Life Insurance

All you need to know about life insurance before you make a purchase.

What is Preneed Funeral Insurance? Preneed funeral insurance is a type of insurance policy that covers the expenses of a funeral, burial, or cremation. This type of insurance is designed to help individuals and their loved ones prepare for end-of-life expenses and avoid financial hardship³. Preneed insurance is used to fund a funeral service agreement.. More

Welcome to EasyQuotes4You and thank you for visiting our site. Today we are going to talk about exactly how does life insurance work & why you need it. How Does Life Insurance Work? Life Insurance is a contract between you (the insured) and the insurance company (the insurer). This contract or policy is a promise.. More

What is Return of Premium Life Insurance? To most consumers, life insurance is used to protect there loved ones in case of a premature death. And most life insurance isn’t something that you get money back unless you do die. But what if I told you that their is a life insurance product that you.. More

If you have found this blog post, then you are probably thinking about purchasing a million dollar life insurance policy, and you are wondering; What does a million dollar life insurance policy cost? The good news is you have come to the right place. We will go over why you need a million dollar life.. More

What’s Better for New Parents — Traditional or No Exam Life Insurance? As a new parent, it’s only natural to want to give your child the world. Shelter, food, and love are the basics, of course, but there’s something else that is equally as important: Life insurance. Buying life insurance for yourself is the best.. More

How Is Life Insurance Affected By The Coronavirus How is life insurance affected by the Coronavirus, is a question we get asked a lot these days. As the reality of the Coronavirus (COVID-19) sets in, many people who don’t have life insurance currently, are seeking to get protection fast. And the consumers who are insured.. More

United Home Life Insurance Company (UHL) Review Today we are going to review United Home Life Insurance Company and its parent company United Farm Family Life. We will go over their history, ratings, and what types of products that they offer. United Home Life Insurance Company was established in 1948 and has been offering life.. More

Whole Life vs Universal Life When it comes to buying life insurance, it can be intimidating figuring out which type of life insurance best fits you. What is best when it comes to Whole Life vs Universal Life? Well that all depends on what the life insurance is for and what your goals for the.. More

As a homeowner, it’s essential to have a plan to keep your loved ones protected just in case of the unexpected tragedy. This is where mortgage protection life insurance becomes an important addition to your financial portfolio. This is a valuable tool for financial planning, that gives families the opportunity to remain in  their homes in the.. More

Life Insurance for Teachers If you teach, I understand how hard it is to find time to sit down and review what type of life insurance would be best for you and your family. Most school systems give you some life insurance for free, usually up to 1 years’ salary, and you have an option.. More

When is it appropriate to talk about Death? It’s a scary subject and people don’t like talking about it. When you bring money and death together – you can bet nobody is coming over for dinner at your house anymore. Life after death always makes people nervous and most prefer not to think too much.. More

Disability Insurance Explained Most people know someone that has had health issues or been involved in an accident that left them unable to work for an extended time. This is hard watching someone struggle to make ends meet during this time, and even harder to imagine that it could be you or a family member… More

Guaranteed UL vs. Traditional UL If you have ever researched permanent life insurance, you probably have noticed that universal life insurance or sometimes referred to as adjustable life insurance comes in many different shapes and sizes. You have guaranteed universal life (GUL), traditional universal life (not guaranteed), indexed universal life, and variable life insurance. In.. More

What is the Life Insurance Medical Exam A Life Insurance Medical Exam is a requirement by the insurance carrier in order to review your medical history and assess what your overall health and life expectancy is. This gives the life insurance carrier an idea of how much risk they may be taking by insuring you… More

Sagicor Life Insurance is one of are go to no exam life insurance companies. They are truly an innovator in the life insurance marketplace. Sagicor Life Insurance offers non medical term life, universal life, and whole life insurance policies.

Have you ever wondered what your chances of dying in an accident are? Well according to the CDC, accidents are the 5th leading cause of death in America. It only trails causes like heart disease, cancer, lung and respiratory diseases and strokes.

This is why Accidental Death & Dismemberment or AD&D Insurance should be a part of your financial portfolio. Especially for Americans age 25-44 years of age.

Accidental deaths in 2017 only accounted for 5.4% of deaths in the United States. But deaths of Americans age 25-44 was 30.2% in 2017.

Life Insurance for Seniors Over 55 Life insurance is cheap and simple when you’re in your twenties or thirties and in good health. In fact, nowadays a thirty-year-old healthy male non-smoker can get a $1 million term policy for about $30 a month. That’s less than two large pizzas! But what about those folks who.. More

Life Insurance Rates for 2020 If you are looking to find out what life insurance rates are in 2020, you clicked on the right blog. We have done the research for you, analyzing the top life insurance companies in the United States. We have compiled a list of term life and permanent life insurance rates.. More

Life Insurance for Seniors Over 60 – 5 Policy Options Even though life insurance for seniors over 60 will cost more than young adults in their 20s and 30s, seniors still have options for buying affordable life insurance. Life insurance for seniors over 60 should be based on their needs more than their budget. With that.. More

When you are shopping for life insurance, there are many options when it comes to insurance companies, product type, and optional coverages. But, what about underwriting? There are options for underwriting as well. Which type of underwriting is best? What are the differences? Which underwriting delivers the cheapest rate? Here, we’ll discuss the difference between.. More

Life insurance is generally fairly cheap and simple for young adults who are active and healthy. In fact, unless you have some health conditions that could impact your insurance rates, young adults can buy a million dollar term policy for about the price of a large pizza. In this article we will talk about affordable.. More

No matter what type of insurance you are researching or buying, it’s likely that you’ll find it confusing when you’re considering which product will work best for your circumstances. Yes, there are many life insurance products out there, but there really needs to be because different products are suited for different needs. Here, we’ll discuss.. More

Guaranteed Universal Life Insurance (GUL) Have you thought about buying term insurance but your reluctant having something temporary even though it’s so cheap? Typically, people who pass on term insurance and then look at the cost of whole life insurance are blown away by the cost of insurance – talk about sticker shock! Don’t give.. More

Marijuana and Life Insurance With medical marijuana legal in 33 states and recreational use legal in 10 states, it was just a matter of time before life insurance companies had to start looking at marijuana usage much differently than in the past. Not all insurance companies see the usage of marijuana the same, so read.. More

As an insurance professional, I used to get this question from existing clients all the time. It’s not surprising that many adult children out there feel like they will be responsible for the funeral and burial of parents who for whatever reason, have very little life insurance or no life insurance at all. In most.. More

When it comes to getting a life insurance policy, most people have the mindset to “set it and forget it” until the policy is set to expire or they need to file a claim. However, if you take just a few minutes each year to review these five things on your life insurance policy, it.. More

Life Insurance for Dummies Although the title “Life Insurance for Dummies” is popular and easily catches attention, the better title would have been “Life Insurance for Beginners.” Learning about life insurance can be confusing, complicated, and boring, and most people roll their eyes when they even think of it. Unfortunately, almost everyone needs life insurance.. More

Best Life Insurance for Physicians A key component of a good financial plan for physicians and medical professionals, whether it’s personal or business, is having sufficient life insurance coverage. The lump sum death monetary benefit from life insurance has multiple purposes beyond just final expenses and funeral costs. Depending on your situation, it could also.. More

Variable life insurance, also called variable universal life insurance  offers lifelong coverage as well as a cash value component. Variable universal life insurance policies offer higher upside potential than other permanent life insurance, such as whole life. This may sound great, but we urge you to be careful when choosing a variable life policy. These.. More

Life Insurance for Seniors over 70 It is curious that lots of seniors presume that life insurance may no longer be an option once they’re over age 70 years old. Many believe the cost will be unaffordable or that medical problems will prevent them from being approved for a policy. In this guide, we will.. More

Best Life Insurance for Seniors It’s obvious that in today’s economy, there is no shortage of information regarding the best life insurance for seniors. Most of the articles you’ll likely find will focus on the lowest rates or a specific kind of life insurance. But, what seniors should consider first and foremost is why they.. More

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

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

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

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

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

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

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

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

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.

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

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

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