Types of Life Insurance
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Guaranteed Issue Life Insurance
If you need life insurance coverage, but can’t qualify due to the condition of your health – or you simply don’t want to submit to the battery of health-related questions and tests normally required with typical life insurance policies, you do have an option. It’s called guaranteed issue life insurance. What is it, and why…
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…
Life Insurance Without a 2 Year Waiting Period
Are you looking for a life insurance policy without a 2 year waiting period? If not, you should be! You know that policy you heard about on TV? The one that promises easy guaranteed coverage for final expenses with no medical exam? Well, I’m just gonna say it – don’t buy it. It seems like a really great…
Best Final Expense Insurance Companies of 2024
Final expense insurance is for those of you who are looking for smaller policies to cover final expenses. You’re probably going to die with some debt to your name. Most people do. In fact, 73% of consumers had outstanding debt when they were reported as dead, according to a December 2016 study provided to Credit.com…
Permanent Life Insurance
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…
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…
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,…
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…