Life Insurance

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

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 be used for paying off.. More

Variable life insurance, also called variable universal life insurance  offers lifelong coverage as well as a cash value component. Variable 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 policies.. More

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 expose the myth that quality life.. More

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 need life insurance in the.. More

In this article we will dive into Mutual of Omaha’s life insurance products, financial strength, and their niche coverage’s. Mutual of Omaha has been offering insurance products for over 100 years and prides itself on excellent customer service and innovative products. With more than $30 billion in assets under their management, Mutual of Omaha is.. 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. Two-thirds of consumers overestimate how much life insurance would cost, usually by hundreds of dollars. With 64% of Americans citing budget as the reason they don’t.. More

The life insurance retirement plan, commonly referred to as LIRP, is an impressive financial tool used by millions of Americans in order to protect and secure their way of living well into retirement and beyond.  While there are hundreds of different products and services available in the insurance industry, none offers the safety and flexibility.. More

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 AD&D policy doesn’t cover death.. More

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 group life insurance at no added cost, which you should take advantage of, even if you already have enough.. More

Detailed Review of Assurity Life Insurance Company In this article, we will review Assurity Life Insurance Company’s insurance products and address the positives and negatives if any. My primary goal is to help you find the best life insurance policy that fits your needs. Here we go: Assurity Life Home Office: Lincoln, Nebraska Customer Service:.. More

With a lot of companies moving towards no medical exam life insurance policies, 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 coverage. We compare price, strength.. More

What is the Definition of Life Insurance? Life insurance can be defined as many things, such as peace of mind or a security blanket for loved ones. But, the legal definition of life insurance is a contract between you and the insurer, in which the insurer guarantees a tax-free lump sum of cash to your.. 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

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 are many more life insurance.. More

Universal life insurance (UL) is a policy that offers lifelong coverage to age 121 and builds up cash value as long as premiums are paid. Often referred to as adjustable life insurance because the premiums and death benefits are flexible, while allowing more options on how the cash value is invested. Universal life insurance (UL).. 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.. More

There are many benefits to owning a life insurance policy. 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.. More

At Pinner Financial Services, LLC we are committed to researching and recommending the best life insurance companies and their products. In this article we will be reviewing the best term life insurance companies for 2019. We are basing our review on this criteria: Price Financial Ratings Underwriting Customer Service Riders What is Term Life Insurance?.. More

What is Adjustable Life Insurance? Often referred to as a universal life policy, 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 insurance policies offer a.. More

At Easy Quotes 4  You, 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 top 5 life insurance companies in America for 2019. We are.. 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

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 the contract. Guaranteed issue life insurance.. 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

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 claims to offer the best and most affordable life insurance products for consumers.. More

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 of life insurance companies.. More

Whole life insurance, also known as permanent life or straight life insurance is a cash value type of policy which offers protection during the entire lifetime of the insured. It has two main benefits: A guaranteed death benefit and premium The cash value that is accumulated over the length of the policy and can be.. 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

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 wait to buy or.. 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

Thinking about buying 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

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).

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

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

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

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

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