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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…
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 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…
5 Reasons Dave Rasmsey and Suze Orman Are Right – Term is Best!
Financial gurus Dave Ramsey and Suze Orman say you should only buy guaranteed level term insurance. They say that permanent insurance policies like whole life insurance are a bad investment. And why do they care about insurance? Because the money you don’t spend on the wrong insurance policy is money you can save and use elsewhere! If…
Best Quotes $1 Million to $2 Million of Term Life Insurance
When I was a young agent, I used to think $1 Million to $2 Million of term life insurance was a lot of coverage. Well, I have learned over the years from seeing first hand the heartbreak of insufficient coverage, and of course, thinking of my own family, 1-2 Million is not a lot of…
20 Year Term Life Insurance | Pros & Cons
Here’s the truth about life insurance agents: While a 20-year term policy will do the job for 90% of Americans, many agents will try to sell you 30-year term policies or whole life policies. They make more money that way! In this guide, I’ll share why a 20-year term may be just enough insurance coverage…
What Is Term Life Insurance?
Term life insurance is a popular choice among consumers. Taking out a term policy is a flexible and often cost-effective way to protect the financial stability of your family. So, what is Term Life Insurance? The term in “term life insurance” refers to the amount of time a policy is active for. Usually, term life…