Life Insurance Blog

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

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

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

What is Life Insurance Used For? 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.. More