Here are a few things to keep in mind when it comes to mortgage insurance:

• Traditional Mortgage Insurance is usually purchased without a medical examination. These policies have a blended rate and are much higher in price than a fully underwritten term life insurance policy.
• You should look at a fully underwritten policy to lower your life insurance costs.
• Some of the old 30 year mortgage products only have a 10 year rate guarantee.  In other words, after 10 years, the insurance company can increase your premium.
• If you have a current mortgage insurance policy, check your coverage and contact us.  You may be able to have a fully guaranteed policy with a lower premium.

We at Stuart Woodbury Insurance pride ourselves in providing low cost life insurance.  Our 25 years of experience have taught us to focus on the needs of our clients in an honest and straightforward way. With a mission to provide the lowest cost term life insurance policy available, we’re always here to help.

Life insurance is an important financial step to consider for couples that are not married.

Here are a few things to consider:

• Life insurance for unmarried couples can be used to pass on assets while maximizing estate tax savings. (Savings can then be used to pay off any remaining mortgages, cover living expenses, or supplement the surviving partner’s replacement income or retirement.
• Non-married couples can find it difficult to legally prove that, in the unexpected death of one partner, the remaining partner would be hurt financially.  Accordingly, it is recommended that a non-married couple obtain a written domestic partner agreement to prevent any future unforeseen problems.
• Couples can also transfer ownership of a policy directly to the said chosen beneficiary.

It is recommended that couples who are not married check with their life insurance company to verify what policies work best for their family’s needs.  Life insurance is a way to financially plan for your family’s future, despite what your marital status may be.

There are plenty of insurance companies out there who want to help you.  Many of them, however, will try to sell you cheap term life insurance policies that aren’t suited to your needs.

Why choose Stuart Woodbury Insurance?

We will get you the low cost term life insurance policy that’s best for you.

We will give you unbiased and objective information on your life insurance needs. With our free, instant quote form to the right, we can get the information necessary to compare hundreds of different life insurance companies’ rates for you.

Our clients are provided with unbiased financial information from recognized ratings organizations on any life insurance company we recommend.

Our recommendations are based on important facts that will make a difference in your rates.  These important facts are some of the very questions that other term life insurance companies won’t ask (i.e. are you a smoker, do you have a family history of certain cancers or heart heart problems, etc.), which may result in higher rates to the insured. The cheapest life insurance policy is not always the only thing to look for. It is important you find an affordable, low cost policy that meets your personal needs.

If you own a small business, the life insurance policy chosen for your company is an important decision to make. The considerations of small business owners are different than those individuals who do not own a business, especially in regards to life insurance policies.

Here are a few questions to consider –

• How will my survivors continue to operate my business?
• Will my survivors be forced to sell my small business?
• As a small business owner, will you offer life insurance to your employees? – This would be beneficial in covering the families of your employees.
• What will happen if an essential employee dies? – It may be beneficial to your company in insuring this employee in the interest of your small company.

Stuart Woodbury Insurance would like you to consider working with us on finding the appropriate insurance policy for small business owners. We pride ourselves with over 25 years of experience and in providing our customers with honest and straightforward advice when it comes to life insurance policies. Our mission is to provide you, the customer, with the lowest cost life insurance policy available.

Deciding which life insurance policy is right for you and your family can be confusing and stressful. Here are the 3 most common life insurance products in order for you to get a better understanding of what each one provides.

Term Life Insurance

• Best type of life insurance to purchase for most situations.
• Insurance coverage for families or businesses.
• Term policies can be purchased with a guaranteed level premium ranging from 1 to 30 years depending on your state.

Whole Life Insurance

• Form of a permanent life insurance.
• Offers lifetime benefits at a fixed premium as long as fixed premium is paid.
• Drastically more expensive than Term Life Insurance.

Universal Life Insurance

• Form of permanent life insurance.
• Tax-deffered savings account (similar to Whole Life Insurance) while allowing the insurer with more flexibility and control to design their own insurance plan.
• Allows the insured more options – such as changing the amount of premiums as long as sufficient cash value to pay monthly mortality charges and cost of insurance.

We at Stuart Woodbury Insurance pride ourselves with contacting our valued customers with annual reviews of the policy initially selected to be sure it still fits the clients current needs and is still the best price available in the marketplace. We at SWI, Inc. have the technology, expertise, and knowledgeable staff to make the process of buying life insurance simple and convenient.

Choosing the right insurance is an important decision. Term life insurance is the most recommended insurance to get. It is also important to note that there are several different options when it comes to term life insurance. We recommend that you consider how long you will need the insurance coverage and a plan that provides the least expensive guaranteed level premium over the predetermined period of time. Keep in mind factors such as the ages of your children, if you have any, and the age at which you plan on retiring. You will then have money left over to invest according to your personal lifestyle wants and needs.

We at Stuart Woodbury Insurance Incorporated (SWI) understand that choosing the right plan for your specific wants and needs can be confusing and frustrating. Stuart Woodbury Insurance, Incorporated is here to help you through the process of choosing the perfect life insurance plan that fits your needs. We have been a leader in the life insurance brokerage business for over 25 years and we pride ourselves in focusing on the needs of our clients in an honest and straightforward way. We are available to answer any and all questions you have concerning life insurance policies and will assist you in making the perfect choice for you and your family.