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. Life insurance rates have been dropping in the United States for the last decade. Two-thirds of consumers overestimate how much life insurance would cost, usually by.. More
LIRP: All you need to know 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.. 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 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.. More
All you need to know about Group Life Insurance 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 supplemental life insurance at no added cost, which you should.. More
Assurity Life Insurance Company has been doing business since 1890. They are dedicated to protecting the financial security of their policyholders.
Assurity proudly boasts an A-rating (Excellent) from A.M. Best Company, which is only given to companies that present an excellent ability to meet future insurance obligations. There is no wonder Assurity Life is on our list for best no medical exam life insurance companies.
Best No Medical Exam Life Insurance Companies With a lot of no medical exam life insurance companies, 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.. More
Life Insurance Definition Life insurance definition can be explained as many things, such as peace of mind or a security blanket for loved ones. But, the legal life insurance definition is a contract between you and the insurer, in which the insurer guarantees a tax-free lump sum of cash to your beneficiaries in exchange for.. 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
Types of Life Insurance Explained 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.. 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 based on their rates, benefits offered, and there financial ratings. After reading this article, any doubts about which companies are the best should be cleared up.
There are many benefits of life insurance. 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 your loved ones.. More
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
When most consumers first start to take a look at life insurance, the first question that comes to mind is- Should I buy whole life insurance or term life insurance? In this article we will break down the different types of whole life insurance policies in hopes to help you choose which is best for.. 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
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