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A question we get a lot when quoting life insurance to our clients is; why is term life insurance so much cheaper than permanent life insurance? The honest answer is the life insurance carriers have been making money from the sale of term life for years.  The life insurance industry estimates that term life payouts.. More

Individuals with medical issues, for instance, diabetes often discover that qualifying for life insurance is not a simple as it sounds. There are three types of diabetes which people are diagnosed with. There is type 1 diabetes (also known as juvenile diabetes), type 2 diabetes (most common form), and gestational diabetes (occurs during pregnancy) Not.. More

If you are senior, then you probably have received some type of advertisement in the mail for AARP Life Insurance. We get asked a lot if it is as good a deal as it seems.  Well the short answer is no it is not, but they do have some niches that fit well with some.. More

If you have a family and you want to rest easy, you need to have life insurance. This will make it possible for your loved ones have no financial problems in case you die unexpectedly. If you have a family that depends on you, life insurance should be a priority for you.  Life Insurance is.. More

When people talk about Life Insurance it seems like the mood in the room turns gloomy.  Life Insurance is not sexy, and most people would rather avoid the subject if possible.  I am here to tell you that it’s time to talk about Life Insurance if you haven’t got it secured, and I am going.. More

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 opinion of each company and.. More

Life insurance is a financial instrument with the purpose of providing benefits to beneficiaries/dependents if the insured meets an untimely death or due to ailment. There are two types of life insurance – term and whole life. These two are differentiated with their maturity and other privileges/inclusive their policies carry. Term insurance is straightforward life.. More

Indexed universal life insurance is a universal insurance that includes cash value and death benefits. It is called indexed because the cash value portion of the policy earns interest according to a market index, i.e. NASDAQ and S&P 500. It has ceiling and floor cap depending on the stipulations in the policy. It usually does.. More

If anyone has ever talked with you about life insurance being an investment, you have probably heard the saying “buy term and invest the difference”.  This saying is based on the premise of buying low cost term life insurance which frees up money for investments. Permanent life insurance, life insurance that has a cash value.. More

If you ask a financial advisor, the first thing he or she would ask is “are you insured?” Life insurance is an important component of financial stability, for untimely death, but also for other aspects of future financial stability; with the right financial planning and policy. It can help in funding for college education, pay.. More

Life Insurance is when the major decision is made to provide financial support to your family members in the event of an untimely death.  This can be a confusing and frustrating process to most.  It can take weeks and sometimes months which is aggravating at best. If you are thinking about purchasing life insurance, then.. More

One of the main attractions with permanent life insurance, like variable universal life, is the cash value component attached.  The problem with most of these permanent policies is the rate of return is usually low.  This is where variable universal life could make a difference. What is Variable Universal Life? Variable universal life insurance is.. More

What is term life insurance?  Term life insurance is policy that provides a death benefit for certain amount of time.  If you, the insured, passes away during that set time period, then your beneficiary would receive the death benefit. With term life insurance policies, you choose the benefit period that best suits your situation at.. More

There is a big mis-conception out there that if you don’t bring actual dollar bills into the household, then you don’t need to have life insurance.  This couldn’t be more wrong.  Stay at home parents need just as much coverage as the breadwinners do.  I am going to outline some reasons for you to consider:.. More

If you have done your financial planning homework there is a good chance that you own a life insurance policy.  You know how much you need and whether to buy term life or permanent life.  If you bought your life policy more than 7 years ago then you probably haven’t heard of the living benefits.. More

Permanent Life Insurance is also called “cash value insurance”.  This means a permanent policy builds up cash value over time.  There are 2 types of permanent policies on the market today.  They are: Whole Life Insurance/Final Expense Universal Life Insurance (There are 3 variations of universal life: Guaranteed Universal Life, Indexed Universal Life, and Variable.. More

What is Indexed Universal Life? Indexed Universal Life insurance works the same way as a regular universal life policy in that it provides a death benefit and a cash value.  The main difference between them is the cash value component.  In a regular universal life insurance policy, the cash values interest is based on a.. More

Should you own life insurance on your children?  That’s a question we get a lot, and there really is no wrong answer.  I can see both sides of the argument regarding it’s a value to your child. Life insurance is heavily marketed to grandparents for 3 reasons: To save money Lock in a low rate.. More

Life Insurance on your parents is an intricate part of planning that if hasn’t been purchased by your parents, then is a must for their children. It will also open up conversation related to senior planning such as wills and long-term care.  The good news is you can purchase life insurance on your parents if.. More

The rate of death from heart attack, stroke and cancer have been declining for the past 20 years according to the CDC. Even though death rates are falling for these critical illnesses, health care related expenses have been rising astronomically. If you do have enough savings in place this could lead to financial ruins.  One.. More