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So today I was scheduled to be in the studio all day long (well from noon to 8 pm, pretty much all of the real day for me. After that the night begins). I’m at the point now with my album that all we really have left before mixing are the vocal tracks: lead and backups. I’ve sung all of the lead vocals for all of the songs, but after editing them all, I’ve just been really unhappy with them. I got sick about a month ago and it’s just kicking my butt still. I’m not sick anymore, but now I’m coughing, and having to deal with an unpleasant coat of muck on my vocal chords. It does not make it easier to sing. It makes it harder to sing.

So, instead of being in the studio and finishing the album, I am instead sitting in my office working my real job (I know, I really shouldn’t be complaining). It’s just frustrating more than anything, cause I want the album to be done. And I want to have the CD ready for the CD release show in June. You know, deadlines.

Anyway, I should probably mention that I am starting a new project dealing with term life insurance products for the various life insurance companies we represent. It should be fun. And if you haven’t already, be sure to check out our website for the best life insurance quotes available today. If you haven’t checked rates recently, you could be missing out. The prices are at an all time low.

Well, here I am.  In case you don’t know me, my name is Jon Pinney.  I am an aspiring singer-songwriter.  My day job, however, is a little different.  My current work includes search engine optimization for a life insurance website.  If you’re here reading this right now, you can probably guess that that website is Wholesale Insurance (www.wholesaleinsurance.net).  While this is my day job, it is not my life’s aspiration to make it as a life insurance agent (however, if the music doesn’t work out, then maybe that’s where I’ll turn).  Instead, my goal is to be a popstar.  I want to be a singer.  I want to write and sing music that people will want to listen to.  From here on out, you’ll be able to live through my heartaches and frustrations, triumphs and trials.  You’ll be able to go along with my on my journey to the top.  Hope I enjoy the ride!

I was recently discussing term life insurance with a friend.  He had mentioned to me that he just purchased a universal life insurance policy.  I thought that was interesting and asked him why.  He said that he didn’t really need life insurance (doesn’t have a family, kids, or too much debt), but that he wanted to use the life insurance policy as an investing vehicle.  Many people may not know, but there are certain life insurance policies where you can borrow against the money or cash value within the policy.  It’s all very interesting.  If you have questions about this type of policy and whether or not it would be a good thing for you, give the folks at Wholesale Insurance a call.  They’re very good at answering questions and steering people towards the most appropriate type of life insurance for each situation.

It can be easy online to focus on which company or website offers you the best life insurance quotes.  Often times we assume that because a website is showing us a rate, we for sure can get that rate.  The problem with this line of thinking is that most websites (in fact none that I have ever come across) do not have the ability to give you a perfectly accurate quote.  The best that any site can offer is a basic quote based on simple criteria.  Unfortunately, life insurance companies use more than this simple criteria when determining your health class (and subsequently the best rate that they will offer you).

So, what should you do?  Still pay attention to the quotes.  They are real rates whether or not you qualify for them.  Then, when you speak with the customer service representatives from whatever website you apply on, make sure that they get more information and are sure that you can qualify for the rates for which you are applying.

I would suggest working with a company that has an excellent track record for helping people like you get life insurance.  I’ve found that the folks at Wholesale Insurance really know their stuff.  They will be honest with you and tell you which rates from which company you actually can get.

I was just explaining to a friend today that the cheapest form of life insurance is term insurance.  Term insurance is a life insurance policy that covers you for a specific period of time.  Most term policies are also level premium life insurance policies.  This means that the premium remains the same for the duration of the term.  The reason term insurance is the most inexpensive form of life insurance is that it does not build up any cash value, and it does not cover you for your entire life.  The shorter the term period, the more inexpensive the policy will be.  If you are looking for the best term insurance rates for you, check out Wholesale Insurance.  They offer quotes from all of the top life insurance companies on their website.  You can decide which policy and company are right for you.  And if you have questions, their customer service representatives are all very helpful and knowledgeable.

There are two types of mortgage insurance:  mortgage life insurance (which is life insurance purchased to cover your home mortgage in case you pass unexpectedly), and private mortgage insurance (insurance you pay for to protect your mortgage company should you default on payment).

Mortgage life insurance is the kind I know about.  If you have recently purchased a home and are thinking about getting mortgage life insurance, you should definitely consider it.  You don’t necessarily have to buy a policy just to cover you mortgage, but that is one way you can do it.  Having life insurance protection is important, especially if you have a young family.  If you were to die unexpectedly you could leave behind financial protection for the ones you love.

Currently there are many sites online where you can quote life insurance rates.  It really doesn’t matter which one you use, but I would suggest using one that quotes as many companies as possible.  That way you can see and compare all of the different life insurance quotes in one place, instead of having to deal with multiple agents from multiple companies.

Also make sure that the company you work with looks and sounds knowedgeable.  If an agent knows their stuff, they’ll be able to direct you towards the company that will give you the lowest rates.  There are so many things that affect rates (dmv records, health, health history, family health history, height/weight, etc.), and every company looks at those things differently.  Having someone on your side that knows what each company looks for will help you find the life insurance policy that is the best for you.

So the name of this blog is Term Life Insurance Digest.  Here I talk about lots of things relating to term life insurance.  You’ll notice that I also throw some things in having to do with my life.  It’s not all about term life insurance, but you’ll see that the majority of my posts have to do with insurance.

I think term life insurance is very important.  Not everone needs it, but there are lots of different types of people that should have it.  I think that often the people who need it the most don’t have it.  If you are married, young, have little children, and are struggling to pay the bills, then you probably need it the most.  Once you make a lot of money and have lots of savings, it’s less likely that you’ll actually need the life insurance proceeds (unless you have a lot of debt, or various other reasons).  But if you are a young married couple, and especially if you have young children, then you should definitely get life insurance.

Term life insurance, also known as level premium life insurance, is probably your best bet.  It’s the most inexpensive form of life insurance.  And if you are in your twenties or thirties it is very reasonably priced.  For ten bucks a months you could have a lot of protection.

Anyway, you can see that I feel very passionately about this.  (Or if you can’t see it, just believe me.  I am passionate about it :).  If you want to see how much it would cost for you, there are many life insurance websites out there.  Try typing in “term life insurance” into google and see what comes up.  Many of those websites will give you free term life insurance quotes.  Make sure you look at a site that quotes multiple companies.  The prices can vary a lot more than you might imagine.

Buy/sell insurance is normally purchased by a company with two or more partner owners.  Each person (or the company, it can be structured in different ways) buys a policy on the other partner.  If one of the partners dies, the surviving partner or partners use the life insurance proceeds to purchase the deceased partner’s portion of the business.  There is usually a contract that goes along with the purchase of buy/sell life insurance, stating the terms of the buy/sell agreement.

I actually know of a case of dentists that were partners.  They considered getting the buy/sell policies on each other.  One of the dentists got the policy; the other did not.  A few months later, the one that got the policy died of a sudden heart attack.  If the surviving partner had also purchased a buy/sell life insurance policy, he could’ve easily paid the widow for the deceased partner’s portion of the business.  But instead there was a lot of drama.

A buy/sell agreement with life insurance is not always appropriate for all companies.  However, it can be a great investment and insurance plan for partnerships and other small businesses.

My sister-in-law just gave birth to a large baby boy.  Nine pounds three ounces.  I don’t think they’ve given him a name; still can’t decide on one that they like.  It’s sweet that now I’ve got 14 nieces and nephews.  Last night I stayed with my brother’s kids while he was at the hospital with his wife.  I still haven’t seen the baby in person (I’m sick right now), but I’m really excited to see him.  He’s got a lot of blond hair.  Very cool.