Michael Quinn

Michael is a licensed life insurance agent, expert & owner of Life Insurance Blog. LIB has helped thousands of shoppers understand life insurance and secure affordable coverage.

is whole life insurance better than term

15 reasons why whole life insurance is better than term life insurance

Are you trying to decide between whole life insurance and term life? Understanding the differences between term life vs whole life is a great first step in the life insurance buying process. Choosing the wrong policy can be a potential disaster. Let’s learn how to avoid that. In this post, we will go over the …

15 reasons why whole life insurance is better than term life insurance Read More »

Return of Premium Rider

Return of Premium Rider

Does a Return of Premium Rider fit into your life insurance goals? A life insurance policy is designed to protect your loved ones from a financial disaster? That’s the whole reason for life insurance. However, instead of buying lifetime coverage, you may only need to protect your loved ones from short-term expenses. These can be things …

Return of Premium Rider Read More »

Can I Get Life Insurance With an Irregular Heartbeat

Can I Get Life Insurance With an Irregular Heartbeat?

When you have an irregular heartbeat or other health conditions, qualifying for a life insurance policy can be extremely challenging depending on the specifics of your health history…even from the top 10 life insurance companies. When you’re diagnosed with an an irregular heartbeat, you’ll face unique challenges when trying to secure a policy. The good …

Can I Get Life Insurance With an Irregular Heartbeat? Read More »

DEATH DATA

Leading Causes of Death

Leading Causes of Death Death Data and Mortality Statistics – The Definitive Guide This article and all of its visualizations will help to explain the causes of death across age groups and locations.  The charts and graphics below are interactive, so make sure to click around and hover your mouse over the data to experience …

Leading Causes of Death Read More »

long term care rider

Long Term Care Rider

Wondering if life insurance with long term care rider is worth it? Adding a long term rider (LTC) to your life insurance policy can really help lessen your concerns about getting extra help down the road.

Getting Life Insurance With a History of Prostate Cancer

Getting Life Insurance With a History of Prostate Cancer

Getting Life Insurance With a History of Prostate Cancer: Prostate cancer is the most common cancer for men with about 238,590 new cases being diagnosed every year. Unfortunately, this disease can make getting life insurance difficult, and this is unwelcome news to a man who just wants to ensure that his family is financially taken …

Getting Life Insurance With a History of Prostate Cancer Read More »

Waiver of Premium Rider

Waiver of Premium Rider

When you use life insurance riders, they can help customize your life insurance policy to exactly how you want it. The waiver of premium rider will pay for all of your future life insurance premiums if you happen to become disabled. This waiver of premium rider is not included with every policy. It’s an optional …

Waiver of Premium Rider Read More »

Life Insurance Blood Test

Life Insurance Blood Test

For many people, the thought of participating in a blood test for life insurance sounds as fun as getting stuck in an elevator. Typically, the life insurance blood test is unavoidable and needs to be completed before you can get approved. This is standard even for the top rated life insurance companies. We’re going to …

Life Insurance Blood Test Read More »

How Long Does Life Insurance Underwriting Take

Life Insurance Application: How Long Does Underwriting Take?

Every person who applies for life insurance is waiting to hear the glorious phrase, “Congratulations, your life insurance application is approved!” – but how long does life insurance underwriting take? It varies — by a lot! When applying for a life insurance policy, there are several steps that need to occur before you’re approved. It …

Life Insurance Application: How Long Does Underwriting Take? Read More »

Life Insurance Approval after Gastric Bypass Surgery

Life Insurance Approval After Gastric Bypass Surgery

Life Insurance Approval After Gastric Bypass Surgery Is life insurance approval after gastric bypass surgery possible? Who are the top 10 life insurance companies for this condition? It’s sometimes difficult to attain a life insurance policy and get coverage when you have a health condition that is poor or potentially risky. And, that’s generally because …

Life Insurance Approval After Gastric Bypass Surgery Read More »

Irrevocable Life Insurance Trust

Irrevocable Life Insurance Trust: The Ultimate ILIT Guide

Forming an irrevocable life insurance trust, often referred to as an ILIT, is a popular way to avoid estate planning problems. Life insurance is often purchased to solve estate planning issues, but unless you’re careful- it can actually create some significant tax complications. You may not be aware that your estate can include the death …

Irrevocable Life Insurance Trust: The Ultimate ILIT Guide Read More »

What To Do When Someone Dies

What to do when someone dies

When someone dies, the outcome can be devastating for whoever is left in charge. Handling a death can often be very confusing and quite emotional. Learn what you need to do and say after someone close has died.

Disability Income Rider

The Disability Income Rider— Why Everyone Should Consider It

Should you buy a Disability Income Rider? When buying a life insurance policy from the top life insurance companies, you may come across something called a disability income rider. Riders can be an excellent addition for some policy owners. A disability income rider offers financial security to the individual who owns a life insurance contract …

The Disability Income Rider— Why Everyone Should Consider It Read More »

life insurance while pregnant

Is it Difficult to Get Life Insurance While Pregnant?

We should start off by saying, Congrats! Whether you’re planning on getting pregnant or you’re adding to your family – this is a wonderful time to enjoy. It’s almost as enjoyable as reading about insurance! Probably not (unless you’re getting hit with morning sickness), but you’re here asking, “Can you get life insurance while pregnant?”   …

Is it Difficult to Get Life Insurance While Pregnant? Read More »

life insurance buying guide

13 steps showing exactly how to buy life insurance

We put together our “13 Steps Showing Exactly How to Buy Life Insurance” guide for shoppers who are frustrated and overwhelmed with the life insurance buying process. With so many great life insurance companies to choose from, it’s easy get frustrated, but that frustration ends now! https://youtu.be/0gQ-bOeLn5o Studies have shown that over 18 million people …

13 steps showing exactly how to buy life insurance Read More »

life insurance suze orman

Life insurance suze orman: What Does she think About getting covered?

Suze Orman is a renowned financial advisor, TV personality and motivational speaker. She is the author of 10 books and has been the host of the award-winning “The Suze Orman Show” since 2002, on which she advises people on different matters concerning personal finances and investments. So, what does Suze Orman say about life insurance? …

Life insurance suze orman: What Does she think About getting covered? Read More »

What is Life Insurance Underwriting

What is Life Insurance Underwriting?

Ok, so what is life insurance underwriting? This is an important question that many life insurance shoppers should be asking. Basically, it’s when companies implement a screening of potential insureds using risk evaluation and premium-setting processes. It’s completely necessary and a fundamental system of insurance underwriting. You have probably done all your homework by searching …

What is Life Insurance Underwriting? Read More »

life insurance for private security contractors in dangerous places

Life Insurance for Private Security Contractors in Dangerous Places

Life Insurance for Private Security Contractors in Dangerous Places: Private contractors often work for six figure incomes and tax benefits from overseas contract work. For many Americans looking for employment, it’s a great opportunity. This is especially true for ex-military. Ex-Military private security contractors can make significantly more money working for private military contracts then …

Life Insurance for Private Security Contractors in Dangerous Places Read More »

faq

FAQ

Looking for answers to your life insurance questions? Our FAQ provides the answers to the most frequently asked life insurance questions.  LIFE INSURANCE FAQ There are no costs for our clients when applying for a life insurance policy. The purpose of an application is to see what official rate a life insurance company will offer …

FAQ Read More »

firefighter funeral

Firefighter Funeral Traditions

Firefighter funeral traditions provide our fallen heroes the respect and gratitude they deserve for the ultimate sacrifice they made to our society. The types of funerals that firefighters have are usually classified as: Formal (full military-style honors and traditions) Semi-formal (some traditions and honors) Non-formal Private When firefighters pass away their family isn’t alone. The …

Firefighter Funeral Traditions Read More »

Life insurance over 65

Life insurance over 65

Are over 65 and considering buying life insurance? Who is the best life insurance company for people over 65?  Perhaps your term policy is expiring soon and you’re shopping for a new policy? In this article I’ll discuss term life options for those over 65, including life insurance no exam for seniors and why AARP is …

Life insurance over 65 Read More »

Arthritis Life Insurance

Is Arthritis Life Insurance Possible & Affordable?

Are you in need of arthritis life insurance, but not sure if you’ll qualify for coverage? This article will provide you what you need to know about obtaining coverage. We’ll show you key details from the underwriter’s perspective. What is the best life insurance company for Arthritis? Discovering which life insurance companies that have favorable …

Is Arthritis Life Insurance Possible & Affordable? Read More »

Life Insurance Costs

Life Insurance Costs

Life insurance costs can be very confusing and difficult to figure out because there are so many different types. When shopping for life insurance from the best life insurance companies – you need to take into consideration product options such as whole life, term life, and universal life insurance. Your life insurance cost can vary …

Life Insurance Costs Read More »

How much life insurance do I need

How Much Life Insurance Do I Need Calculator Search Tool

How Much Life Insurance Do I Need? This is often the first question shoppers ask before buying life insurance. Understanding how much life insurance you need is obviously important. This goes without saying. Usually everyone knows that life insurance will cover: Future Income Mortgage Funeral Costs However, there are several areas that you may not be thinking …

How Much Life Insurance Do I Need Calculator Search Tool Read More »

Life Insurance with Cardiomyopathy

Life Insurance with Cardiomyopathy

Life Insurance with Cardiomyopathy Any sort of pre-existing medical condition raises concern among the top rated life insurance companies— especially when that condition concerns the heart. Cardiomyopathy is a condition, or rather a group of conditions, that affect the heart muscle. It varies very much in severity and complexity, and fortunately life insurance companies understand …

Life Insurance with Cardiomyopathy Read More »

chewing tobacco life insurance blood test

Chewing Tobacco Life Insurance Blood Test: What you need to know

Tobacco products are not created equal and the same goes for qualifying for life insurance. Chewing tobacco presents some health risks, but they aren’t significant in the eyes of some life insurance companies. The best life insurance companies know this and can give you a much better deal compared to the competition. Most insurance providers charge …

Chewing Tobacco Life Insurance Blood Test: What you need to know Read More »

How Does High Cholesterol Affect Life Insurance Rates

How Does High Cholesterol Affect Life Insurance Rates?

If your doctor has told you that you have high cholesterol, it’s natural to feel concerned about how it affects your life insurance rates. But the truth is that life insurance providers and doctors define “high cholesterol” differently. Even more confusing, each life insurance company has its own guidelines for what are acceptable cholesterol levels, …

How Does High Cholesterol Affect Life Insurance Rates? Read More »

Interesting Facts About Life Insurance

facts about life insurance Statistics – 20 Suprising Stats

Life Insurance Statistics Raise your hand if you love facts about life insurance statistics! What…nobody? What about life insurance trivia? Still nobody? Well perhaps we’re a little wacky at LIB because we put together a bunch of life insurance fun facts for you. In fact (no pun intended), we have over 20 Interesting Insurance facts …

facts about life insurance Statistics – 20 Suprising Stats Read More »

Police Life Insurance

Police Life Insurance

Many occupations can be considered high risk in the eyes of life insurance companies and their underwriters — but not for police officers. The majority of police officers can buy life insurance without being penalized — just as long as your health and other underwriting factors are ok (more on that later). If want to …

Police Life Insurance Read More »

Does Bankruptcy Affect Life Insurance

Does Bankruptcy Affect Life Insurance Application and Approval?

Does bankruptcy affect life insurance? It sure can. Shoppers are often shocked to hear that their financials are factored into the life insurance process. There are many factors involved – some more obvious than others. What is the best life insurance company for bankruptcies? It will depend on several things. Your health, family history, any …

Does Bankruptcy Affect Life Insurance Application and Approval? Read More »

20 Year Term Life Insurance

20 Year Term Life Insurance

What does a 20 year term life insurance policy mean?? 20-year term life insurance is a type of life insurance that provides coverage for 20 years. It’s a level term life policy, meaning the premiums that you pay and the coverage you get lasts for 20 years.

Another Test

When are you going to die? Have you ever wondered ‘when will I die?’…Well our digital life expectancy calculator is going to answer that for you.  Your death date* will depend on a variety of factors like your lifestyle and how much you smoke. To predict your death date, just input your BMI and a …

Another Test Read More »

is life insurance taxed

Is life insurance taxed

Is life insurance taxed? It would be great if this one question could be answered with one response. Understanding the tax rules on life insurance can’t be answered with 1 simple answer unfortunately. Top 10 Life Insurance Tax Tips Here are the 10 most common life insurance tax situations and answers to the questions that …

Is life insurance taxed Read More »

NCE Generations Plus Guaranteed Issue Life Insurance

NCE Generations Plus Guaranteed Issue Life Insurance

Looking to see if NCE one of the best guaranteed issue life insurance carriers? If you’re looking to get life insurance without any medical questions, then NCE Generations Plus Guaranteed Issue life insurance might be the perfect fit for you. Life insurance typically involves extensive underwriting and qualifying measures before you can actually buy it. …

NCE Generations Plus Guaranteed Issue Life Insurance Read More »

A test

Request Free Life Insurance Quotes Now Your Free Quote is just clicks away. Compare accurate life insurance quotes in one place, adjust term and coverage amounts, and view prices monthly or annually. Life insurance doesn’t get easier than this. Who Needs Life Insurance? Life insurance can pay for funeral costs, provide income replacement in the …

A test Read More »

Term Life insurance with celiac disease

The Best Term Life Insurance With Celiac Disease

People suffering from digestive tract illnesses are pretty common.  There millions of americans dealing with celiac disease, digestive tract diseases and other pre existing health conditions. It can be extremely uncomfortable in your everyday life when you have a bowel disorder.  Term Life Insurance With Celiac Disease There are several digestive tract disorders but the most …

The Best Term Life Insurance With Celiac Disease Read More »

Michael Quinn
Founder – Life Insurance Blog

We’ve all been there — You’re just not ready to talk to an agent right now.

Good news: For life insurance quotes that doesn’t require contact information, we’ve partnered with Policy Genius.

They provide my visitors a simple and fast quoting experience. You can compare multiple “A” rated companies & you won’t have to enter your personal information unless you like the price and want to apply.