At Pinner Financial Services, LLC we are committed to researching and recommending the best life insurance companies and their products.
What is Adjustable Life Insurance? Often referred to as a universal life insurance or UL, 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.. More
At EasyQuotes4You, 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 best life insurance companies in America for 2019.
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.
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 are.. More
What is Guaranteed Issue Life Insurance 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.. 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
AARP Permanent Life Insurance 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 permanent life insurance claims to offer the best and.. More
No Exam Life Insurance 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.. 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
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.
North American Company Review If you are a policy holder with North American Life Insurance, 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.. 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.
Life Insurance for Seniors 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.. More
American National (ANICO) Review 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.. More
Having a child or children with special needs comes a lot of planning in day-to-day life. The action that often gets put on the back burner when you have a special needs child is financial planning for their future!! Planning for your child’s future in the event they are unable to support or care for.. More
Being a parent to a special needs child is one of the most challenging yet rewarding jobs of our lifetime. I know because I am the father to a beautiful son (pictured above) who has down syndrome. Watching our children struggle with the most basic aspects of life is difficult for any parent. With that.. More
Graded Benefit Whole Life Insurance When you have a serious health condition, many tend to believe that they will get denied life insurance. Normally that isn’t the only reason, many other factors lead to denial of life insurance. Such as if you have multiple DUIs or reckless driving, if you have a history with drugs/alcohol,.. More
Life Insurance at Age 65 By the age of 65, it is likely that you have purchased life insurance. But in some cases, a lot of Americans haven’t. At this age you most likely need it but risk the prices being extremely high. Many still have debts and mortgages to pay off, and some still.. More
How to buy life insurance online? Are you looking to buy life insurance online? Don’t look any further, we have you covered. We will discuss what the benefits of life insurance are, what types of policies are available, and what to look out for when purchasing online. So sit back with your cup of coffee.. More
When you purchase a home, this usually will be one of the biggest financial obligations of your life. Your life insurance policy will become essential in your financial planning, especially when buying a home with a spouse or loved one. In 2015, homeowners median monthly mortgage payment was $1,030 according the U.S. Census Bureau. Mortgage.. More
There is no doubt that purchasing a home will be the biggest investment of most people’s lives. It will be one of the most exciting times, but can also be very stressful. It is easy to get burnt out by a host of new chores and financial worries that may have never crossed your mind… More
Why is Term Life Cheap? A question we get a lot when quoting life insurance to our clients is; why is term life cheap, especially compared to 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.. More
Term life insurance is chosen more often than all permanent life insurance products together (whole life and universal life).
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
Typically, most people don’t wake up in the morning thinking today is the day I’m buying life insurance. In most cases, people are motivated to buy life insurance because of a live event, usually a birth or a DEATH. Sometimes its effective advertisement or maybe even a pesky relative who’s just gotten in the business.. More
Indexed universal life insurance is a universal life insurance policy that includes cash value and a guaranteed death benefit. 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 a ceiling and floor cap depending on the stipulations in.. More
If anyone has ever talked with you about using life insurance as 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.. More
What’s a reason to buy life insurance? 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.. 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 life insurance, 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 Life Insurance? 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 life insurance for stay at home parents is not important. 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.. More
Living Benefits Life Insurance If you have done your financial planning homework there is a good chance that you own a life insurance policy. You have the amount of coverage needed to protect your family and have chosen the policy (term or permanent) that best fits your situation. That is wonderful but you may be.. 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 and Final Expense Universal Life Insurance (There are 3 variations of universal life: Guaranteed Universal Life, Indexed Universal Life,.. More
What is Indexed Universal Life? Indexed Universal Life insurance is an adjustable life insurance policy. It 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.. More
Life Insurance for Children 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 value to your child. Life insurance for children should be a discussion to have for every parent. Life insurance.. More
Life Insurance on your parents is an intricate part of your planning especially if it hasn’t been purchased by your parents already. 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 these criteria are met… 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
Life Insurance for Diabetics With over 30 million Americans living with diabetes we get this is a question on a regular basis. Life insurance for diabetics is obtainable, but it’s not as simple as you think. There are a lot of other things that will factor into your ability to qualify. You will want to.. More
Life Insurance for Cancer Survivors I am writing this blog to try and clear up some of the misconceptions with cancer and the purchasing of life insurance. If you have had cancer or have it now, you are not completely out of luck. In 2018, the National Cancer Institute estimates there will be over 1.7.. More
Is Your Term Life Insurance Expiring? Term life insurance is a great product to own. It is cheap and easily understood. If you pay the premium set by the insurance carrier and you die, then the claim is paid. Easy enough right? The major problem with term life insurance is that it comes to an.. More
Down Syndrome This blog post I am a little too familiar with. My first and only child Liam, who is 7 months old, has down syndrome. I know all too well the challenges we face when it comes to securing life insurance on our little ones. In this article, I will give you some hope that we can.. More