Jackson National is a multi-billion dollar annuity company that got their start with term life insurance. Over the years, they have acquired annuity and life insurance companies to become the multi-faceted annuity company they are today. While their financials are strong, their customer service is questionable and they have a history of charging extraneous fees[…]
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Simplified Issue Life Insurance
Next to the cost factor, submitting to a medical exam is probably the biggest reason people avoid buying life insurance. It may be the fear of all things medical – yes, “white coat syndrome” is a real thing – or the concern that a medical exam will detect a health condition you’d rather not know[…]
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Decreasing Term Life Insurance
Many consumers see life insurance as a specific product. At most, they may be aware that there are two basic types: term life insurance and whole life insurance. But the reality is that there are many different types of life insurance. So many, in fact, that it’s possible to customize a life insurance policy to[…]
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Annual Renewable Term Life Insurance
You probably know the basic difference between whole life insurance and term life insurance. Whole life insurance is permanent coverage, with a fixed premium, and a cash value accumulation feature. Term life insurance is temporary coverage, generally lasting for between five and 30 years. It has no cash value accumulation, which is why it costs[…]
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What is a Waiver of Premium Rider?
If you’ve ever been concerned about how you’ll pay your life insurance premiums if you become disabled, relax – there is a workaround. It’s referred to as the waiver of premium rider, and it’s designed specifically to cover your life insurance premiums should you become disabled. It can be particularly valuable if you work in[…]
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Life Insurance for Commercial Fishermen
If you’re a commercial fisherman, you probably already know that it’s one of the most dangerous occupations there is. In fact, according to a government source, it’s the second most dangerous general occupational category in America. That can create some complications when it comes to life insurance for commercial fishermen. Coverage is available, but you[…]
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What is a Child Term Rider?
Have you been contemplating buying life insurance for your children? If so, there’s some good news on that front. Though you always have the option, you don’t necessarily need to purchase a separate policy for each child. The valuable and cost-saving alternative is to simply add a child term rider to your own life insurance[…]
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What is a Family Income Benefit Rider?
Are you ever concerned about how your beneficiaries will handle the proceeds of your life insurance policy? If so, a family income benefit rider may give you a surprising amount of flexibility and control over how—and when—the policy benefits will be distributed to your loved ones. In fact, a family income rider may go a[…]
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Life Insurance After a Heart Attack
Heart disease is the leading cause of death in the United States and is a common health condition throughout the population. The most classic heart disease outcome is a heart attack. Is it possible to get life insurance after a heart attack? The surprising answer is “yes,” at least in most cases. The major variable,[…]
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Life Insurance with Heart Disease
Many millions of Americans suffer with heart disease in one form or another. Heart disease isn’t a single condition either, but one that comes in virtually dozens of different types. If you believe you can’t get life insurance with heart disease, however, you’re almost certainly mistaken. Since so many people have heart disease, the life[…]
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