There’s been a noticeable trend in favor of term life insurance in recent years. The popularity of term life insurance is that it’s much less expensive than permanent life insurance. That lower cost does come at a price—all term policies come to an end at some point. A longer-term term policy can extend up to[…]
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Huntley Wealth Guide to the Types of Life Insurance Available
We have been in the life insurance business for over a decade and know the ins and outs of the different types of life insurance available.
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What is Variable Universal Life Insurance (VUL)?
To develop more competitive financial products, the life insurance industry has created some very interesting and complicated policies. Perhaps the most complex is the variable universal life insurance policy, commonly referred to simply as “VUL”. Variable is the operative word in the title because the various provisions of the policy can be adjusted, both at[…]
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What is Indexed Universal Life Insurance?
Indexed universal life insurance is a mouthful to say, which is why it’s frequently referred to simply as an “IUL” policy. But behind the technical name of the policy is a life insurance plan that provides a wide range of flexibility not offered with other life insurance policy types. During the course of the policy,[…]
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Survivorship Life Insurance
There are all types of life insurance policies available these days, so it may not surprise you to learn that it’s even possible to buy a single policy that covers two people. That’s the basic idea behind survivorship life insurance. It enables two people to have one life insurance policy between them, and at a[…]
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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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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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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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Whole Life vs. Variable Life
People looking for lifelong life insurance coverage should consider permanent life insurance. There are a few different variations, including whole and variable life insurance. Both of these have an extra component: an investment account referred to as a cash value. Separate from the death benefit, this cash value grows over time and can provide an[…]
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What is Variable Life Insurance?
You might not realize it, but there are many different types of life insurance available in the marketplace today. Sifting through all the options to find what’s right for you can be challenging, and keeping track of all of the different terms can prove almost impossible. Variable life insurance is a type of permanent (i.e.,[…]
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Best Universal Life Insurance Policies
If you’re on the hunt for life insurance, it’s easy to become overwhelmed by the sheer volume of options available. There are different types of policies, nationwide companies, and regional providers to consider – and that’s before you dig into the various nuances that separate individual plans. Even if you have decided that a universal[…]
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