Frequently Asked Questions
Life Insurance
- What is Term Life Insurance?
- What are the three basic types of permanent life insurance and tell me how they work.
- How does life insurance really work?
- I hear the terms "insurance" and "assurance". How are they different?
- What are the types of life insurance that are available?
- What is the difference between temporary and permanent life insurance?
- I've heard that life insurance is the most tax privileged investment in the United States. What are these privileges?
- What are life insurance riders?
- Are there any other important life insurance plans that I should be aware of?
- Tell me about the history of life insurance.
- How much is my Human Life Value?
- What is dividend paying whole life insurance?
- Should I buy term and invest the difference?
- How much life insurance do I need?
- Is it true that life insurance is probate free, and avoids most legal tangles?
- Explain Life Insurance to me....
Financial Products
- What is meant by the term "tax deferred annuity"?
- What is the difference between fixed annuities and variable annuities?
- I want to know about the taxation of annuities and the growth advantages.
- What kind of info can you give me about Individual Retirement Accounts (IRAs)?
- What are the current limits of the various retirement vehicles such as IRAs, 401Ks, etc.?
- What are the limits of an IRA?
- What is a Roth IRA and what are the deposit limits?
- Who is eligible for an IRA?
- What is a Simple IRA?
- What is a SEP?
- Who makes and administers an annuity?
- What is an indexed annuity?
- What is an immediate annuity?
- Why do my wife and I need a will?
- What is a "Sweetheart" or "I love you will"?
- How can I control my children's future in my will?
- Is my annuity safe?
- What is my most valuable asset?
- What is the real downside of all government sponsored retirement plans?
- Why would I move my C.D. to a fixed annuity?
Health Insurance
- What is a health savings account?
- What is a PPO health plan?
- What is medical co-insurance?
- How does a high deductible medicare supplement plan work?
- Who can have a Health Savings Account?
- How does the Health Savings Account differ from the older Medical Savings Account (MSA)?
- How much disability income insurance can I get?
- If disabled, how hard is it to receive Social Security Disability Benefits?
- What is "sick or hurt" insurance?
- To whom and how does critical illness insurance pay?
- How can the benefits of a critical illness insurance plan be used by you?
- How much is the premium for critical illness insurance?
- How much long term care insurance benefit should I purchase?
- When should I purchase long term care insurance?
- What type of long term care insurance plan should I purchase?
- Which companies are the best rated and the most experienced in long term care insurance?
- Are Long Term Care premiums tax deductible?
- How can a business benefit from the all new critical illness health insurance plan that has just entered the United States from Europe?
- How did critical illness insurance begin?
- What is critical illness insurance?
- How many illnesses are covered under a critcal illness policy?
- Is there a child or children health insurance plan available?
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info@bcbstexas.com / (800) 583-5865