Life Insurance Blog

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

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 you need to know to get the most accurate quote online. There are 2.. 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

Just decided to get started with life insurance? 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 super important purchases you’ll ever make. And yes, failure to join the club on time may only do your family more harm.. 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