Life insurance has been around in some form for centuries, but the concept of modern life insurance as we know it today originated in England in the 17th century. The first life insurance company, the Amicable Society for a Perpetual Assurance Office, was founded in London in 1706. The company offered life insurance policies to provide financial protection for families of deceased members.
 
The primary reason for the invention of life insurance was to provide financial security to families in the event of the primary breadwinner's death. Before the advent of life insurance, families would have to rely on charity or the support of relatives if the breadwinner died. The creation of life insurance allowed families to protect themselves from financial hardship in the event of the primary breadwinner's death.
 
Initially, life insurance policies were sold only to the wealthy, as the cost of premiums was high. However, over time, life insurance became more accessible to the middle class, and it is now a widely used financial product that provides financial protection to millions of people worldwide.
  

Life insurance is a financial product designed to provide a death benefit to the beneficiaries of the policyholder upon their death. It is essentially a contract between the policyholder and the insurance company, where the policyholder agrees to pay a premium in exchange for the promise of the insurer to pay a lump-sum amount to the beneficiaries upon the policyholder's death.
Choosing the right life insurance policy depends on several factors, such as the policyholder's age, health status, financial goals, and the needs of their beneficiaries. There are several types of life insurance policies to choose from, and each has its unique features and benefits. The three main types of life insurance policies are:
 

1. Term life insurance: This type of policy provides coverage for a specific period, typically 10, 20, or 30 years. It is the most affordable type of life insurance, and the premiums are fixed for the term of the policy. Term life insurance is ideal for people who need coverage for a specific period, such as those with young children or a mortgage.
2. Whole life insurance: This type of policy provides coverage for the policyholder's entire life, and the premiums are typically higher than term life insurance. A portion of the premiums is invested by the insurer, and the policyholder can borrow against the cash value of the policy. Whole life insurance is ideal for people who want lifelong coverage and the option to build up cash value.
3. Universal life insurance: This type of policy provides coverage for the policyholder's entire life, and the premiums and death benefit can be adjusted. A portion of the premiums is invested by the insurer, and the policyholder can borrow against the cash value of the policy. Universal life insurance is ideal for people who want flexibility in their coverage and premiums.

 
To choose the right life insurance policy, the policyholder should consider their financial goals and the needs of their beneficiaries. For example, if the policyholder wants to ensure their children's education expenses are covered, they may opt for a term life insurance policy that covers the period until their children graduate. If the policyholder wants to leave a legacy to their beneficiaries, they may opt for a whole life insurance policy that provides lifelong coverage and builds cash value over time.
 
The policyholder should also consider their budget when choosing a life insurance policy. Term life insurance is typically the most affordable option, while whole and universal life insurance policies have higher premiums.
In addition to choosing the right type of policy, the policyholder should also choose a reputable insurer with a good track record of paying claims. The policyholder should research the insurer's financial strength and read reviews from other policyholders to ensure they are making an informed decision.
 
Overall, choosing the right life insurance policy requires careful consideration of the policyholder's financial goals and the needs of their beneficiaries. It is essential to do research and consult with a financial advisor to ensure the policyholder makes an informed decision that provides the desired level of protection and meets their budget constraints.
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Life insurance premiums are based on several factors, including the policyholder's age, health, and lifestyle. Generally, the younger and healthier a person is, the lower their life insurance premiums will be. Here are some tips to help you get the best price for life insurance based on your age:
 

1. Buy life insurance while you are young: Life insurance premiums increase as you get older. The longer you wait to buy life insurance, the more expensive it will be. If you are young and healthy, consider buying a term life insurance policy with a long term, such as 20 or 30 years. This will lock in your premium at a lower rate for the duration of the policy.
2. Maintain a healthy lifestyle: Insurers look at your health and lifestyle factors when determining your life insurance premium. Maintaining a healthy lifestyle, such as exercising regularly, eating a balanced diet, and avoiding tobacco and excessive alcohol consumption, can help you get a lower premium.
3. Shop around: Different insurers offer different rates, so it's essential to shop around and compare quotes from multiple insurers. Consider working with an independent insurance agent who can provide you with quotes from multiple insurers to help you find the best price for your coverage.
4. Consider a group policy: Some employers offer group life insurance policies as part of their benefits package. These policies may be less expensive than purchasing an individual policy on your own, so it's worth considering if it's available to you.
5. Consider a term policy: Term life insurance policies are typically less expensive than permanent policies, such as whole life or universal life insurance. Consider purchasing a term policy if you are looking for affordable coverage.

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Overall, the key to getting the best price for life insurance based on your age is to start early, maintain a healthy lifestyle, shop around, and consider your options carefully before choosing a policy.

Nestlé has just sold Gerber Life Insurance, to Western & Southern Financial Group.  the sales price is $1.55 billion.

W&S (Western & Southern) has a number of financial services businesses.  W&S will have a long-term license for Gerber IP, related to financial services.  Transaction is subject to approval by New York regulators.

The Gerber brand is known for kids and family life insurance.  In 2017, Gerber had sales of $856 million.

W&S has $52 Billion in insurance currently, with 3.6 million policies.  After the purchase, W&S will have $77 billion in assets under management.  W&S CEO, John Barrett, said, "We aredelighted to welcome Gerber Life to our family. This iconic and trusted consumer brand is a compelling fit for Western & Southern, which has always been a human institution serving human needs with tailored financial solutions that are easy for our clients to understand. Our two companies share a common mission of providing financial strength and security to the ones we love. Having a long-term relationship with a venerable company like Nestlé that has similar values was an important aspect in our acquisition of Gerber Life.”

Gerber has 500 employees, and most will be retained.  W&S will not be acquiring the Gerber products business, which sells baby food and babe care products.  Nestle is evolving, as good businesses tend to do; they are investing in their core business areas hwich are food and beverage, and consumer health.

There are many places called Creson Insurance - both agents with last name of Creston, and for agents in cities called Creson - in various US states.  But the best way to find insurance, is to just use a search engine!
 

 
​We worked with Google to create a Custom search engine - where all of the results are focused on Life Insurance.  So you get better results.   You can search for Life insurance, Health insurance, Car insurance, Disability insurance, and more.  

Good luck in your search for insurance!

There are many insurance agents named 'Levesque', in various US states.  But the best way to find insurance is to just use an internet search.  We have our own, Custom search engine - it is custom because, we worked with Google so that the search results are more focused on just insurance!  Our search results are better!  Try it now:
 

 
Whether you are looking for life insurance, health insurance, car insurance, disability insurance, or other types - you can find it with our search engine.  Everyone should have health insurance, and if you have children or assets like a home, you really need to have life insurance, too.

There are several insurance companies called 'Plesshaire' or 'Pless Haire', in various US states.  The easiest way to find insurance is to just use a search engine.  But our search engine below is better - it is a Custom search engine, where all results are focused on insurance.   You will find more results that are relevant.  Give it a try!
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​Everyone needs health insurance, and most adults should also get life insurance.  You can also use our website to get a life insurance quote - and we are very discreet.

Good luck in your insurance search!

The first sickness insurance law was voted into place in 1884.  It allows workers to have insurance when they are sick.  It still exists today, more commonly called 'Health Insurance' when it refers to common workplace insurance.  But now you can buy specific plans just for critical illness insurance and other types of specific sickness insurance. Sickness insurance can pay you monthly benefits, while you recuperate.  You can use our search box right now to find sickness insurance; this is a 'Custom Search' that we created, working with Google - all results are more focused on insurance:

 
​​Sickness insurance is a supplemental insurance plan, in addition to the insurance you have from work, that has additional coverage; and benefits are paid directly to you, not your doctor.  There is also supplemental disability insurance, and long-term care insurance that you can buy.   Some people buy comprehensive sickness insurance in case of accidents; if you engage in extreme sports or other risky endeavors, talk to an insurance agent today to add the right kind of additional insurance.  People with a large mortgage for example might consider accident, sickness, and disability insurance.
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You can visit our site, COMPREHENSIVESICKNESSINSURANCE.NET to apply today. If you have any questions, Contact Us.   You can also search right here, using our Custom Search Engine - our search box focuses all results just on insurance:

Good luck!

There are many insurance agents in Olympia.  You can use Google search to find them.  It depends on which Olympia you live in; many states have a city called Olympia!  We have a custom search engine that has more insurance results than a regular search box:
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​If you have any questions about life insurance in Olympia, please email us.

You can find life insurance, health insurance, car insurance, and more.

Health insurance in the US is complicated; life insurance is much simpler.  While most countries of the world have moved to a single-payer health system where everyone gets health services, the US continues to have insurance companies.  It seems to be a fact of life, and one that the poor must struggle against in order to get health care.

The Obama administration created the PPACA (Patient Protection and Affordable Care Act). Under PPACA, the less you earn, the more affordable insurance becomes.  It is a concept that seem to be working here.  But if you do not want health insurance, you have to pay a fee; this is part of how the PPACA is paid for.  This has created controversy.
 
The current US congress is trying to replace the PPACA with the AHCA. The first try in Congress failed, but senate Republicans keep trying to come up with something that will work.  Traditional Republican ideas, like Vouchers, are also going to be exclusionary and will not help poor people in any kind of comprehensive fashion.
 
What would be ideal is to simply expand Medicare to everyone.  A simple model, it could help all poor people, and then on top of Medicare you could have private insurance policies for those with money who want higher levels of care.  This may be the best answer in the long term for the US - if Congress would ever get brave enough to do it.

Here are some of the things going on in the world of insurance.

"Price Optimization" is a technique used by insurance companies to target certain groups.  Studies have found that certain groups are less likely to shop around, and more likely to buy insurance at higher rates.  This includes the elderly, and teens.  Some insurance companies will take the top 1% or 2% in these demographics and raise the rates.  The solution for you is, always shop around; and help your family members too

'Obamacare' policies have hit 7 million now; that means that these federal programs are helping a lot of people, including people who might not otherwise afford health insurance.  Hispanics are still lagging in signups and so more outreach effort is needed. Many of the state exchanges had some initial software problems, but most of those have been fixed now.

Small Insurance "Co-Ops" are growing in popularity, and effectiveness.  They can save a lot of money, and members have a say in how they operate.  Here is an excellent article from NPR on these Co-Ops.
 
Insurance rates are rising; and this has nothing to do with 'Obamacare'.  Insurance companies continue to find ways to squeeze consumers.  Rates have risen 15% on average from 2010 to 2014; most of the rise was in 2010.  Employers are changing the plans they offer, and rates do vary by state.

Tickets can raise your car insurance premium; the worst ticket is DUI, followed by 'Reckless driving'.  A DUI ticket can raise your rates by up to 93%; Reckless driving averages an 82% rise.  Others include Careless Driving (27%), Speeding (up to 30%), Failure to Stop (19%), Failure to Yield (19%), Carpool Violation (18%).  Some tickets, in some states, can be 'erased' by attending Traffic School.


Republicans continue their fantasy to repeal Obamacare.  What is particularly troubling is that they offer no alternative help.  People need insurance; Republicans do not seem to understand this.  They are banking on the hope that the poor, who are uninsured, are not voters - but this is not the case anymore.  For example, Bobby Jindal wants to simply take away your insurance - read about it here.

There are many new quality websites online for insurance.  We see new sites all the time. We are developing three new sites ourselves; they are still under development.  They are InsurancePrograms.com, LifeInsuranceDirectory.com, and HealthInsuranceDirectory.com.  

Another life insurance website we saw recently is Bankers Life and Casualty Company; they are new site, and worth checking out. They are a  provider of Fixed Annuity and SPIA products.  They can optimize your portfolio.  Reinsurance is a key part of their business.

Reinsurance in general means risk management; it is a form of insurance bought by an insurance company, from another insurance company.  Reinsurance is to reduce or manage risk; but there are other reasons that companies engage in reinsurance products.  To learn more, click here.