What is Decreasing Term Life Insurance? Most consumers are very familiar with term insurance products, but what most people aren’t aware of is the specific types of term life insurance such as decreasing term insurance, level term insurance, and annual renewable term insurance. In this article, we will go over the pros and cons of.. 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

At Pinner Financial Services, LLC we are committed to researching and recommending the best life insurance companies and their products.

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

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.

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).

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

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

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