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Life Insurance Blog

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

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, a criminal record and even.. More

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 have family dependent on them… 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

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

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

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

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

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

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 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 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

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 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

With over 30 million Americans living with diabetes we get this is a question on a regular basis.  You can qualify for life insurance if your diabetic, 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 team.. More

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 million new cancer diagnosis in.. More

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 is that it comes to an end. Term does expire depending on the length.. 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

Are you thinking about buying life insurance online? If so, we got you covered. There has been a trend over the last few years in that most consumers looking to buy life insurance, do so online.  Most are “googling” the different types of coverage or they are looking for a quote.  We will cover what.. More

You have probably heard of Transamerica Life because they do a great job of advertising. Whether it’s from commercials or sponsoring PGA events, their name is one of the most recognizable life insurance companies their is. Transamerica has one of the most competitive term products on the market which makes them a great company to.. More

Do you consider yourself or any other member of your family a high-risk life insurance applicant? Are you wondering if the amount of risk in your life can affect your chances of getting covered? Well, if yes is your answer to these questions, you’re certainly not alone. Life, for the most part, can be a.. More

The purchasing of a life insurance policy can be an intimidating process, especially when your agent over complicates the situation.  This blog post is meant to help you understand the different types of life insurance policies and how they work. There are basically 3 types of life insurance policies to choose from.  There is term.. More

Buying Life Insurance Online: What you need to know! Are you thinking about buying life insurance online? If yes, you’re certainly not alone; today, life insurance is incredibly popular among consumers of all ages. Life insurance is clearly one of the many important purchases you’ll make in your life. And yes, failure to buy life.. More

Let’s face it; basically, every one of us has heard about insurance and its many types — car insurance, life insurance, health insurance, homeowners insurance, travel insurance and more. But of course, our focus here is on life insurance. In today’s world, insurance and its processes can seem a bit confusing and difficult to understand… More