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 »
When you first start researching coverage, Term vs Whole life insurance is often the initial search. When considering life insurance, you will likely be faced with your first major choice: do you want term life insurance or whole life insurance? For the vast majority of people, the answer is term. Why? We’ll get into that, …
Term life insurance is temporary coverage that usually lasts between 10 – 30 years. With a term life insurance conversion option, shoppers can convert their term policy to a permanent policy – but do all of the the top life insurance companies have conversion options? What permanent products can you convert to? In this post, …
You may have never heard of Sagicor Life, but you should. Learn about their products, financial ratings, & rates with this Sagicor review.
You may asking yourself how long should I have life insurance? – Is 40-year term life insurance even available? Quick Answer: YES! Over the next 40 years, a lot can happen in life. Your mortgage will need to be paid. Your children may live at home longer to pay off their student debts. Perhaps your …
2 Million Dollar Life Insurance Rates and Options – A $2,000,000 life insurance policy may sound like a lot, but it does exist for a reason. After all, the whole point of life insurance is to provide for your loved ones after you are gone. With funeral expenses, debts, and just everyday living costs, many …
Have you heard about cash value life insurance? What does cash value of life insurance mean? Is it good, bad — or maybe a little bit of both? Who are the best life insurance companies for cash value? Today, we’re going to educate you on everything related to life insurance cash values. By the end …
Protecting your family or business is the number one reason for life insurance. Today, we’re going to compare 2 similar types of life insurance that can meet your coverage needs: Term life insurance vs Guaranteed Universal Life. Most comparison articles found online will focus on Term vs Whole Life. However, this post will compare a …
Term Life Insurance vs Guaranteed Universal Life Read More »
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If you’re trying to find out how to get life insurance to meet an SBA loan requirement–you’ve come to the right place. We’re going to walk you through all your options. Are you in a rush to get coverage? Is your lender asking you for a specific life insurance effective date? We’ll show you how …
Banner Life is a great company, but are they the best company for you? Get financial ratings, rates, and more with this review on Banner Life.
Lincoln Financial is a great company, but are they the best choice for your insurance needs? Learn about their rates, financial strength, coverage options, and more!
A $25,000 term life policy may sound perfectly reasonable, but the truth is that your options can be pretty limited if this is the kind of coverage you’re looking for. Most life insurance carriers actually have minimum coverage amounts of at least $50,000 or even $100,000. You may not know, but not all companies offer …
$25,000 Term Life Insurance Policy: What are my options? Read More »
“So how does Guaranteed Universal Life insurance work?” What is Guaranteed Universal Life insurance (also known as GUL)? These are common questions as most people have never heard of GUL. Most have heard of Term life and Whole life, but not GUL insurance. Term life insurance is the most popular type of life insurance and …
How Does Guaranteed Universal Life Insurance Work? Read More »
Term life insurance is a product that you may not be thinking about until you buy a home, begin a family or know someone that has passed away. You suddenly realize that your financial future is pretty fragile and you need to protect it. The main concern for most shoppers is to find and buy …
Our Cigna burial insurance review covers rates, pros, cons, features, financial strength and more. Find out if the Cigna final expense policy is for you!
It sure would be great if you could return your life insurance policy and get a full refund just like when you buy some shoes or a TV. Unfortunately, you can’t – but you can opt for a return of premium life insurance policy! Return of premium term life insurance provides shoppers the ability to …
What are the advantages and disadvantages of term life insurance? This is an important question and life insurance shoppers need to understand the pros and cons of term life insurance. Sometimes people get so focused on price or the life insurance company rating and don’t spend enough time learning about policy types. Term life insurance …
Advantages and disadvantages of term life insurance Read More »
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 »
What does graded benefit life insurance mean? Not only are we going to give you the “Graded Benefit Whole Life Insurance Definition“, but we’ll go over why it’s a great product for some and a waste of money for others. Do you also want to know what is the best life insurance company for graded …
Are you wanting to find out the difference between Term, Universal, and Whole life insurance? Our infographic below will go over the key factors of each. When you’re finished, be sure to check out our reviews on Top 10 life insurance companies for all of these policy types. What’s the difference between Term, Universal and …
Difference between Term, Universal and Whole Life Insurance Read More »
There are many employers who provide group life insurance as a free benefit to their employees. Also referred to as group term life insurance, all you are required to do is sign up for their benefit. Sometimes the enrollment is automatic, but you might be concerned and wondering if group term life is enough. Should …
Think medical exams are a requirement for every life insurance policy? Guess again. Mortgage Life Insurance with out a medical exam is available from the the top 10 life insurance companies. If one of your main goals for life insurance is making sure your mortgage is paid off should anything happen to you, you have …
Have a Mortgage? Get Life Insurance Without a Medical Exam Read More »
20 Year vs 30 Year Term Life Insurance: Are you wondering what is the better deal; a 20-year or 30-year term? How about who are the top 10 life insurance companies for 20 & 30 year term? We’ll answer these questions and more in this review of these 2 popular term lengths. There are so …
20-Year Policy vs. 30-Year Policy— Which One is For You? Read More »
Our Aetna burial insurance review covers rates, features, pros, cons, financial strength and more. Find out if an Aetna final expense policy is for you!
With so many types of life insurance policies available, it can get confusing trying to find the best coverage option available. Do you go with term life or whole life and what are the best life insurance companies for them? To start, term is usually the least expensive, but whole life is provides many advantages …
Who are the best Guaranteed Issue Life Insurance carriers? Find out which companies cracked our Top 5 list!
Find out if AIG is the best company for your coverage goals. Learn about their financial ratings, rates, and more with this AIG review.
The phrase Collateral Assignment Life Insurance is an often used term in the life insurance industry, but most people don’t have a clue what it’s for. Worse yet, your bank may have requested one when you’re applying for an SBA loan. Do the top 10 life insurance companies offer it? Does it cost more to …
Collateral Assignment Life Insurance Information Read More »
Our ultimate no-medical exam resource will help explain the benefits of No-Exam life insurance, the top companies, prices and more.
Look no further and read our review of the best term life insurance companies and compare quotes from the top term life carriers.
There seems to be an endless amount of life insurance types available for today’s shoppers. Each life insurance policy has their advantages and disadvantages. Whole life has been around the longest and term life insurance tends to be the least expensive. But what about decreasing term life insurance? If you haven’t heard of this type …
A 15 year term life insurance policy will simply provide you a level rate and coverage for a 15 year period. Most insurers provide this term length, so there is competition for your business. What is the best life insurance company for a 15-year term life policy? We’ll answer that question and more. 15 Year …
Looking for the best $750,000 term life insurance rates? A $750,000 term life insurance policy is the right choice for many who want more than $500,000 of coverage, but don’t need a million dollar policy. If your income is above $50,000 and/or are the sole provider for your family, this amount will help ensure that …
Learn about American National and find out if they’re the best insurer for your needs. Get financial ratings, rates, and more with this review on American National.
When buying pricey things, you typically finance it or pay with cash. This happens with big purchases – like buying a car or home. The same thing can happen with life insurance. The majority of people pay their life insurance premium either monthly or annually. However, you also have the option to buy it with …
Will Symetra be the best company for your insurance needs? Learn about their financial ratings, rates, and more with this Symetra review.
You probably have some of the same questions we frequently get about $250,000 term life insurance rates. Questions like: Who are the top 10 life insurance companies for term? How much will it cost? How do I qualify? Term life is the easiest type of life insurance to understand. While some people search for lower …
Our Great Western insurance review covers rates, pros, cons, features, financial strength and more. Find out if their burial insurance final expense policy is for you!
Liberty Bankers Life is a solid life insurance company. Are they the right choice for you? Learn about their ratings, products, rates and more with this review.
Life insurance rates by age can vary significantly, even from the top life insurance carriers. The type of policy you’re seeking will also effect the premium. If you are looking for a life insurance policy that doesn’t require a medical exam, this article will cover a few different options that are available to you. We’ll …
Penn Mutual is a solid insurer, but are they the right company for your needs? Learn about their financial strength, coverage options, rates, and more!
Will North American Life insurance be the best company for your coverage needs? Learn about their products, financial ratings, rates, and more.
Looking to keep your company protected with Key Person Life Insurance? Who is the best life insurance company for a key person? Is it difficult to get a policy approved? Having an important key employee replaced can take a lot of money and time. The time it takes to transition and replace your key person …
Guaranteed Universal Life insurance is an excellent product that most shoppers aren’t aware of. Who are the best GUL companies? Find out with this review!
Find out if John Hancock is the best company for your needs. Get financial ratings, rates, and more with our John Hancock review.
$100,000 Term Life Insurance Rates and Options – What is the best life insurance company for $100,000 term life? Who has the lowest rates? If you’ve decided to buy a $100,000 term life insurance policy it’s time to sift through all of your options so that you can choose the best policy that suits both …
Mutual of Omaha is a solid company. Learn about their products, financial ratings, rates, and more with this review of Mutual of Omaha.
If you have been spending some time looking at all the various life insurance policies from the best life insurance companies – you know how challenging it can be. Finding a policy that works best for you and your loved ones is sometimes difficult. Whether you are looking for insurance for a lifetime or a policy …
Today you’re going to learn how temporary life insurance works, how much it costs, is it necessary, and how it may or may not fit into your coverage goals. Continue reading to learn more about: What is temporary life insurance? How long does temporary life insurance last? How do I qualify for temporary life insurance? …
Are you a business owner considering a buy sell agreement life insurance policy? You understand how hard it is to make sure your company is successful and profitable. If you’re a co-owner or partner of the company, you’ve also spent time helping the value of your business grow. By using a buy sell agreement, you …
Protective Life is the best companies around. Learn about their financial ratings, rates, and more with this review on Protective Life.
We did the research and found the Top 10 Best Cash Value Whole Life insurance companies. Our review will cover financial strength, advantages, disadvantages and more!
Will a permanent life insurance policy from AARP be the best option for you? Learn about their products, rates and possible alternatives in this review.
Have you ever been in a financial pinch where you needed cash quickly due to an emergency? Most of us have experienced an unexpected situation whether it was with your car, home or some other predicament. If you have a life insurance policy that grows cash value, then a life insurance policy loan may seem …
Term life is often times the most popular type of life insurance for a variety of reasons, but will it be the right policy for you? You probably have some questions such as, What is the best life insurance company for 10-year term life? Will 10-year term life insurance provide me enough coverage? How much …
Is Americo the best company for your insurance needs? Find out their financial ratings, rates, and more with our Americo Final Expense review.
30 Year Term Life Insurance: If you’re considering buying term life insurance from the best life insurance companies, you may asking yourself how long should I have life insurance – is 30-year term the right choice? Most term policies are 10, 15, 20 or 30 years. If you’re needing a cheap term life insurance policy …
No Medical Exam Life Insurance – Buying a traditional life insurance policy is not as quick and easy as you might like it to be. Life insurance with a medical exam is how most people buy life insurance and it usually takes about 4-6 weeks to get the final approval. The life insurance company may …
There’s a popular philosophy that you may have heard of. It’s called “Buy Term And Invest The Difference” and there are many financial professionals who promote it. On the other side of the coin, there’s a philosophy of buying permanent life insurance that will build cash value. Which philosophy is better? Which strategy is best …
Find out if Nationwide is the best carrier for your needs. Learn about their financial ratings, rates, and more with this Nationwide review.
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.
Looking for affordable mortgage life insurance rates? Have you recently purchased a home and wanted to protect it with mortgage life insurance? Is this the best choice? Possibly. In this article, we’ll go over the most frequent mortgage protection questions as well as some things you may not be aware of. Questions such as: How …
“What are all of these details on my life insurance quote?” This is a common question for life insurance shoppers. Having the knowledge so you know how to understand your term life insurance quotes is one of the first steps to getting the best policy available. In order to save on life insurance you have …
How to understand your term life insurance quotes Read More »
Gerber Life is an excellent burial insurance company. Learn about their history, products, rates & more with this Gerber review.
Index Universal Life Pros and Cons – You’ve maxed out your 401(k) or IRA. Now what? You need additional retirement funds, but you don’t know what you can contribute to. Sure you could go through the complicated process of making non-qualified contributions to your IRA, but that comes with extra paperwork and the risk that …
Term life insurance is a great thing to have in and of itself, but it can be transformed into even better coverage for your life if you understand policy attachments. An Accelerated Death Benefit is one of these attachments. It is just one more way of making sure that your eventual passing does not come …
Getting Term Life Insurance with an Accelerated Death Benefit Read More »
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