Types of Life Insurance

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What is permanent life insurance?

Did you know you can use permanent life insurance as an investment in addition to life insurance coverage? Permanent life insurance has several perks you can take advantage of while ensuring the financial well-being of those closest to you. But which permanent life insurance is best? And where can you buy permanent life insurance? Don’t...

Did you know you can use permanent life insurance as an inve...

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Term vs. Permanent Life Insurance: Which is better?

Do you want to compare term vs. permanent life insurance quotes? Term and permanent life insurance are available through insurance companies across the United States. But which one is better? And what does term life insurance mean? Don’t worry, we’re here to help. Our guide has everything you need to know about term vs. permanent...

Do you want to compare term vs. permanent life insurance quo...

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Best Life Insurance Companies That Allow Assignment of Collateral (2022)

When you first consider getting life insurance, it’s usually from a desire to provide financial security for your loved ones after your death. However, many people don’t realize that their policies can be used as collateral for a loan. Companies are often excited to use a life insurance policy for collateral on a loan because...

When you first consider getting life insurance, it’s usual...

No Exam Life Insurance: Buyer’s Guide (Companies + Rates)Post

No Exam Life Insurance: Buyer’s Guide (Companies + Rates)

If you want life insurance coverage but don’t want to take a medical exam, you can still get up to $500,000 in coverage with a no exam life insurance policy. No exam life insurance policies often have higher costs and lower face values than a policy that requires an exam. We designed this guide to...

If you want life insurance coverage but don’t want to ...

Indexed Universal Life Insurance: Pros & Cons (Companies + Rates)Post

Indexed Universal Life Insurance: Pros & Cons (Companies + Rates)

As a whole life insurance product, indexed universal life insurance or IUL offers both life insurance and an investment tool and is now looked at as an additional piece in one’s overall financial plan. What makes an IUL attractive is the ability to invest in the performance of the market without actually investing in the...

As a whole life insurance product, indexed universal life in...

Key Person Insurance: Buyer’s Guide (Companies + 2022 Rates)Post

Key Person Insurance: Buyer’s Guide (Companies + 2022 Rates)

Key person insurance is a type of corporate-owned life insurance that covers the most important employees in a business. In most cases, this type of life insurance covers CEOs or managers. Rates start as low as $100/month. But is it right for you? One of the most frequently asked questions about life insurance is how...

Key person insurance is a type of corporate-owned life insur...

10-Million-Dollar Term Life Insurance PolicyPost

10-Million-Dollar Term Life Insurance Policy

If you intend to buy a 10-million-dollar life insurance policy, in addition to being healthy, you’ll need to demonstrate your financial need for such amount. After all, the purpose of life insurance is to safeguard a client’s wealth, not build it. Our needs and wants are constantly clashing with each other. Do I need this...

If you intend to buy a 10-million-dollar life insurance poli...

What is a life insurance death benefit?Post

What is a life insurance death benefit?

Life insurance death benefit is one of the most commonly used phrases in the life insurance industry. Coincidentally, it is also the main reason that most people will purchase a life insurance policy. However, as simple as it appears to be, most consumers can’t distinguish between death benefit, face amount, or cash value when looking...

Life insurance death benefit is one of the most commonly use...

Learn the Facts About Annual Renewable Term Life InsurancePost

Learn the Facts About Annual Renewable Term Life Insurance

You may have heard of 10-, 20-, or 30-year term life insurance, but did you know you have another alternative called annual renewable term life insurance?  In this post, we will answer the question: what is a renewable term? I will explain the annual renewable term, pros & cons, and pricing compared to a level...

You may have heard of 10-, 20-, or 30-year term life insuran...

Guaranteed Universal Life InsurancePost

Guaranteed Universal Life Insurance

If you are too scared to outlast your policy’s term and dislike the thought of paying for a whole life plan, you landed on the right page. Guaranteed universal life may be your hope. With so many similarities to both term and whole life, GUL offers the best of both worlds, without the complexities nor...

If you are too scared to outlast your policy’s term and di...

Pros and Cons of Term Life InsurancePost

Pros and Cons of Term Life Insurance

With so many controversies concerning buying term life insurance, I wanted to present a few ideas for you to ponder and decide for yourself. Some are saying term life is a waste of money while others argue you should buy term and invest the difference. I believe that there is no one policy that will fit...

With so many controversies concerning buying term life insur...

Term Life Insurance Rates by Age (Exam & No-Exam)Post

Term Life Insurance Rates by Age (Exam & No-Exam)

Sample life insurance rates are provided on this page because we believe it’s a good business practice to show all the rates before we ask for your personal information. It’s worth mentioning that prices are fixed by law, which means you can’t find a lesser rate for the same product offered. So, whether you plan...

Sample life insurance rates are provided on this page becaus...

Burial & Final Expense Insurance: Buyer’s Guide (Companies + Rates)Post

Burial & Final Expense Insurance: Buyer’s Guide (Companies + Rates)

The last thing any of us want to be worrying about in our final days is how much of a burden on the family our final expenses will be. In response, the insurance industry created burial and final expense insurance to take away the end-of-life financial stresses. Your search for understanding the best way to...

The last thing any of us want to be worrying about in our fi...

Best Guaranteed Issue Life Insurance PoliciesPost

Best Guaranteed Issue Life Insurance Policies

If you landed on this page, you are probably looking for the top guaranteed issue life insurance companies. With so many choices presented to consumers, how do you know which company will be best for you? In this review, I will compare rates, benefits, and financial ratings for the top four guaranteed issue life insurance...

If you landed on this page, you are probably looking for the...

Accidental Death and Dismemberment Insurance (AD&D)Post

Accidental Death and Dismemberment Insurance (AD&D)

If you purchased accidental death and dismemberment policy and thought it was term life insurance, you have many reasons to be angry. I have decided to write this post for that exact reason. I got tired of getting phone calls from potential clients who said someone got them life insurance, with $250,000 in coverage for...

If you purchased accidental death and dismemberment policy a...

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