What is Decreasing Term Life Insurance? Most consumers are very familiar with term insurance products, but what most people aren’t aware of is the specific types of term life insurance such as decreasing term insurance, level term insurance, and annual renewable term insurance. In this article, we will go over the pros and cons of.. More
How Is Life Insurance Affected By The Coronavirus How is life insurance affected by the Coronavirus, is a question we get asked a lot these days. As the reality of the Coronavirus (COVID-19) sets in, many people who don’t have life insurance currently, are seeking to get protection fast. And the consumers who are insured.. More
Minnesota Life Insurance Company History Minnesota Life Insurance Company was founded in the year 1880 by Russell Dorr and is the first life insurance company in Minnesota. In 1901, Minnesota Life Insurance Company changed its structure to a mutual life insurance company and changed names to Minnesota Mutual Life Insurance Company, a name they kept.. More
Legal and General America History Legal and General America was formed as a holding company in 1981 by Legal and General Group based out of London. They bought Government Employees Life Insurance Company (GELICO) and its NY affiliate. In 1983, the name of GELICO was changed to Banner Life Insurance Company. In 1989, William Penn.. More
United Home Life Insurance Company (UHL) Review Today we are going to review United Home Life Insurance Company and its parent company United Farm Family Life. We will go over their history, ratings, and what types of products that they offer. United Home Life Insurance Company was established in 1948 and has been offering life.. More
Royal Neighbors of America Life Insurance With the explosion of online life insurance sales, many insurance carriers that have never been heard of before, are gaining name recognition across the country. One of these companies is Royal Neighbors of America Life Insurance Company (RNA). In this article we will be reviewing Royal Neighbors of America.. More
Whole Life vs Universal Life When it comes to buying life insurance, it can be intimidating figuring out which type of life insurance best fits you. What is best when it comes to Whole Life vs Universal Life? Well that all depends on what the life insurance is for and what your goals for the.. More
As a homeowner, it’s essential to have a plan to keep your loved ones protected just in case of the unexpected tragedy. This is where mortgage protection life insurance becomes an important addition to your financial portfolio. This is a valuable tool for financial planning, that gives families the opportunity to remain in their homes in the.. More
Using Indexed Universal Life to fund a LIRP Using Indexed Universal Life to fund a LIRP can help you save towards that tax free retirement while protecting your family at the same time. Many of our clients today are looking for ways to save for a tax-free retirement. They want to take the guess work.. More
Primerica Life Insurance Company Review (AKA Prime America) Primerica Life Insurance or sometimes referred to as Prime America is unique in the life insurance industry in that it only offers term life insurance products, no whole life or adjustable/universal life insurance. In 2018, Primerica issued the second most life insurance products in North America, but.. More
Life Insurance for Teachers If you teach, I understand how hard it is to find time to sit down and review what type of life insurance would be best for you and your family. Most school systems give you some life insurance for free, usually up to 1 years’ salary, and you have an option.. More
When is it appropriate to talk about Death? It’s a scary subject and people don’t like talking about it. When you bring money and death together – you can bet nobody is coming over for dinner at your house anymore. Life after death always makes people nervous and most prefer not to think too much.. More
Disability Insurance Explained Most people know someone that has had health issues or been involved in an accident that left them unable to work for an extended time. This is hard watching someone struggle to make ends meet during this time, and even harder to imagine that it could be you or a family member… More
Guaranteed UL vs. Traditional UL If you have ever researched permanent life insurance, you probably have noticed that universal life insurance or sometimes referred to as adjustable life insurance comes in many different shapes and sizes. You have guaranteed universal life (GUL), traditional universal life (not guaranteed), indexed universal life, and variable life insurance. In.. More
Globe Life Insurance Company Review These days with all the advertisements on television and paid reviews, it’s hard to find an honest review of a life insurance company. That won’t happen here. We are an independent life insurance agency whom represents the best life insurance carriers in America. We give you our honest and experienced.. More
SBLI Life Insurance Company Review Having life insurance to protect your loved ones is a must, but overpaying for it is something you can avoid. At EasyQuotes4You we are giving a review on every life insurance carrier that does business in the United States. We are un-biased and hope to give our visitors a true.. More
Vantis Life has strong financial outlook and has earned the highest ratings from the insurer rating agencies. They boast an “A+” rating with A.M. Best Company.
What is the Life Insurance Medical Exam A Life Insurance Medical Exam is a requirement by the insurance carrier in order to review your medical history and assess what your overall health and life expectancy is. This gives the life insurance carrier an idea of how much risk they may be taking by insuring you… More
Principal Life Insurance Company is one of the oldest life insurance carriers in the United States. Established in 1879 under the name of Bankers Life Association, Principal has been providing financial products to consumers worldwide.
American Amicable Life Insurance Company If you found this article, their is good chance that you are shopping around for some Life Insurance. At EasyQuotes4You we try to ease that process for you by writing unbiased reviews of the life insurance carriers across America. Purchasing a life insurance policy is one the most beneficial arrangements.. More
Phoenix Life Insurance started covering Americans back in 1851 when they were called American Temperance Life Insurance Company. When they first opened there goal was to sell life insurance to applicants who didn’t use alcohol.
At EasyQuotes4You were represent dozens of life insurance carriers. While all are “A” rated, they each have their different niches that are unique to them. We try to give honest reviews based on our 17 years of experience with each company. In this article we are going to review Fidelity Life Insurance or sometimes referred to as Fidelity Life Association.
Haven Life is an online life insurance agency, offering only term life. Haven Life Insurance is owned by MassMutual and been in business since March of 2014.
With more than 135 years providing wealth accumulation and life insurance products to its customers, Foresters Life strives go above an beyond the rest. Foresters Life Insurance is not a traditional stock life insurance company, they are known as a fraternal benefit society. They are a not-for-profit insurance company.
Sagicor Life Insurance is one of are go to no exam life insurance companies. They are truly an innovator in the life insurance marketplace. Sagicor Life Insurance offers non medical term life, universal life, and whole life insurance policies.
Prudential Life Insurance is headquartered in Newark, NJ and continues to it commitment to its mission of creating long-term value for its stakeholders through strong business practices. Pruco Life Insurance has become one of the most recognized life insurance companies in the United States, as well as around the world. Today, Prudential Life Insurance has operations in Asia, Europe, and Latin America.
Have you ever wondered what your chances of dying in an accident are? Well according to the CDC, accidents are the 5th leading cause of death in America. It only trails causes like heart disease, cancer, lung and respiratory diseases and strokes.
This is why Accidental Death & Dismemberment or AD&D Insurance should be a part of your financial portfolio. Especially for Americans age 25-44 years of age.
Accidental deaths in 2017 only accounted for 5.4% of deaths in the United States. But deaths of Americans age 25-44 was 30.2% in 2017.
Life Insurance for Seniors Over 55 Life insurance is cheap and simple when you’re in your twenties or thirties and in good health. In fact, nowadays a thirty-year-old healthy male non-smoker can get a $1 million term policy for about $30 a month. That’s less than two large pizzas! But what about those folks who.. More
Life Insurance Rates for 2020 If you are looking to find out what life insurance rates are in 2020, you clicked on the right blog. We have done the research for you, analyzing the top life insurance companies in the United States. We have compiled a list of term life and permanent life insurance rates.. More
Protective Life has been doing business in the United States for over a 100 years. They currently have multiple subsidiary companies that offer insurance and investment products across America.
Life Insurance for Seniors Over 60 – 5 Policy Options Even though life insurance for seniors over 60 will cost more than young adults in their 20s and 30s, seniors still have options for buying affordable life insurance. Life insurance for seniors over 60 should be based on their needs more than their budget. With that.. More
When you are shopping for life insurance, there are many options when it comes to insurance companies, product type, and optional coverages. But, what about underwriting? There are options for underwriting as well. Which type of underwriting is best? What are the differences? Which underwriting delivers the cheapest rate? Here, we’ll discuss the difference between.. More
Life insurance is generally fairly cheap and simple for young adults who are active and healthy. In fact, unless you have some health conditions that could impact your insurance rates, young adults can buy a million dollar term policy for about the price of a large pizza. In this article we will talk about affordable.. More
No matter what type of insurance you are researching or buying, it’s likely that you’ll find it confusing when you’re considering which product will work best for your circumstances. Yes, there are many life insurance products out there, but there really needs to be because different products are suited for different needs. Here, we’ll discuss.. More
Guaranteed Universal Life Insurance (GUL) Have you thought about buying term insurance but your reluctant having something temporary even though it’s so cheap? Typically, people who pass on term insurance and then look at the cost of whole life insurance are blown away by the cost of insurance – talk about sticker shock! Don’t give.. More
Marijuana and Life Insurance With medical marijuana legal in 33 states and recreational use legal in 10 states, it was just a matter of time before life insurance companies had to start looking at marijuana usage much differently than in the past. Not all insurance companies see the usage of marijuana the same, so read.. More
As an insurance professional, I used to get this question from existing clients all the time. It’s not surprising that many adult children out there feel like they will be responsible for the funeral and burial of parents who for whatever reason, have very little life insurance or no life insurance at all. In most.. More
When it comes to getting a life insurance policy, most people have the mindset to “set it and forget it” until the policy is set to expire or they need to file a claim. However, if you take just a few minutes each year to review these five things on your life insurance policy, it.. More
Life Insurance for Dummies Although the title “Life Insurance for Dummies” is popular and easily catches attention, the better title would have been “Life Insurance for Beginners.” Learning about life insurance can be confusing, complicated, and boring, and most people roll their eyes when they even think of it. Unfortunately, almost everyone needs life insurance.. More
Best Life Insurance for Physicians A key component of a good financial plan for physicians and medical professionals, whether it’s personal or business, is having sufficient life insurance coverage. The lump sum death monetary benefit from life insurance has multiple purposes beyond just final expenses and funeral costs. Depending on your situation, it could also.. More
Variable life insurance, also called variable universal life insurance offers lifelong coverage as well as a cash value component. Variable universal life insurance policies offer higher upside potential than other permanent life insurance, such as whole life. This may sound great, but we urge you to be careful when choosing a variable life policy. These.. More
Life Insurance for Seniors over 70 It is curious that lots of seniors presume that life insurance may no longer be an option once they’re over age 70 years old. Many believe the cost will be unaffordable or that medical problems will prevent them from being approved for a policy. In this guide, we will.. More
Best Life Insurance for Seniors It’s obvious that in today’s economy, there is no shortage of information regarding the best life insurance for seniors. Most of the articles you’ll likely find will focus on the lowest rates or a specific kind of life insurance. But, what seniors should consider first and foremost is why they.. More
With more than $30 billion in assets under their management, Mutual of Omaha is one of the top insurance companies in the industry today.
The majority of consumers put off purchasing life insurance because they believe the cost would be too high, but protecting your loved ones doesn’t have to break the bank. Life insurance rates have been dropping in the United States for the last decade. Two-thirds of consumers overestimate how much life insurance would cost, usually by.. More
LIRP: All you need to know If you are like most Americans saving for your retirement, you’ve most likely accumulated the bulk of your wealth from two to three investment strategies, which will probably be either taxed or tax-deferred. The problem is that with higher taxes, the wealth that you’ve accumulated could rapidly diminish. With our.. More
Turning 65 can be one of the most exciting times in your life. Retirement is on the horizon and you’ve surely got lots of fun things planned. One of the things that is not so fun is having to figure out Medicare. Most of your working life, your employers have chosen your health insurance coverage.. More
Accidental Death and Dismemberment Insurance Accidental death and dismemberment insurance (AD&D) is a type of insurance policy that pays if you die or are seriously injured accidentally, such as in an automobile accident. Accidental death & dismemberment insurance is similar to regular life insurance in that both offer at tax free death benefit, but a.. More
All you need to know about Group Life Insurance Group life insurance or sometimes called supplemental life insurance is offered to members or employees as a benefit, by their employer or an organization they belong to, such as a Credit Union. Some employers will offer supplemental life insurance at no added cost, which you should.. More
Assurity Life Insurance Company has been doing business since 1890. They are dedicated to protecting the financial security of their policyholders.
Assurity proudly boasts an A-rating (Excellent) from A.M. Best Company, which is only given to companies that present an excellent ability to meet future insurance obligations. There is no wonder Assurity Life is on our list for best no medical exam life insurance companies.