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Life Insurance Blog

Life Insurance for Seniors Over 60 – 5 Policy Options Even though seniors over 60 will pay much more for life insurance than young adults in their 20s and 30s, seniors still have options for buying affordable life insurance. The type of policy seniors should consider should be based on their needs more than their.. More

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 national debt quickly expanding and approximately 78 million.. 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

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 up because there is a.. More

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 on to find out.. 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

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 be used for paying off.. More

Variable life insurance, also called variable universal life insurance  offers lifelong coverage as well as a cash value component. Variable 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 policies.. More

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 expose the myth that quality life.. More

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 need life insurance in the.. More

In this article we will dive into Mutual of Omaha’s life insurance products, financial strength, and their niche coverage’s. Mutual of Omaha has been offering insurance products for over 100 years and prides itself on excellent customer service and innovative products. With more than $30 billion in assets under their management, Mutual of Omaha is.. More

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. Two-thirds of consumers overestimate how much life insurance would cost, usually by hundreds of dollars. With 64% of Americans citing budget as the reason they don’t.. More

The life insurance retirement plan, commonly referred to as LIRP, is an impressive financial tool used by millions of Americans in order to protect and secure their way of living well into retirement and beyond.  While there are hundreds of different products and services available in the insurance industry, none offers the safety and flexibility.. 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 (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 AD&D policy doesn’t cover death.. More

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 group life insurance at no added cost, which you should take advantage of, even if you already have enough.. More

Detailed Review of Assurity Life Insurance Company In this article, we will review Assurity Life Insurance Company’s insurance products and address the positives and negatives if any. My primary goal is to help you find the best life insurance policy that fits your needs. Here we go: Assurity Life Home Office: Lincoln, Nebraska Customer Service:.. More

With a lot of companies moving towards no medical exam life insurance policies, it can be a bit confusing trying to find the right company that fits your needs and most of all, your budget. In this article we have listed the best life insurance companies with no exam life insurance coverage. We compare price, strength.. More

What is the Definition of Life Insurance? Life insurance can be defined as many things, such as peace of mind or a security blanket for loved ones. But, the legal definition of life insurance is a contract between you and the insurer, in which the insurer guarantees a tax-free lump sum of cash to your.. More

Most consumers don’t think a whole lot about life insurance, until they start their family, buy a house, or someone close to them passes away unexpectedly. When you have that family, you want to make sure they are secure financially if you were to pass away. Trying to do this without diverting money away from.. More

Most consumers when they think about life insurance, term life insurance is the first option that comes to their mind. Many consumers are familiar with term life policies and term life is the easiest to understand. Even though term life insurance is the most popular and purchased the most, there are many more life insurance.. More

What you are not being told about Universal Life Insurance Permanent life insurance is often known as cash-value insurance, because part of the money which you pay in premiums is invested by your insurance provider, potentially offering you tax-free revenue. To discover the best coverage for your circumstances at the most competitive prices, speak to.. More

Looking for the top rated Guaranteed Issue Life Insurance Companies? Well you have landed on the right page. With so many options to choose from, it’s difficult to know which company to purchase from. We are here to help! In this article we will review the top rated life companies selling guaranteed issue life insurance.. More

There are many benefits to owning a life insurance policy. Whether the death benefit is to replace income or to pay off a mortgage, most agree it’s an important piece to have in your financial portfolio. You don’t buy life insurance hoping to use it, you buy it just in case tragedy strikes, so that.. More

At Pinner Financial Services, LLC we are committed to researching and recommending the best life insurance companies and their products. In this article we will be reviewing the best term life insurance companies for 2019. We are basing our review on this criteria: Price Financial Ratings Underwriting Customer Service Riders What is Term Life Insurance?.. More

What is Adjustable Life Insurance? Often referred to as a universal life policy, adjustable life insurance is often described as a hybrid of a term and participating whole life insurance policy. These types of permanent life insurance policies are designed to have “flexible premiums” and an “adjustable death benefit.” Adjustable life policies offer a minimum.. More

At Easy Quotes 4  You, we are looking out for you. Our whole existence is based on saving you time, money, and your sanity while you shop for life insurance. We have done the research and come up with what we believe our the top 5 life insurance companies in America for 2019. We are.. More

Overview of Gerber Life Insurance Gerber Life Insurance is best known for its polices for children, but the company does sale term life and whole life polices to adults. Gerber Life sells directly to consumers rather than agents using commercials and direct mailers, very similar to AARP except you don’t have to be a member… More

For the majority of Americans, buying a home is the biggest investment of their life. While losing a loved one is hard enough, but losing the household provider can wreak havoc on your finances, but most importantly, the ability to stay in the home they love. With that said, what is the best way to.. More

What is the difference between Final Expense & Burial Insurance? The short answer is there is very little difference between the two, except what the death benefit proceeds are used for. Final Expense Insurance or Burial Insurance is a whole life policy, or also known as permanent life insurance. These policies are marketed to seniors.. More

AARP Life Insurance: Is it Right for You? For over 20 years, AARP has offered life insurance to its members through an unique arrangement with New York Life. New York Life is on of the nations oldest mutual life insurance company while compiling the top rankings from the rating agencies as seen below.   Seniors.. More

Guaranteed issue life insurance, also referred to as guaranteed acceptance life insurance is usually a whole life policy that requires no exam and asks no medical questions. These types of policies are usually restricted to a maximum $25,000 death benefit while the premiums are guaranteed for the life of the contract. Guaranteed issue life insurance.. More

If you are a parent to a special needs child, then I am sure this question has crossed your mind “How will I provide for my child after I am gone?” This was my first thought when my son, Liam, was diagnosed with down syndrome, 11 weeks in the womb. I knew he would be.. More

Having life insurance in place, whether you are young or old, is vital when you die. When young, we have life insurance to cover income replacement and debts, like a mortgage. As we get older, the debts get paid off and the children grow up, but the need for life insurance is still there. You.. More

If you have reached the age of 50 or above, then you have received countless mailers from the American Association of Retired Persons (AARP). These mailers are meant to inform you of the benefits that having a membership with AARP offers. AARP claims to offer the best and most affordable life insurance products for consumers.. More

If you ask most consumers, the most aggravating part of buying life insurance is having to take the medical exam. It can be inconvenient and intrusive to free up time for a stranger to come by and ask a bunch of personal questions. The good news is that now a lot of life insurance companies.. More

Whole life insurance, also known as permanent life or straight life insurance is a cash value type of policy which offers protection during the entire lifetime of the insured. It has two main benefits: A guaranteed death benefit and premium The cash value that is accumulated over the length of the policy and can be.. More

Mortgage protection insurance, or MPI, is a decreasing term life insurance policy meant to pay off the home if you pass away, or in some cases, make the mortgage payment if you were to become disabled and couldn’t work.

If you have loved ones that depend on you financially, then you probably need life insurance. Life insurance proceeds are paid out tax-free so that your loved ones can use it for such purposes as paying off debt, paying off mortgage, or income replacement to name a few.

Term life insurance is a basic, cheap, and relatively easy concept to understand. It can provide a death benefit with a stated premium that guaranteed level for the term period selected. Therefore, it is an excellent choice for the most consumers.

One of the greatest accomplishments that people make in their adulthood is buying their dream home and getting away from the rent payments. When you get rid of those rent payments and buy a home, many more responsibilities arise. Such as, maintaining the lawn, repair of appliances if necessary, homeowners insurance, and mortgage protection insurance. This can make things a little stressful. In this article we will explain what mortgage protection insurance is and if it’s a good buy.

If you are a policy holder with North American Life, then you probably already know what a great company they are. If you have never heard of North American, then read on for an in depth review. We will discuss the pros and cons and give our thoughts about North American at the end. North.. More

When you purchase a life insurance policy, essentially you are providing a safety net for your loved ones if you’re not around to provide for them. With a life insurance policy, your family can use the benefit to cover burial costs, mortgage payments, and kids education just to name a few. If you have ever.. More

When you buy a house, it is one of the most overwhelming, yet rewarding purchases of your life. The worry of “will I be able to make the payment” or “did I buy the right house” seems to be a norm.

As you get older, and more wiser you start to look back when you were younger and wish you had done things a little bit differently.  This is especially true when it comes to Life Insurance. When we are young and healthy we don’t feel we need life insurance so we wait to buy or.. More

With the explosion of the internet also came recognition for life insurance companies that most people have never heard of. Easier to advertise and get their name out there with social media and email marketing campaigns. Well one company that has been around a long time and starting to get some exposure is American National.. More