All articles by Donald Lusan

  1. 10 Year, 20 Year And 30 Year Term Life Insurance by Donald Lusan

    Let us take a look at the 10 year, 20 year and 30 year term life insurance policies.
  2. Small Business Life Insurance Needs by Donald Lusan

    ave You Given Any Thought To Small Business Life Insurance?
  3. In Praise Of Whole Life Insurance by Donald Lusan

    Whole life insurance even though it is not the least expensive life insurance policy you can buy can still fulfill the needs of some. Why some people have such an aversion to this policy I will never understand. Term insurance is also good insurance and can fit into more situations than whole life because of the low cost. More people can afford it. Both types of life insurance serve the same purposes, however, when you buy
  4. Viatical Settlements, Or Life Insurance Settlements by Donald Lusan

    When I first heard of viatical settlements, or life insurance settlements, I shuddered at such a dastardly idea. I even put into words my deep feelings. You see I spent many years in the life insurance business and have seen the product work for the betterment of so many. I could not conceive of a pleasant result when one deprives the beneficiaries of what was due them. I guess I had not given the idea much
  5. The 5 Year Term Life Insurance Policy Or Rider by Donald Lusan

    5 year term life insurance has been around in insurance circles for a very long time. It can be sold as a policy or as a rider to a permanent life insurance policy. It was never promoted much by life insurance agents perhaps because of it's extremely low premium which results in a very low commission. Another possibility is that 5 years is a very short period of time for a life insurance policy.
  6. 10 Year Term Life Insurance In All It's Glory by Donald Lusan

    If you are looking for inexpensive life insurance may be the 10 year term life insurance policy would fit your need perfectly. This is life insurance in its simplest form. The policy contains a guaranteed death benefit from the outset and a guaranteed level premium. After the initial 10 years some life insurance companies allow you to renew the policy for an additional 10 years at an increased premium. This 10 year term policy provides you
  7. Mortgage Life Insurance & Mortgage Redemption and Cancellation Life Insurance by Donald Lusan

    Mortgage life insurance is one of the most important life insurance policies a person who owns a home can buy. Since the ownership of this home is probably the largest investment for most people it is imperative that your investment be protected in the event of premature death. I want to take some time to discuss alternative plans that can be used to do this.
  8. Advantages Of Whole Life Insurance Policies by Donald Lusan

    When you consider the advantages of whole life insurance policies I hope you will conclude that this is life insurance worth owning. I have no objection to term life insurance and even owned some when I was much younger. Each type of policy has it's place and it's own function. I cannot, for the life of me, understand why some people never have appreciated this. I refer to the term advocates who seem to hate the
  9. Term Life Insurance Vs Permanent by Donald Lusan

    Ever since the idea of term life insurance came to the mind of man term life insurance vs permanent has been the center of active and thought provoking debate. Term insurance is without question cheaper than permanent life insurance but when compared with the value built into the latter people have varying ideas as to which is best. What about the cash values and dividends you get from permanent policies? Do you just ignore these? How
  10. Term Life Insurance. What Is It All About? by Donald Lusan

    What is term life insurance? You have an interest in buying term life insurance, that is why you are reading this article, and you want to know how it really works. Right? Well, there are many types of term life insurance and I am going to give you a brief explanation as to how each one works.