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

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

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 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 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

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 life insurance for stay at home parents is not important.  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.. 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

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

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

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