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Most Hartford-area life insurance agents are honest. A loud minority are not. Here are the five most common manipulations Connecticut buyers should be ready to recognize — and the questions that immediately defuse each one.
If you work at Aetna, The Hartford, Travelers, or any large Connecticut employer, you probably have "free" group life insurance — and you almost certainly believe it's enough. Here's why it isn't, and what to do about it before you change jobs.
After two weeks of digging into life insurance for Hartford and Connecticut families, this is the closing piece: the exact criteria that separate a real life insurance professional from a salesperson — and the questions to ask before you sign anything.
Whole life. Universal life. Indexed UL. Variable UL. Guaranteed UL. The permanent life insurance shelf is full of products that look similar and behave very differently. Here's how Hartford and Connecticut buyers should think about each one.
Aetna, The Hartford, Travelers, Cigna, Eversource, UTC — the largest Connecticut employers all offer "free" group life insurance. And they have all also produced widows and widowers who discovered, far too late, that the coverage was a mirage. Here are the four ways it fails.
Connecticut is one of the few states with both a state estate tax and a gift tax. For Hartford-area families approaching or above the threshold, life insurance is one of the most efficient tools to keep wealth in the family rather than the treasury.