New York Life Insurance Co., which carries the highest ratings from investments, it is also a big buyer of commercial mortgages and. Sign up for weekly Viewpoints and educational events. Get weekly emails of our pros' current thinking about financial markets, investing strategies, and. CNBC is the world leader in business news and real-time financial market coverage. Find fast, actionable information. ELIZABETH PLACEK RECIPE

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There are a lot of emotions flying around. To have to worry about expenses for a service would be too much, although I know many people, unfortunately, have that worry. Its Barometer Study says that 56 percent of Black Americans have now purchased life insurance policies in the last year, which is the highest rate among all racial groups.

This gain shows that Black people have responded to the harsh reality of mortality amid the devastating impact of the coronavirus on their communities; Black Americans have suffered the highest death rate per , people than any other group, according to the National Center for Health Statistics.

He left behind a wife and eight children in a shotgun house in Angie, Louisiana, a small village on the Mississippi border. There was my mother with a bunch of kids. So, we suffered for one reason: There was no life insurance.

That has to change. There is so much more to help families. But the biggest problem in our communities is the lack of education around life insurance, especially around its cost. Affordability was a common theme in the survey. It concluded that Black people had a higher level of financial concern than the overall population average, adding that Covid exacerbated those concerns.

Additionally, it found that Black Americans were significantly more likely to be concerned about being able to save for an emergency fund, pay their monthly bills and their mortgage, and about leaving their families in a difficult situation due to a premature death. According to the study, Black Americans are more likely than other racial groups to view life insurance only for burial and final expenses. This perception of life insurance could result in Black Americans not purchasing enough coverage to provide income replacement or enable wealth transfer, two key ways life insurance can benefit loved ones after a wage earner dies.

Stephanie Harris. Before unpacking your options, lets clearly define them for the purposes of our analysis: Term Life Insurance : Insurance that pays a benefit in the event of the death of the insured during a specified amount of time. Although these products seem straightforward, when making an investing decision, its not always that easy. One reason the decision is not cut and dry is because of the alternative to these two products; investing. Whether it be investing in mutual funds and stocks, or real estate, there are other options for you to invest your hard-earned dollars, that provide you more control and possibly higher returns than life insurance.

However, it also saddles you with quite a bit of risk stemming from the lack of guaranteed benefit for those that depend on you. On the other hand, term and whole life insurance both provide you with benefit payout assurance; whole for your entire life, but term for a distinct amount of time. As a result, whole life insurance is significantly more expensive than term. One aspect of this decision that we cannot account for is your personality as it relates to appetite for risk.

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Coronavirus Black Americans are buying more life insurance. Here's why. The devastation of the coronavirus has raised concerns, prompting Black Americans to seek life insurance at higher rates than other racial groups. Relatives mourn after the funeral service of a family member who died of Covid on July 3, , in New Rochelle, N. The cause of death: Covid The shock and pain crippled Oaks. He had been diagnosed with the coronavirus only two days before, after being sent home from work because of excessive coughing.

Even though he was devastated, Oaks said he still felt fortunate that he was able to give his son a proper burial because he had life insurance. There are a lot of emotions flying around. To have to worry about expenses for a service would be too much, although I know many people, unfortunately, have that worry.

Its Barometer Study says that 56 percent of Black Americans have now purchased life insurance policies in the last year, which is the highest rate among all racial groups. This gain shows that Black people have responded to the harsh reality of mortality amid the devastating impact of the coronavirus on their communities; Black Americans have suffered the highest death rate per , people than any other group, according to the National Center for Health Statistics.

He left behind a wife and eight children in a shotgun house in Angie, Louisiana, a small village on the Mississippi border. There was my mother with a bunch of kids. So, we suffered for one reason: There was no life insurance. That has to change. He provided information that saved me money, including the decision to make a full-documentation application, despite my diagnosis of diabetes Type II, well-controlled.

He advised that there are companies that deal favorably with that situation. He did, and I did. I am well pleased and grateful. Total thumbs up. Thank you, Darcy Caleb V. My wife and I were looking for an life insurance company which would provide a life insurance policy to her as she suffers from Cerebral Palsy and other health related issues.

We contacted Michael, let him know about the difficulties we had in finding a life insurance company on our own, and also informed Michael what we were in need of. Michael did all of the shopping around, filled out the applications, and kept us informed about the process the entire way. We would highly recommend Michael to our friends, family, or anyone that asks for a reference to a life insurance agent.

Should there ever be another need to look for more life insurance we will definitely keep you in mind and be contacting you. When I was shopping for life insurance for my parents, I do not have any knowledge. Legal terminology is always confusing. Too many vendors offering similar services with confusing benefits. Every interaction with Michael Quinn educated me to understand this complexity. He was able to guide me to choose the right product.

Applying and getting approval for senior citizens life insurance is not an easy thing. We are happy with honest, sincere and timely service. I will recommend him to any of my family members and friends. You always need a good agent because many agents will push their own product, but only a honest provider such as Michael can guide you by understanding the real needs of your family by understanding your age, health condition and family financial situation.

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