Types of Life Insurance
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What is a 10-year term life insurance policy?
Many term insurance policies are available, but what exactly is a 10-year policy? What are the costs of 10-year term life insurance policies? Is it right for you? We can provide you with all the answers to these questions. However, we also want to address certain risk factors that can impact your 10-year term life…
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…
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…
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…
Best No Exam Life Insurance
So you’re looking into no exam life insurance and want to know the best companies? Well, you’re not alone. Most people would skip the life insurance medical exam if given the chance. But, here’s the catch: Even if you’re healthy, No Exam Life Insurance can cost you 30% to 50% more than a policy that…
VGLI Rates | Veterans Group’s Life Insurance Premiums
ATTENTION ALL VETERANS! Are you looking at VGLI rates? Please read this article before you convert your SGLI (Servicemembers Group Life Insurance) to VGLI (Veterans Group Life Insurance)! You truly are the best of the best, and deserve the best! If you’re retired from the military and want to provide financial support for your family…
Best Mortgage Life Insurance Rates & Tips to Save You Thousands
You probably already know you should think about life insurance if you have a mortgage. There are two traditional ways companies have historically tried to sell you mortgage life insurance… but they’re both antiquated and expensive. In this article, I’ll show you a better way to use life insurance to cover your mortgage One unique…
Term vs. Whole Life Insurance
It’s a great debate among life insurance professionals, consumers, and financial planners: Term vs. Whole Life Insurance, which is best? Term life insurance offers low cost protection with guaranteed level premiums for a fixed duration, typically 10, 15, 20, or 30 years. Whole life insurance offers lifetime guaranteed coverage with the additional benefit of accumulating…
Online Term Insurance: 10 Tips to Help You Get the Best Deal
Anyone can get the best deal on life insurance by going online and getting a quote with a simple click of a button. Right? Wrong! In this post, I’ll explain how easy it is to make costly mistakes when buying online term insurance, and how you can avoid them. In addition, I’ll show you how the process…
7 Alternatives to a 401k
I’m not a fan of whole life insurance. But since I continue to hear this absurdity that whole life is the only good option for individuals who are maxing out their 401k and IRA, I brought the financial experts with me in this post. Whole life is not your only investment option if you’re maxing…