rating services are independent and life insurance companies that have the highest ratings have been evaluated by these independent financial rating services. They are rated on the financial strength of the life insurance company. The well-known financial rating companies that rate life insurance companies include Best, Fitch, Diamond Bond, and Standard and Poor.
Life insurance companies can sell two different types of life insurance. One type is a whole life insurance any other type is term life insurance. Term life insurance is typically a life insurance that will expire after a certain period of time or after the individual reaches the age of 70. Whole life insurance does not expire at the age of 70. When shopping for life insurance companies look for ones that offer the kind of life insurance policy that you want. Reliable life insurance companies can help you choose the best kind of life insurance policy for your needs.

In doing further research on various life insurance companies that you are interested in you can contact your state’s insurance department. They can tell you if the life insurance company is licensed to sell life insurance in your state. It is best to stay with life insurance companies that are licensed to sell insurance in your own state. This way it you ever have a problem your state insurance department can help you.
Before you buy life insurance from any of the life insurance companies that you have researched, there are a few factors that you should keep in mind. These factors include your monthly budget and need. The agents from the various life insurance companies can help evaluate the different policies and which ones will best suit your needs.
Selling life insurance is big business these days. The biggest life insurance companies can provide the most affordable policies. Some the most reliable life insurance companies today are Metropolitan Life Insurance Company, Transamerica Occidental Insurance company and American General Insurance Company (AIG). Actually the four biggest life insurance companies are MetLife, AIG, TOIC and Prudential. You want to purchase a life insurance policy through reliable life insurance companies who will be there for your family in the event of your death. Well-known life insurance companies can assure the security that their customers need. Before you buy life insurance from any company make sure you know the name of the life insurance company. You may also be able to find subsidiary life insurance companies of the larger companies that can offer a policy at more portable rates. Just make sure you do a background check on any life insurance company that you are considering purchasing a life insurance policy through. If you are not familiar with the name you may be surprised find out the parent company is one of the larger life insurance companies mentioned above.

Life Insurance with No Medical Exam

2011-04-23T17:39:00.001-07:00

The concept of life insurance, just like any other type of insurance policy is needed due to the uncertainty in life. Uncertain events result into financial losses, and in order to ensure that the expenditures do not affect the victims significantly, the coverage of insurance policies is used. Among all the policies, the life insurance policies and medical insurance policies are the most important ones. Before we proceed to the core concept of life insurance with no medical exam, it is essential to know more about the mechanism of life insurance coverages and policies, and some life insurance basics.

About Life Insurance Policies

Life insurance policies are often considered to be the most important of all insurance policies, since they cover the financial risk associated with life. In simple words, life insurance policy matures after a particular number of decades, and a structured settlement or a lump sum settlement is returned to the insured person. In case of demise of the insured person, the entire proceeds are paid to the nominated persons as per the insurance agreement. The proceeds and returns multiply according to a specified rate that is mentioned in the insurance agreement. The only difference between the life insurance policy and other policies is that the returns start after the premium ends or upon demise. In the other types of insurance coverages there are no returns, but there is just a coverage. Thus, the principal objective of the different kinds of life insurance policies is to reduce the financial burdens of the deceased's family. For more inputs you can also refer to how does life insurance work.

It is customary for all insurance companies to have a regular medical check up during the life insurance underwriting process. The insurance policy being dependent on life, usually has a premium that is based upon medical and health conditions of the insured person. The rule of thumb is greater the age, more is the premium. If the premium is not that high, then the returns are not very high. The younger the age, the lesser is the amount of the premium, longer is the maturity period and higher are returns. A new variant has however come up in the life insurance sector, that is the no medical exam life insurance.

Life Insurance with No Medical Exam

Life insurance with no medical exam is a concept that has been introduced quite recently and often many don't believe their ears when they hear about the policy. However, instead of getting your hopes too high let me first assure you that these policies are not valid for certain medical conditions.

The life insurance with no medical conditions are not granted to people suffering from chronic medical conditions such as diabetes, hypertension or cancer. Apart from that, many insurance companies grant such policies to people who are younger then 40 or 50 years of age. The idea behind such a policy is simple, people who have just embarked upon their careers do need a life insurance for their near and dear ones. However, they are not able to afford the extremely high premium rates that are usually imposed on life insurance policy. Hence, an easier and cheaper option for the time being. The covers reportedly vary from $5,000 to $50,000.

Though these insurance policies are tagged to be life insurance no physical exam, such policies do need a certification from the doctor or some simple reports such as blood tests and X-rays to prove that no birth problem, deformity or natural problem exists. The policy being small, has a rather small maturity period and the agreed returns are also small, but sufficient. The premium being affordable, the life insurance with no medical exam is a popular one among youngsters.

There is a second variant of this policy, for people who have good self confidence, who do not suffer diseases or disorders. This kind of life insurance with no medical exam has different kind of conditions in the agreement. According to these conditions the insurance compensation is provided in cases where the demise of the insured person is as a result of non medical reasons such as an accident. You can also get a similar policy that goes by the name 'term life insurance no medical exam'.

The life insurance with no medical exam is basically a low premium insurance policy and is basically taken as a stepping stone towards a bigger and costlier whole life insurance policy. I hope that the elaboration on life insurance with no medical exam proves to be of effect. Good luck.
By Scholasticus K
Published: 9/23/2010

How Much Life Insurance is Enough?

2011-04-23T17:37:00.001-07:00

How Much Life Insurance is Enough?

Life insurance is a part of good family financial planning. But most individuals are confused and often end up asking the question, "how much life insurance do i need." This article will put an end to this confusion and will brief you about how much life insurance is enough for you. Keep reading…

Life insurance is a contract between the insurance company and the insurer, where the insurer agrees to pay a certain sum of money every month or year or quarter (as per the contract terms), and the company in turn pays the insurer's family a lump sum amount of money on the event of the insured individual's death or in case of critical illness.

Death is the inevitable truth of every individual's life. If your are the breadwinner of your family, and (god forbid) you embrace the bitter truth of life, i.e. death, anytime sooner than later. Phew… The thought itself horrifies you, doesn't it? Your family is no doubt going to miss you. But along with the physical loss, will accompany the financial loss. To keep going and live life as per the same standards as before, will not be easy for your family. To pay off your present debts if any, children's education costs, maintaining the present standard of living, inflation costs, and so on, will have to be taken care of, after you are gone. Life insurance helps restore all this. All your family has to deal with is your physical loss which no one in this world can replace. Everything else will be taken care of, if you have a proper life insurance. Now, if you are an individual with no dependents, you might be able to do away with life insurance, but if others depend on your income, life insurance is a good idea to replace your earning potential, when you are gone.

How Much Life Insurance Does a Person Need?

How much life insurance do you need is very subjective and not easy to answer. It's not some magic number that is derived. A lot of calculations and factors are to be considered while determining how much life insurance do you really need. Listed below are a few factors to be considered while actually calculating how much life insurance is enough for you.

Factors to be Considered

Your present financial standing.
Whether or not your spouse is working.
Any major expenditure in the near future like buying a new car, an apartment, children's education fees, and so on.
Debt to be paid off (if any).
Present size of savings of the family.
Social benefits, pension benefits, etc., available after death.

How Much Life Insurance is Enough?

Your main goal is to replace your present income, so as to maintain the same lifestyle.
Consider your financial situation and ponder upon the factors above.
List down the factors to be considered, and also about some big expenditure, if any to be made in the near future.
Once you're done with the above working and sure of your short term and long term needs, you will come to a certain figure, you would want to replace it, say yearly. Let's call it A.
To A now add all family maintenance expenses like entertainment, utility bills, travel and transportation, etc., on a yearly basis.
This figure is going to be something close to your annual salary or slightly more than that, since you consider a lot of other costs as well. Let's call it B.
To this figure you ought to add the inflation cost which rises at a pace of around 2% every year. We get C.
Now, count all your liquid assets like stocks, bonds, savings, and if you have other assets elsewhere, which can be liquidated. We will call it D.
Then reduce all the liquid assets from the figure you have calculated. i.e. (C - D).
The figure you arrive at is exactly what you are worth, and has to be replaced.
This figure represents the amount of life insurance you must buy.

To make things simpler, I have a simple formula you could use:

Long-term needs + short-term needs + inflation cost – resources (that can be liquidated) = how much life insurance you should have.

It is easy to get a large cover of life insurance, but in reality, you end paying a lot of extra money, and hence, blocking your capital. So, it's important you get just enough insurance cover so as to assure the replacement of your present income. You can also consider a financial planner, who should be able to help you out with exact the amount of life insurance required.

Life insurance comes in different sizes and boasts of different features, prices and terms. If you need a life insurance, make sure you educate yourself to make the right choice, because you don't want to end up paying more or stuck with inadequate coverage. Choose a policy that is more likely to fulfill all your financial hopes. Last but not the least, please read the offer document carefully before investing!

By Divya Bichu
Published: 3/22/2011

AXA Insurance Revamps its Term Lineup

2011-04-23T17:35:00.003-07:00

AXA Insurance Revamps its Term Lineup

AXA has reduced its rates
and launched a loan
insurance program.
Photo by Rana Ossama

AXA Insurance reduced its Term Life Insurance rates and launched a new loan insurance program.
Specifically, it reduced its Term Life Insurance rates in July of 2010, lowering its Term 10 premiums for insured persons age 50 and over.
(AXA Insurance Revamps its Term Lineup continued...)

Analysis of Canada Life Universal Life Rate Increase ...

RBC Insurance’s Disability Buy/Sell Plan ...

Standard Life’s Term 10 and Term 20 Term Policies: Now with Detatchable Riders ...

UL Mutual’s New Non-Participating Whole Life Policy ...

Desjardins Financial’s Solo Disability Income Plan ...

Standard Life Universal Life Policy ...

Disability Insurance: A Business Insurance Option ...

Standard Life Critical Illness: Analyzing Two Options ...

Insurance coverage critical for homeowners’ peace of mind ...

Empire Life’s Participating Whole Life Policy ...

Desjardins Financial’s Accidental Fracture and Accidental Dismemberment Benefit ...

Insurance that Covers Earthquakes ...

No Medical Life Insurance: Understanding the Two-Year Waiting Period ...

Term Insurance Multi-life Policies vs. A Joint First-to-Die Plan ...

RBC Insurance Raises Issue Limits on its Term 100 Plan ...

Transamerica Life is Raising Level Cost Universal Life Rates ...

Funeral Costs and Life Insurance ...

Industrial Alliance’s No Medical Simplified Issue Term 20 Policy ...

Industrial Alliance’s Guaranteed Acceptance Coverage ...

Chamber of Commerce Group Critical Illness and Disability Insurance Coverage ...

UL Mutual’s Term 20 Superior Plus Plan ...

Understanding Term Life Insurance Policy Ratings ...

La Capitale New Rate for 5-Year GIC ...

BMO Insurance: Universal Life and Helping Hands ...

The Insurance Journal: Low interest rates drive up prices ...

Are Insurers Ripping Off Long Term Care Clients? An HHS Study

2011-04-23T17:35:00.001-07:00

Are Insurers Ripping Off Long Term Care Clients? An HHS Study

Shaking Hands By Nicola Corboy

Growing older brings you new experience and joys, but also a great deal of potential risks. Becoming dependent on long term care is one of them. We cannot secure our health, but we have insurance to help us with the financial needs associated with ageing. While life insurance mainly serves your family, critical illness and long term care insurance is supposed to cover your own expenses. Critical illness usually pays you a lump sum once you are diagnosed with a serious illness, while long term care insurance pays you a monthly sum that can help you to acquire day care or to pay for an assisted living facility.

Manulife Financial Is Raising Term 100 Rates

2011-04-23T17:34:00.001-07:00

Manulife Financial Is Raising Term 100 Rates

Another policy rate
is on the rise.
Photo by Balazs Gal

Manulife Financial is raising it’s Signet Term 100 and Term 100 Family Term rates effective April 23, 2011.
Term 100 insurance is a hybrid permanent insurance plan that provides fixed premiums and lifetime protection, but does not build a cash value in most cases. Whole life policies on the other hand, provide fixed premiums, lifetime protection and build a cash value. However, initial premiums on whole life policies are much higher.

Canadian Life Insurance News:

2011-04-23T17:33:00.001-07:00

Empire Life Releases its 2010 Year-End Financial results

Empire Life Year-End Report
Photo by Duckie Monster

Empire Life has released its 2010 year-end financial results.
“Our 2010 results reflect our steady commitment to growing and supporting our three lines of business, Wealth Management, Employee Benefits and Individual Insurance." said Les Herr, President and Chief Executive Officer. "As we’ve seen again this past year, this diversified balanced approach helps us generate consistent revenue and premium income in all economic and market conditions making our company stronger.”
Empire Life generated strong sales in 2010:
* Individual Insurance sales increased 12% from 2009 to $68.1 million.
* Wealth Management sales increased 2% from 2009 to $1.0 billion.
* The Employee Benefits product line had sales of $43.0 million and an increase of 20% from 2009.
The company’s risk-based capital ratio, as measured by Minimum Continuing Capital and Surplus Requirements (MCCSR), was 243% at the end of the year, above minimum requirements.

What is Life insurance?

2011-04-23T17:31:00.000-07:00

What is Life insurance?

At Farmers^®, we know it's difficult to imagine a time when you won't be there to help provide for your family. That's why Farmers has developed a suite of Life insurance products* designed to help answer your Life insurance requirements, at any stage of life. Whether you're a new family, empty nester, business owner, or single parent, Farmers has a Life insurance option to suit your needs and budget. For a personalized assessment of your Life insurance coverage needs, including customized Term Life insurance quotes, contact a Farmers agent. Protecting Your Family:
By preparing in advance, you'll have the peace of mind that comes from knowing you're protecting your family's financial future. And since Life insurance benefits are generally not taxable at the federal level**, your loved ones can use the benefits to help take care of their living expenses in a variety of ways.

Any needs after the time of death, such as final illness expenses, burial costs and estate taxes.
Funds for a readjustment period, to finance a move, or to provide time for family members to find a job.
Ongoing financial needs, such as monthly bills and expenses, daycare costs, college tuition or retirement.

Safeguarding Your Business
If you're a business owner or have business partners, it's important to prepare for the unexpected. Farmers offers several Life insurance products that are designed to help you, as a business owner, to make it possible for your heirs to help pay estate taxes and help sustain the business during a change in management, or to help provide funds in order to execute a buy-sell agreement between partners or stockholders.**
Contact a Farmers agent to learn more about how Life insurance can benefit you and your loved ones or beneficiaries.
Products and features may not be available in all states and may vary by state.
*Life insurance issued by Farmers New World Life Insurance Company, Mercer Island, WA 98040
**This document is for informational purposes only. You should consult your attorney, accountant, or tax advisor for legal or tax advice.
FNWL020026

Term Life Insurance

2011-04-23T17:25:00.002-07:00

Now the underlying cost of insurance shown in the above graph must be paid for all types of life insurance. But because one year term insurance isn’t a well liked product (due to the constant premium increases) the insurance companies smooth out these costs over periods of time or ‘terms’. Lets say they take the premiums in the above graph for a period of 5 years. Now rather than charging you the increasing premiums every year, instead they charge you the average premium over that 5 year term. You pay the same total costs, but now your premiums are level for 5 years. At the end of 5 years, your premiums increase and the company charges you the average premium over the next 5 year time period. The costs are the same, but now you’re premiums are level for 5 year increments. This type of insurance is called 5 year term.

If the company takes those underlying costs that increase every year and averages them out over 10 years (so your premiums are now level for 10 years), that is called 10 year term insurance.
And that’s term life insurance in a nutshell. Rather than paying the direct cost every year, your premiums are smoothed out or averaged over terms. 10 year term insurance, 20 year term insurance and 30 year term insurance are all common life insurance products in Canada today.

Types of life insurance

2011-04-23T17:25:00.000-07:00

Types of life insurance

Life insurance has two primary attributes – the premium and the death benefit. If we strip away the marketing aspects from life insurance those are the two base attributes we should be concerned about. If we die, how much do our beneficiaries receive? And how much does it cost to receive those benefits?
Death Benefit
Let’s look at the death benefit first. If person A has $100,000 of one type of life insurance and person B has $100,000 of another type of life insurance and the both die, how much do the beneficiaries receive? In both cases, the beneficiaries receive $100,000. The beneficiaries can’t tell what type of insurance they had! The point here is that the death benefit is the same for all the various types of life insurance. It’s the premium that differentiates the different types of life insurance.
Premium
It’s the premium that differentiates the various types of life insurance available to us. How are the premiums different? Let’s first look at the basic underlying ‘cost’ of insurance.
Life insurance premiums, like all insurance, are based on the concept of risk. Higher risk means higher claims and that dictates higher premiums. For car insurance, drivers that get into accidents tend to be poorer risks and that leads to higher insurance premiums. But what makes us a poorer risk with life insurance?
For most of us, it’s our age. Younger people generally don’t die as often. Claims are less, so costs – and therefore premiums are lower. Larger numbers of people tend to die as we age, so therefore costs are higher. This is intuitive for most of us – life insurance is cheaper when we’re younger and gets more expensive as we get older.
If the insurance company was to directly charge us the direct cost of insurance based on our age then, our premiums would go up every year and would look something like the graph below.

This type of life insurance, where the costs are directly charged by age, is called one year term life insurance. It’s term life insurance because there’s no cash values and the premiums correlate directly with your age. It’s specifically “one year” term life insurance because the premiums increase every year (every ‘one’ year).
One year term insurance isn’t palatable to most consumers. Consumers would rather not pay premiums that they know are going to increase every year.

Life Insurance Quotes

2011-04-23T17:24:00.001-07:00

Before you run your life insurance quotes, you may consider reading our articles on how much life insurance do I need and types of life insurance. How much and what type are both vital components of getting an online life insurance quote.
Tips on getting the best rate:

When you run your life insurance quotes online, assume a health class of regular if you are in good health. While you can get lower quotes, they are just that – quotes. Final rates are subject to underwriting by the insurance company. Regular rates are what most people in good health receive so it’s the most realistic quote. You can get lower quotes, but you are less likely to receive those lower rates (and your overall fitness level is not a good indicator that you will receive lower rates). Assuming regular health class does not mean you won’t get lower or preferred premiums should you qualify – it is however the most realistic quote for most of us. In other words, you can get lower quotes – but you are unlikely to receive these rates (and your agent does not have any impact on what rates you do receive).
Take your medical exam first thing in the morning. If you’re able to, don’t have anything to eat or drink prior to the medical exam. This gives the insurance company clean bloodwork (no breakfast muddying up your blood test) as well as the lowest blood pressure reading for most of us.
Answer all medical questions completely and exhaustively. Be verbose, detailed, and complete. Doing so is counter-intuitive to most of us, we want to hold things back that may bias our case. In practice however, the more you disclose the better your chance is of receiving the best rate you can get. For example, underwriters are naturally conservative in their jobs. If they are on the fence about giving you better rates, they will feel more confident about giving someone the better rates if they have a detailed application. If they are on the fence and have what they perceive as an application that’s light on details, they will naturally take the more conservative (and higher for you) rate class.
Get quotes from more companies. Individual brokers don’t impact any specific company’s rates. You should see the same premiums from a company no matter what broker you work with. If you see lower quotes, it’s probably because brokers have assumed a preferred health class, see above. So the way a broker can get lower premiums is by shopping more companies. This ensures that you see the companies that have the lowest premiums for you. Our website uses the Compulife database for our online life insurance quotes. This is the same database that many insurance companies and brokers use inhouse. And we do not remove any companies or products from the quote – even if they are companies we don’t or cannot represent; we show you everything we can in our life insurance quotes.

Life Insurance

2011-04-23T17:21:00.001-07:00

Being there means helping you protect your family’s future.

Life exists between the hours of the workweek. Most importantly, it exists in the eyes of sons and daughters and those you hold close – those forever expecting your safe return home.
Life insurance from State Farm gives you the opportunity to protect your family’s dreams, ambitions, and finances should an unexpected death occur.

With life insurance from State Farm, you can help your family:

Keep the ability to pay the home mortgage.
Maintain their current standard of living.
Pay off debts, estate taxes, and final expenses.
Create a fund for college education.
Create a fund for a family member with special needs.
Protect your family’s dreams for the future.

Take a moment to talk about life insurance. Then, speak with a State Farm agent to help ensure you have the coverage you need and the protection your family deserves.

Life Insurance

How to Sell Insurance

How to Sell Insurance

Insurance Sales Agents are Valued Financial Advisors

Getting Started: How to Become an Insurance Agent

Group Insurance Sales

How to Sell Insurance

Selling Insurance Income

Benefits of Insurance Sales

Life insurance companies

Life Insurance with No Medical Exam

How Much Life Insurance is Enough?

How Much Life Insurance is Enough?

AXA Insurance Revamps its Term Lineup

AXA has reduced its ratesand launched a loaninsurance program. Photo by Rana Ossama

Are Insurers Ripping Off Long Term Care Clients? An HHS Study

Shaking Hands By Nicola Corboy

Manulife Financial Is Raising Term 100 Rates

Another policy rateis on the rise.Photo by Balazs Gal

Canadian Life Insurance News:

Empire Life Releases its 2010 Year-End Financial results

Empire Life Year-End ReportPhoto by Duckie Monster

What is Life insurance?

What is Life insurance?

Term Life Insurance

Types of life insurance

Types of life insurance

Life Insurance Quotes

Life Insurance

Being there means helping you protect your family’s future.

With life insurance from State Farm, you can help your family:

AXA has reduced its rates
and launched a loan
insurance program.
Photo by Rana Ossama

Another policy rate
is on the rise.
Photo by Balazs Gal

Empire Life Year-End Report
Photo by Duckie Monster