LifeGuy.com http://lifeguy.com Life Insurance is Love Insurance. LifeGuy helps families in the times of need. Life, Retirement, Mortgage Ins. and Disability Insurance. Fri, 17 May 2013 16:23:40 +0000 en-US hourly 1 http://wordpress.org/?v=3.4.2 Funny jingle – 239-LIFE-GUY cowboy style http://lifeguy.com/funny-jingle-239-life-guy-cowboy-style/ http://lifeguy.com/funny-jingle-239-life-guy-cowboy-style/#comments Fri, 17 May 2013 01:45:42 +0000 LifeGuy http://lifeguy.com/?p=2217 We loved this video from our Camp Cookie cowboy friend; I know you’ll enjoy it! Let us know if you liked it in the comments below.

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]]> http://lifeguy.com/funny-jingle-239-life-guy-cowboy-style/feed/ 0 “You’re Fired!” – and Your Mortgage is Due Tomorrow http://lifeguy.com/youre-fired-and-your-mortgage-is-due-tomorrow/ http://lifeguy.com/youre-fired-and-your-mortgage-is-due-tomorrow/#comments Thu, 16 May 2013 20:35:42 +0000 LifeGuy http://lifeguy.com/?p=2206 You never want to hear those words. However, it may happen. Do you have a “plan B”? Will you find another job soon enough  that you’ll be able to keep up with your expenses? Your bills will need to be paid. What if you can’t pay your mortgage?   Don’t lose your home just because [...]

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]]> http://lifeguy.com/youre-fired-and-your-mortgage-is-due-tomorrow/feed/ 0 Declined, Rejected, Postponed or Rated for Insurance? You still have options http://lifeguy.com/declined-rejected-postponed-or-rated-for-insurance-you-may-still-have-options/ http://lifeguy.com/declined-rejected-postponed-or-rated-for-insurance-you-may-still-have-options/#comments Tue, 14 May 2013 18:49:20 +0000 LifeGuy http://lifeguy.com/?p=2192 Do you find it hard to get the insurance you need? As independent insurance brokers, we have a large portfolio of “A” rated insurers that allows us to find great coverage even if you have been declined before. Life Insurance, Disability Insurance, Long-Term Care, Medicare Supplements, Final Expense – we have the solutions you need. [...]

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]]> http://lifeguy.com/declined-rejected-postponed-or-rated-for-insurance-you-may-still-have-options/feed/ 0 Alternative to Workers’ Comp – Disability Insurance for employers and business owners who can opt-out of WC http://lifeguy.com/alternative-to-workers-comp-disability-insurance-for-employers-and-business-owners-who-can-opt-out-of-wc/ http://lifeguy.com/alternative-to-workers-comp-disability-insurance-for-employers-and-business-owners-who-can-opt-out-of-wc/#comments Sun, 12 May 2013 05:19:11 +0000 LifeGuy http://lifeguy.com/?p=2179 Oklahoma and Texas now allow some employers to opt-out of the traditional Workers’ Compensation plans and find alternative coverage to protect their employees against income loss due to medical issues. Other states may also allow only the business owner to opt out of W.C. coverage for the owners. What are the options to replace the [...]

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]]> http://lifeguy.com/alternative-to-workers-comp-disability-insurance-for-employers-and-business-owners-who-can-opt-out-of-wc/feed/ 0 Emergency Fund, Insurance, or Both? “Rainy days” may require more planning on your part http://lifeguy.com/emergency-fund-insurance-or-both/ http://lifeguy.com/emergency-fund-insurance-or-both/#comments Sun, 12 May 2013 02:32:59 +0000 LifeGuy http://lifeguy.com/?p=2164 You’ve heard that a million times (I hope): “Have an emergency fund!”. “Pay yourself first!”. “Save! Save! Save!”. No matter how strict you are with your budgeting and saving for emergency situations, you still can’t take the unknown out of the equation: “How long will my emergency fund last, if something happened?” “Something” could be [...]

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]]> http://lifeguy.com/emergency-fund-insurance-or-both/feed/ 0 The ATM Machine in Your Living Room http://lifeguy.com/the-atm-machine-in-your-living-room/ http://lifeguy.com/the-atm-machine-in-your-living-room/#comments Fri, 03 May 2013 18:04:02 +0000 LifeGuy http://lifeguy.com/?p=2114 What if you had an ATM in your living room? If you had an ATM that would give you $50,000 cash every year, would you insure it against damage or outage? You certainly would! You already insure some of your lower valued items, like your car (a necessity, not a money-maker), your home (maybe your [...]

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]]> http://lifeguy.com/the-atm-machine-in-your-living-room/feed/ 0 Does Your Health Insurance Pay For Income Loss As Well? http://lifeguy.com/does-your-health-insurance-pay-for-income-loss-as-well/ http://lifeguy.com/does-your-health-insurance-pay-for-income-loss-as-well/#comments Thu, 02 May 2013 20:49:08 +0000 LifeGuy http://lifeguy.com/?p=2091 Lost wages covered by health insurance supplement (income loss protection). Your doctors get paid, but who pays you? As a responsible person, you probably have health insurance to cover you for major medical illnesses or accidents, doctors fees, hospital bills, medications cost. But will your medical insurance cover for income lost during your illness? If [...]

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]]> http://lifeguy.com/does-your-health-insurance-pay-for-income-loss-as-well/feed/ 1 Have You Heard of “No-Sickness” Insurance? http://lifeguy.com/have-you-heard-of-no-sickness-insurance/ http://lifeguy.com/have-you-heard-of-no-sickness-insurance/#comments Sat, 27 Apr 2013 07:03:09 +0000 LifeGuy http://lifeguy.com/?p=2065 You pay your annual premium in January and you’re guaranteed to be protected against any illnesses, accidents or medical issues for the rest of the year. This type of insurance comes with a magic wand, too. We wish!  But if you could receive a guarantee that you’ll be protected for an entire year from any [...]

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]]> http://lifeguy.com/have-you-heard-of-no-sickness-insurance/feed/ 0 What do Realtors do When They Get Sick and Run Out of Money? http://lifeguy.com/what-do-realtors-do-when-they-get-sick-and-run-out-of-money/ http://lifeguy.com/what-do-realtors-do-when-they-get-sick-and-run-out-of-money/#comments Thu, 25 Apr 2013 19:18:04 +0000 LifeGuy http://lifeguy.com/?p=2041 Well, one options is: start begging your family or friends for money to pay your bills, or you’ll have to foreclose on your home, downsize, put off children’s education, use your pension funds and kiss your retirement goodbye. I suppose Social Security can help in those extreme cases (if you have 6 to 18 months [...]

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]]> http://lifeguy.com/what-do-realtors-do-when-they-get-sick-and-run-out-of-money/feed/ 0 Why get insurance premium funding? http://lifeguy.com/why-get-insurance-premium-funding/ http://lifeguy.com/why-get-insurance-premium-funding/#comments Tue, 23 Apr 2013 17:15:26 +0000 LifeGuy http://lifeguy.com/?p=2028 Have you considered premium funding for your insurance plans? If not, you should! Does your life insurance provide “premium funding” in case you become sick and can’t work? Why would you need it? Because it is more likely to lose income due to an illness or accident, than it is to die prematurely. Good and [...]

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]]> http://lifeguy.com/why-get-insurance-premium-funding/feed/ 0 Why do most veterinarians protect their income with Disability Insurance? http://lifeguy.com/why-do-most-veterinarians-protect-their-income-with-disability-insurance/ http://lifeguy.com/why-do-most-veterinarians-protect-their-income-with-disability-insurance/#comments Thu, 11 Apr 2013 19:11:29 +0000 LifeGuy http://lifeguy.com/?p=2008 Veterinarians need to protect their income with disability insurance Like many medical occupations, veterinarians know that if they hurt their arms or their back chances are they will be left without an income. Usually, most vets are self employed or run a small practice with a couple of employees, veterinarian assistant, billing or sales clerk. [...]

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]]> http://lifeguy.com/why-do-most-veterinarians-protect-their-income-with-disability-insurance/feed/ 0 Are life insurance proceeds taxable? http://lifeguy.com/are-life-insurance-proceeds-taxable/ http://lifeguy.com/are-life-insurance-proceeds-taxable/#comments Tue, 02 Apr 2013 21:38:42 +0000 LifeGuy http://lifeguy.com/?p=1970 Life Insurance Taxation FAQs How are life insurance death benefits taxed? If you have a life insurance policy, you probably wonder if you or your beneficiaries will have to pay taxes on the life insurance proceeds. The general rule is that death benefits paid to a beneficiary are received income tax free. This tax-free treatment [...]

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]]> http://lifeguy.com/are-life-insurance-proceeds-taxable/feed/ 0 Don’t fool yourself! – The Truth About Insurance http://lifeguy.com/dont-fool-yourself-the-truth-about-insurance/ http://lifeguy.com/dont-fool-yourself-the-truth-about-insurance/#comments Mon, 01 Apr 2013 19:50:05 +0000 LifeGuy http://lifeguy.com/?p=1940 The truth is, everyone hates insurance. Another reality that is unfortunately true: we all need it! I’ve had some of those days when working on my budget, I was looking for expenses I could cut and thought of all my insurance policies: after all, how do I know if something is going to happen to [...]

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]]> http://lifeguy.com/dont-fool-yourself-the-truth-about-insurance/feed/ 0 Ten Myths About Disability Insurance, Debunked http://lifeguy.com/ten-myths-about-disability-insurance/ http://lifeguy.com/ten-myths-about-disability-insurance/#comments Mon, 25 Mar 2013 17:19:24 +0000 LifeGuy http://lifeguy.com/?p=1803 Top Ten Myths About Disability Insurance, Debunked   You may have your reasons for not getting disability income (DI) insurance. But do you know the facts?   10.    Social Security will take care of me. Fact: Social Security initially denies about 65 percent of all disability claims.*   9.    I expect to stay [...]

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]]> http://lifeguy.com/ten-myths-about-disability-insurance/feed/ 1 Life Happens! We Have Solutions. Financial protection for you, your family and your business http://lifeguy.com/life-happens-we-have-solutions-financial-protection-for-you-your-family-and-your-business/ http://lifeguy.com/life-happens-we-have-solutions-financial-protection-for-you-your-family-and-your-business/#comments Tue, 19 Mar 2013 21:25:11 +0000 LifeGuy http://lifeguy.com/?p=1731 Event-based Solutions Our experienced advisors can help you with customized protection solutions for your life’s biggest events: Saying “I do” Being a parent Single and independent Buying a home Owning a business Life changes all the time. As we encounter new situations, our protection needs change as well. LifeGuy is here to help with the [...]

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]]> http://lifeguy.com/life-happens-we-have-solutions-financial-protection-for-you-your-family-and-your-business/feed/ 1 Challenge accepted: Jennifer Love Hewitt, I will insure you! http://lifeguy.com/hint-taken-jennifer-love-hewitt-i-want-to-insure-your-boobs/ http://lifeguy.com/hint-taken-jennifer-love-hewitt-i-want-to-insure-your-boobs/#comments Mon, 11 Mar 2013 18:46:26 +0000 LifeGuy http://lifeguy.com/?p=1672 Challenge accepted: Jennifer Love Hewitt, I want to insure your boobs! I would normally stay away from sensationalist news, but this one relates to my business: Jennifer Love Hewitt said during her interview on USA Today that she would insure her breasts for $2.5 million, even though she values them at $5 million. It sounded [...]

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]]> http://lifeguy.com/hint-taken-jennifer-love-hewitt-i-want-to-insure-your-boobs/feed/ 2 Critical Illness Insurance Needs for Employers and Employees http://lifeguy.com/critical-illness-insurance-needs-for-employers-and-employees/ http://lifeguy.com/critical-illness-insurance-needs-for-employers-and-employees/#comments Wed, 06 Mar 2013 19:38:23 +0000 LifeGuy http://lifeguy.com/?p=1669 Critical Illness insurance needs for employers and employees: PPACA has caused several small employers to rethink health insurance coverage they provide to their employees and many of you might not have any coverage.  Critical Illness policies provide some coverage for critical illnesses like cancer, stroke, heart attack etc.  They are also a wonderful compliment to existing [...]

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]]> http://lifeguy.com/critical-illness-insurance-needs-for-employers-and-employees/feed/ 1 How much does it cost to insure my hands or body? http://lifeguy.com/how-much-does-it-cost-to-insure-my-hands-or-body/ http://lifeguy.com/how-much-does-it-cost-to-insure-my-hands-or-body/#comments Wed, 27 Feb 2013 06:12:16 +0000 LifeGuy http://lifeguy.com/?p=1618 After writing my article last year ”Can I insure my hands?” , seems like the question I get the most lately is “So, how much is it to insure my hands?” Not an arm and a leg! Before I give you the answer to this question in detail, I would like you to complete this poll:     [...]

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]]> http://lifeguy.com/how-much-does-it-cost-to-insure-my-hands-or-body/feed/ 4 Employer discounts for insurance http://lifeguy.com/employer-discounts-for-insurance/ http://lifeguy.com/employer-discounts-for-insurance/#comments Sun, 27 Jan 2013 21:18:22 +0000 LifeGuy http://lifeguy.com/?p=1565 Most insurance companies offer discounts to the employees of certain employers. Discounts may be available to companies with as many as two employees. Insurance discounts start from 10% to 45% depending of the number of employees that are insured with the same insurance company. For other types of discounts, CLICK HERE. Check below to find out if [...]

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]]> http://lifeguy.com/employer-discounts-for-insurance/feed/ 1 How to Get Insurance Discounts http://lifeguy.com/how-to-get-insurance-discounts/ http://lifeguy.com/how-to-get-insurance-discounts/#comments Sun, 27 Jan 2013 21:06:59 +0000 LifeGuy http://lifeguy.com/?p=1561 Insurance is one of those things that you don’t want to deal with, but at the same time you can’t live without it. So, if you have to get insurance against certain risks, why not check to see if you qualify for insurance discounts. Employer discounts vary from 10 to 45%; Check HERE to see if [...]

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]]> http://lifeguy.com/how-to-get-insurance-discounts/feed/ 1 What is the most dangerous job in America? http://lifeguy.com/what-is-the-most-dangerous-job-in-america/ http://lifeguy.com/what-is-the-most-dangerous-job-in-america/#comments Tue, 22 Jan 2013 19:16:05 +0000 LifeGuy http://lifeguy.com/?p=1551 The most dangerous job in US, according to the Bureau of Labor and Statistics, is commercial fishing. An obvious need for income protection, short-term and long-term sick pay You remember the reality TV show, The Deadliest Catch? The series only gives a glimpse of the dangers of deep sea fishing. The need for income protection [...]

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]]> http://lifeguy.com/what-is-the-most-dangerous-job-in-america/feed/ 0 Lost wages compensation for off or on the job injuries or illnesses http://lifeguy.com/lost-wages-compensation-for-off-the-job-injuries-or-illnesses/ http://lifeguy.com/lost-wages-compensation-for-off-the-job-injuries-or-illnesses/#comments Sun, 13 Jan 2013 21:16:19 +0000 LifeGuy http://lifeguy.com/?p=1468 You may already be familiar with how Workers’ Comp works: if you get injured at work or on a job site, you will receive compensation to replace the income lost due to being unable to work due to your injuries or work related sickness. However, did you know that over 90% of insurance claims are [...]

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]]> http://lifeguy.com/lost-wages-compensation-for-off-the-job-injuries-or-illnesses/feed/ 0 Happy New Year, 2013! http://lifeguy.com/happy-new-year-2013/ http://lifeguy.com/happy-new-year-2013/#comments Mon, 31 Dec 2012 18:27:31 +0000 LifeGuy http://lifeguy.com/?p=1414 2012 has been a good year for me as I hope it was for you too! There were quite a few events that made this past year special: My brother got married and I got to travel back to Romania and attend the wedding, I got to visit London during the Olympics with Melanie, the [...]

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]]> http://lifeguy.com/happy-new-year-2013/feed/ 0 Physical Therapists and Massage Therapists Need Hands Insurance Too http://lifeguy.com/physical-therapists-and-massage-therapists-need-hands-insurance-too/ http://lifeguy.com/physical-therapists-and-massage-therapists-need-hands-insurance-too/#comments Wed, 26 Dec 2012 17:11:41 +0000 LifeGuy http://lifeguy.com/?p=1384 My last client who is a physical therapist suggested that I should contact all physical therapists and massage therapists in the area because – like herself – they don’t have adequate protection provided by their employer, for their income or paycheck. Most PT’s and massage therapists would like to insure their hands, but think such a [...]

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]]> http://lifeguy.com/physical-therapists-and-massage-therapists-need-hands-insurance-too/feed/ 0 Can I insure my eyes? http://lifeguy.com/can-i-insure-my-eyes-hands-brain-legs-back/ http://lifeguy.com/can-i-insure-my-eyes-hands-brain-legs-back/#comments Tue, 18 Dec 2012 02:21:06 +0000 LifeGuy http://lifeguy.com/?p=1370 I get this kind of questions all the time: Can I insure my eyes? How about my hands? Fingers? Can someone insure their brain? People get concerned when they see someone else or find themselves suffering from a condition or injury that would interfere with the way they earn money today. A surgeon or chiropractor [...]

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]]> http://lifeguy.com/can-i-insure-my-eyes-hands-brain-legs-back/feed/ 0 Radio Jingle – Life Insurance is LOVE Insurance http://lifeguy.com/radio-jingle-life-insurance-is-love-insurance/ http://lifeguy.com/radio-jingle-life-insurance-is-love-insurance/#comments Sat, 15 Dec 2012 18:24:28 +0000 LifeGuy http://lifeguy.com/?p=1301

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]]> http://lifeguy.com/radio-jingle-life-insurance-is-love-insurance/feed/ 0 Small business owners may opt out of Workmans Comp and get better protection with DI http://lifeguy.com/small-business-owners-may-opt-out-of-workmans-comp-and-get-better-protection-with-di/ http://lifeguy.com/small-business-owners-may-opt-out-of-workmans-comp-and-get-better-protection-with-di/#comments Thu, 06 Dec 2012 19:01:47 +0000 LifeGuy http://lifeguy.com/?p=1192 Many business owners may be able to opt out of Workmans comp coverage on themselves, and get cheaper and better protection with a Disability Insurance policy, that will cover them for any on or off the job injury or illness. Workers’ compensation only protects you for on the job injuries, and not for illnesses or [...]

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]]> http://lifeguy.com/small-business-owners-may-opt-out-of-workmans-comp-and-get-better-protection-with-di/feed/ 0 Invisible illnesses can steal your paycheck http://lifeguy.com/invisible-illnesses-can-steal-your-paycheck/ http://lifeguy.com/invisible-illnesses-can-steal-your-paycheck/#comments Sun, 02 Dec 2012 16:30:15 +0000 LifeGuy http://lifeguy.com/?p=1170 Did you ever have to park far from the main entrance at a shopping center, just to see someone parked in a “handicapped” spot who comes out of the car and is not in a wheelchair? You may be tempted to think that they’re just taking advantage of the system or just using a relative’s [...]

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]]> http://lifeguy.com/invisible-illnesses-can-steal-your-paycheck/feed/ 0 Happy 10th Anniversary, Disability.gov http://lifeguy.com/happy-10th-anniversary-disability-gov/ http://lifeguy.com/happy-10th-anniversary-disability-gov/#comments Sun, 02 Dec 2012 02:38:12 +0000 LifeGuy http://lifeguy.com/?p=1137 Has your life been touched by disability? A friend, cousin, sibling or other family member? YOU?  Then you probably know that one of the best resources for disability benefits information is the Disability.gov website which this year celebrates 10 years of providing expert advice and financial resources to people dealing with illnesses and disabling accidents. [...]

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]]> http://lifeguy.com/happy-10th-anniversary-disability-gov/feed/ 0 Everybody deserves a second chance. All pre-existing conditions accepted. http://lifeguy.com/everybody-deserves-a-second-chance-all-pre-existing-health-issues-accepted/ http://lifeguy.com/everybody-deserves-a-second-chance-all-pre-existing-health-issues-accepted/#comments Sun, 02 Dec 2012 02:01:23 +0000 LifeGuy http://lifeguy.com/?p=1133 Have you been declined for insurance? You must feel discouraged and think you’re out of luck. Actually, there are still options for you even if you’ve been rejected for insurance in the past. All different types of insurance (life, disability, health) have some alternatives called “substandard” insurance available for not-so-healthy individuals. Some of these second [...]

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]]> http://lifeguy.com/everybody-deserves-a-second-chance-all-pre-existing-health-issues-accepted/feed/ 0 Life Insurance is LOVE Insurance ™ http://lifeguy.com/life-insurance-is-love-insurance/ http://lifeguy.com/life-insurance-is-love-insurance/#comments Thu, 29 Nov 2012 15:18:40 +0000 LifeGuy http://lifeguy.com/?p=1010 “All we need is love!” We show our love in many different ways: a warm embrace, a loving glance, a gentle kiss, a thoughtful gift. But when it comes to protecting your loved ones financially, nothing says “I love you” better than having life insurance. Life insurance is love insurance ™ Life insurance is not [...]

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]]> http://lifeguy.com/life-insurance-is-love-insurance/feed/ 0 How you can keep the price of disability insurance premiums down http://lifeguy.com/how-you-can-keep-the-price-of-disability-insurance-premiums-down/ http://lifeguy.com/how-you-can-keep-the-price-of-disability-insurance-premiums-down/#comments Wed, 28 Nov 2012 21:35:06 +0000 LifeGuy http://lifeguy.com/?p=1007 Because there are so many moving parts in a disability insurance policy, you can work with riders, definitions of disability, type of policy, in order to lower the cost of disability insurance: - Guaranteed Renewable policy, VS. Non Cancellable and Guaranteed Renewable. - Modified definition of “own occupation” protection, versus a TRUE Own-occ. - 3% [...]

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]]> http://lifeguy.com/how-you-can-keep-the-price-of-disability-insurance-premiums-down/feed/ 0 Who would pay your bills and mortgage or rent, when you’re sick and can’t work? http://lifeguy.com/who-would-pay-your-bills-and-mortgage-or-rent-when-youre-sick-and-cant-work/ http://lifeguy.com/who-would-pay-your-bills-and-mortgage-or-rent-when-youre-sick-and-cant-work/#comments Wed, 28 Nov 2012 20:16:05 +0000 LifeGuy http://lifeguy.com/?p=1004 Let’s start with a short test: Name three people who would be willing to pay your bills, groceries, mortgage or rent in case you become sick and can’t work: 1. ______________ 2. ______________ 3. ______________   If you’re having trouble finding even one person that you can rely on paying your bills, then you need [...]

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]]> http://lifeguy.com/who-would-pay-your-bills-and-mortgage-or-rent-when-youre-sick-and-cant-work/feed/ 0 Best no-medical term insurance with disability rider http://lifeguy.com/best-no-medical-term-insurance-with-disability-rider/ http://lifeguy.com/best-no-medical-term-insurance-with-disability-rider/#comments Tue, 13 Nov 2012 06:33:41 +0000 LifeGuy http://lifeguy.com/?p=845 If you’re considering term insurance, think about adding some of the living benefits on your life insurance policy: term insurance with disability rider, mortgage protection that pays your mortgage if you lose your job, cancer insurance that will pay a lump sum of money if you get diagnosed with cancer, stroke or heart attack. The [...]

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]]> http://lifeguy.com/best-no-medical-term-insurance-with-disability-rider/feed/ 3 Can I insure my hands? http://lifeguy.com/can-i-insure-my-hands/ http://lifeguy.com/can-i-insure-my-hands/#comments Tue, 13 Nov 2012 06:21:17 +0000 LifeGuy http://lifeguy.com/?p=838 Can I insure my hands? Surgeons, Dentists, Physicians – click here for Specialty own-occ DI Yes, you can insure your hands and it makes total sense: you depend on your hands to do pretty much anything. Hands insurance is a must for almost anyone working with their hands. It is most popular amongst Massage Therapists, [...]

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]]> http://lifeguy.com/can-i-insure-my-hands/feed/ 5 Scary gaps in your insurance coverage are lurking, just waiting for the best (or worst) moment to jump at you http://lifeguy.com/scary-gaps-in-your-insurance-coverage-are-lurking-just-waiting-for-the-best-or-worst-moment-to-jump-at-you/ http://lifeguy.com/scary-gaps-in-your-insurance-coverage-are-lurking-just-waiting-for-the-best-or-worst-moment-to-jump-at-you/#comments Wed, 31 Oct 2012 17:14:01 +0000 LifeGuy http://lifeguy.com/?p=798 You think you’re covered, but have you checked your benefits lately, to compare with your current needs?  Life changes every day: got a raise, move to a new home, growing families, health changes… Make sure your protection plans keep up with your pace. Health, life and disability insurance need to be adjusted from time to [...]

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]]> http://lifeguy.com/scary-gaps-in-your-insurance-coverage-are-lurking-just-waiting-for-the-best-or-worst-moment-to-jump-at-you/feed/ 3 Imagine living on half of your paycheck. 5 ways to make sure your income continues if you can’t work http://lifeguy.com/imagine-living-on-half-of-your-paycheck-5-ways-to-make-sure-your-income-continues-if-you-cant-work/ http://lifeguy.com/imagine-living-on-half-of-your-paycheck-5-ways-to-make-sure-your-income-continues-if-you-cant-work/#comments Thu, 25 Oct 2012 19:26:27 +0000 LifeGuy http://lifeguy.com/?p=777   Have you set your alarm to wake you up this morning? If you did, then you depend on your income to pay for everyday expenses (trust fund babies, please move on to a different article, this information does not apply to you). Disability insurance protects your income Most work provided long-term and short-term disability insurance [...]

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]]> http://lifeguy.com/imagine-living-on-half-of-your-paycheck-5-ways-to-make-sure-your-income-continues-if-you-cant-work/feed/ 1 Why do people get life insurance? http://lifeguy.com/why-do-people-get-life-insurance/ http://lifeguy.com/why-do-people-get-life-insurance/#comments Thu, 25 Oct 2012 14:00:25 +0000 LifeGuy http://lifeguy.com/?p=773 Most people get life insurance for the death benefit, providing peace of mind that their loved ones will be taken care of, if the insured dies prematurely. Not too many people are aware of the “living benefits” of life insurance: cancer benefits, heart attack or stroke benefits paid at first diagnosis (money that can be [...]

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]]> http://lifeguy.com/why-do-people-get-life-insurance/feed/ 1 How to reduce the risk of cancer? http://lifeguy.com/how-can-i-reduce-the-risk-of-getting-cancer/ http://lifeguy.com/how-can-i-reduce-the-risk-of-getting-cancer/#comments Fri, 21 Sep 2012 15:12:25 +0000 LifeGuy http://lifeguy.com/?p=758 It is known that diet, exercise, smoking and other choices will greatly impact your chances of getting cancer. That’s why we have to try and eat right, stay active and have an overall healthy lifestyle. But, some of the cancers are caused by a hereditary gene. Although the hereditary abnormal gene is currently the cause [...]

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]]> http://lifeguy.com/how-can-i-reduce-the-risk-of-getting-cancer/feed/ 0 Life insurance that pays you to live! http://lifeguy.com/life-insurance-that-pays-you-to-live/ http://lifeguy.com/life-insurance-that-pays-you-to-live/#comments Tue, 11 Sep 2012 04:02:21 +0000 LifeGuy http://lifeguy.com/?p=742 Life insurance for life   Life insurance is usually a subject from which most of us would prefer to stay away. Nobody wants to think of their mortality. Or if they do, they see themselves living a long  fulfilling life.   Good news: for most of us, this is true. Due to the medical and [...]

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]]> http://lifeguy.com/life-insurance-that-pays-you-to-live/feed/ 2 Gov. Rick Scott proclaims September the Life Insurance Awareness Month in Florida http://lifeguy.com/gov-rick-scott-proclaims-september-the-life-insurance-awareness-month-in-florida/ http://lifeguy.com/gov-rick-scott-proclaims-september-the-life-insurance-awareness-month-in-florida/#comments Thu, 06 Sep 2012 21:49:49 +0000 LifeGuy http://lifeguy.com/?p=736 Governor Rick Scott has proclaimed September Life Insurance Awareness Month. To download a copy of the Proclamation click here. Gov. Scott underscores the importance of life insurance   Gov. Rick Scott has proclaimed September 2011 as Life Insurance Awareness Month (LIAM) in Florida. Noting that nearly 95 million Americans have no life insurance and many [...]

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]]> http://lifeguy.com/gov-rick-scott-proclaims-september-the-life-insurance-awareness-month-in-florida/feed/ 0 If you could afford to insure one of your body parts, which would that be? http://lifeguy.com/if-you-could-afford-to-insure-one-of-your-body-parts-what-would-that-be-and-why-and-for-how-much/ http://lifeguy.com/if-you-could-afford-to-insure-one-of-your-body-parts-what-would-that-be-and-why-and-for-how-much/#comments Sun, 26 Aug 2012 05:43:10 +0000 LifeGuy http://lifeguy.com/?p=702   You’ve heard of celebrities getting huge amounts of insurance for certain body parts to help them avoid a financial burden if one day they can’t perform their job: After Gillette determined that Rihanna has the most goddess-like legs in the world, she insured them for $1 million. Madonna thinks she would lose about $2,000,000 [...]

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]]> http://lifeguy.com/if-you-could-afford-to-insure-one-of-your-body-parts-what-would-that-be-and-why-and-for-how-much/feed/ 3 The Importance of a Will in Financial Planning http://lifeguy.com/the-importance-of-a-will-in-financial-planning/ http://lifeguy.com/the-importance-of-a-will-in-financial-planning/#comments Wed, 18 Jul 2012 14:02:11 +0000 LifeGuy http://lifeguy.com/?p=697 It is human nature to put things off, especially when the subject is planning for when you won’t be around. There’s a huge misconception about estate and will. Some people think they need to be wealthy to have a will, but that’s not true. A will simply states who will get what when you pass [...]

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]]> http://lifeguy.com/the-importance-of-a-will-in-financial-planning/feed/ 2 Which are the most important disability insurance riders? http://lifeguy.com/what-are-the-most-important-disability-insurance-riders/ http://lifeguy.com/what-are-the-most-important-disability-insurance-riders/#comments Sat, 14 Jul 2012 03:54:30 +0000 LifeGuy http://lifeguy.com/?p=684 When deciding to protect your income, choosing a disability insurance policy can be overwhelming. A LifeGuy.com Disability insurance expert  will explain each rider and find the best plan based on your disability income needs and areas of concern. The Residual Disability Income is the most important DI rider.   Residual Disability Rider If you are sick or hurt and [...]

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]]> http://lifeguy.com/what-are-the-most-important-disability-insurance-riders/feed/ 0 How Will My Disability Insurance Policy Pay? http://lifeguy.com/how-will-my-disability-insurance-policy-pay/ http://lifeguy.com/how-will-my-disability-insurance-policy-pay/#comments Sat, 14 Jul 2012 03:51:31 +0000 LifeGuy http://lifeguy.com/?p=682 The most important factor to take into consideration when choosing to protect your income with disability insurance, is the DEFINITION of total disability on your policy.   Own-Occupation All white collar occupations should be protected with a DI policy that has “own-occ” definition of total disability. This will allow you to work in another occupation [...]

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]]> http://lifeguy.com/how-will-my-disability-insurance-policy-pay/feed/ 0 Life Insurance Benefits http://lifeguy.com/life-benefits/ http://lifeguy.com/life-benefits/#comments Tue, 19 Jun 2012 00:33:47 +0000 LifeGuy http://lifeguy.com/?p=667 Full Name: Email: Phone: I'm interested in: Life Insurance, Family and Asset Protection Mortgage Protection Insurance Cancer Insurance (Lump sum benefit at first diagnosis) Critical Illness Insurance (Heart Attack, Stroke, Major Burns, Alzheimer, Cancer) Paycheck Protection (Disability Insurance) Retirement Protection Please provide details: DOB: Ht/Wt: Smoker? Medical history, medications: Benefit amount needed:

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]]> http://lifeguy.com/life-benefits/feed/ 1 Mortgage Protection http://lifeguy.com/mortgage-protection/ http://lifeguy.com/mortgage-protection/#comments Tue, 19 Jun 2012 00:21:51 +0000 LifeGuy http://lifeguy.com/?p=665 Mortgage Insurance or Mortgage Protection is needed when you are concerned about making your house payments in case you lose your job, or if you get too sick or hurt to work and earn an income, or in case of premature death. To get a mortgage insurance protection quote, fill out the form below: Full [...]

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]]> http://lifeguy.com/mortgage-protection/feed/ 0 In A Perfect World… http://lifeguy.com/in-a-perfect-world/ http://lifeguy.com/in-a-perfect-world/#comments Mon, 16 Apr 2012 15:51:01 +0000 LifeGuy http://lifeguy.com/?p=589 In a Perfect World … In a perfect world, there would be no disease. No accidents. No death. In a perfect world, there would be no risks. In a perfect world, you would not need insurance to cover your life, health, family, mortgage, business… In an almost perfect world, if you do need to get [...]

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]]> http://lifeguy.com/in-a-perfect-world/feed/ 0 When Should I Get Life Insurance? http://lifeguy.com/when-should-i-get-life-insurance/ http://lifeguy.com/when-should-i-get-life-insurance/#comments Sun, 01 Apr 2012 21:25:40 +0000 LifeGuy http://lifeguy.com/?p=586 The best time to plant a tree was twenty years ago. The next best time is today!   Many people ask me when is the best time to get life insurance. Three good reasons to talk about the future, today: 1) “Tomorrow” doesn’t come with a guarantee 2) The sooner you start planning, the more [...]

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]]> http://lifeguy.com/when-should-i-get-life-insurance/feed/ 0 Call the Life Guy now – Protect your family. (Radio spot – ESPN, 99X) http://lifeguy.com/call-the-life-guy-now-protect-your-family-with-life-insurance-and-disability/ http://lifeguy.com/call-the-life-guy-now-protect-your-family-with-life-insurance-and-disability/#comments Thu, 22 Mar 2012 05:06:03 +0000 LifeGuy http://lifeguy.com/?p=549 This is our latest radio ad. Comments are welcome    

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