Happily Ever After is not an Option

Have you ever noticed that many fairy tales have death as a common theme?  Cinderella’s father dies at the beginning of the story; however, she is hardly the only princess to have only one parent.  In fact, only a handful of fairy tale characters have both parents, even if a death is never mentioned.  Every one of these young children had to deal with the grief and horror of losing a mother or father at a very young age.  To compound the difficulty, the children were left in abject poverty. … [Read more...]

Factors that Affect the Cost of Life Insurance

Some of the factors that make life insurance more expensive are common sense.  Things like tobacco use, heart disease, cancer, and diabetes make insuring a particular individual’s life riskier—and more risk, means a higher premium.  However, there are some things that may not be so obvious.  Here are some of the lesser known reasons life insurance can be more expensive: Being overweight. Having a bad driving record. Having a bad family health history. Being employed in a dangerous … [Read more...]

Live While You’re Young; Insured

While the hereafter might be the last thing on your list of concerns right now, life insurance certainly shouldn't be.  The unexpected can always happen, and you need to be sure you are prepared in case of disaster. This is especially true if you have family who depends upon you or your income.  If you have a spouse, child, or parents you are taking care of, the loss of your income can mean more than just tragedy and sadness.  To protect the well-being of the people you love, consider a … [Read more...]

Why Everyone Needs a Life Insurance Policy

Most people do not like to think about life insurance because it forces them to face their own mortality.  Unfortunately, death is a fact of life and having an insurance policy will save your family a lot of financial hardship during one of the darkest points in their lives. The Benefits of Life Insurance Aside from the final expenses that a death requires (i.e. funerals and resting places), you must keep in mind that your household’s income can also be cut in half by the death of a … [Read more...]

Should you buy term or whole life insurance?

Buying life insurance can be a little confusing if you do not understand all of the different options.  The two most popular types of life insurance are whole life and term life.  So, how do you know the best option for you? Term life insurance will cover you for a specific period of time.  Your monthly or annual premium will always be the same throughout the entire term of the policy.  One of the best features of term life insurance is that it is very affordable.  If you are young and … [Read more...]


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Legacy Insurance Partners

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