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Save on Life Insurance Bossier City LA

What else can you do? You have many options. Here are 10 more ways you can save on life insurance. Read on and know more.

David Bryan Romero (RFC®), CHFC
(318) 795-0660
8848 Youree Drive
Shreveport, LA
Company
Executive Financial Group
Qualifications
Education: Business Background
Years of Experience: 23
Membership
IARFC, MDRT, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, CommOptions, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, Healthcare Accounts, Asset Protection, BuySell, Compensation Plans

Data Provided by:
Chad Olivier
4609 Bluebonnet Blvd
Baton Rouge, LA
Company
Title: CERTIFIED FINANCIAL PLANNER
Company: The Olivier Group, LLC
Type
Investment Advisor Rep: Yes
Education
Northeast LA University/ Finance minor Economics
Years Experience
Years Experience: 14
Service
Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Fee Only Portfolio Management,Wealth Engineering,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Fun

Data Provided by:
Mr. John E. Worrel (RFC®), LUTCF
(504) 831-4494
3200 Ridgelake Drive, Suite 215
Metairie, LA
Company
Acacia Financial Group, LLC
Qualifications
Years of Experience: 15
Membership
IARFC, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Education Plan, Asset Protection, BuySell

Data Provided by:
William M. Stewart (RFC®), CSA, LUTCF
(985) 809-0530
6 Ivy Lane
Covington, LA
Company
WMS Group
Qualifications
Years of Experience: 22
Membership
IARFC, NAPFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, personal Coach, 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, Business Coach, Education Plan, Healthcare Accounts, BuySell, Compensation Plans

Data Provided by:
Dwight Fontana
2895 Highway 190, Suite 224
Mandeville, LA
Company
Title: Registered Representative Investments
Company: Lasalle St. Securities LLC., Member FINRA / SIPC
Education
Bachelor of Science,1980
University of New Orleans
Business Administration
Years Experience
Years Experience: 26
Service
Wealth Management,Life Insurance,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Health Care Insurance,Retirement Planning,Investment Consulting & Allocation Design,Planning For Personal Finances & Budgeting,Asset Protection Strategies & Planning,Alternative Investments,Annuities,Long-Term Health Care Planning,Insurance & Risk Management Planning,Retirement Income Accumulation Planning

Data Provided by:
New York Life Insurance
(318) 227-5013
401 Edwards St Ste 1700
Shreveport, LA
 
Sammy J. Grezaffi (RFC®), CLU
(225) 638-3348
1101 1/2 Hospital Rd
New Roads, LA
Company
Grezaffi Financial Services LLC
Qualifications
Education: BS
Years of Experience: 40
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Pension Planning, Executive Compensation Planning, Retirement Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, BuySell, Compensation Plans

Data Provided by:
Mr. Mark K. Mauer (RFC®), LUTCF
(985) 626-6969
1228 Florida Street
Mandeville, LA
Company
Mauer Financial Group, LLC
Qualifications
Education: BA
Years of Experience: 26
Membership
IARFC, MDRT, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, Pension Planning, personal Coach, Retirement Planning, Medicaid Planning, Tax Planning, Seminars Work, Employee Benefits, Mutual Funds, CommOptions, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Auto Home Insurance, Business Coach, Education Plan, Healthcare Accounts, Charitable Foundations, Asset Protection, LiabCover

Data Provided by:
Oscar Lee Nugent (RFC®), MBA
(985) 649-1930
659 Old Spanish Trail
Slidell, LA
Company
Wealth Management & Planning Group
Qualifications
Education: MBA, AXA Advisors financial planning certification.
Years of Experience: 25
Membership
IARFC, FPA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, 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, Group Insurance, Charitable Planning, Education Plan, Charitable Foundations, Asset Protection, BuySell, Compensation Plans

Data Provided by:
Fred Palmer
39394 Bradbury Lane
Prairieville, LA
Company
Title: Managing Director
Company: Strategic Financial Partners, LLC
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Service
Portfolio Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,Life Insurance,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Fee-Only Comprehensive Financial Planning,Fee Only Portfolio Management,401k Rollover From Employer,Wealth Management,Investment & Portfolio Management,Business Succession & Liquidation Planning,Estate Tax Planning,Hourly Financial Planning Engagements,Pension for Highly Compensated Owners,Income for Life/

Data Provided by:
Data Provided by:

Top Ten Tips to Save on Life Insurance

Provided By: 

Top Ten Tips to Save on Life Insurance

Looking to save money on your life insurance? If you are willing to do a bit of work and consider alternatives in your search, you could save yourself a lot of money.

The most important thing, first and foremost, is to shop around. There are hundreds of insurance companies offering a wide variety of plans and prices. Different companies could have different claim experiences and therefore have very different rates. You could save big bucks, just by doing some comparison-shopping.

What else can you do? You have many options. Here are 10 more ways you can save on life insurance:

  1. Consider term insurance over whole or universal life .

    Term insurance is insurance and insurance only. Unlike whole life policies that have a savings component, you just get life insurance. As a result, you can actually save money on premiums with term insurance. In fact, according to one insurance association, the cost of a universal or whole life policy could be 8 or 9 times more than for term insurance with the same death benefit!

    Having said that, if whole life is your preferred policy, there are still ways to save some money and get the insurance that you want. A big part of the costs associated with whole life insurance are administration fees. If you are willing to check around, you may be able to find companies that sell “no load” or “low load” policies. As always, check any fine print when buying these kinds of products, to ensure there are no hidden charges and that you are getting exactly what you expect.

    Do keep in mind that if you choose whole life, it doesn't really give you the full benefit's of a savings vehicle. Any partial withdrawals or loans will reduce your death benefit. Also, if you partially withdraw or take out a loan against your cash value, and the cash value exceeds the premiums you have paid into the policy, you will be hit with a tax bill. Finally, every year you own the policy, more of your premium money goes to pay for the cost of insuring you and less of it goes toward the cash value. Why? Because your risk of death increases and the cost of your insurance component therefore increases.
  2. Look for no-commission policies if possible

    What is a “no-load” insurance policy? Well, first of all, it's really more accurately a “low-load” life insurance policy. Such policies have fewer expenses built into them, such as agent commissions and fees for marketing. This can mean lower premiums to you.

    How can you get a no-load policy? You need to buy from a financial advisor who will charge a “flat fee” rather than collect a commission. The flat fee will normally be lower than the built-in cost of commission.

    You can also buy no-load policies direct from an insurance company. If the company is selling without an agent, there is less cost to them and potential savings to you. More and more insurers are selling directly via the Internet. It's worth checking out.
  3. Avoid a gua...

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