According to a 2015 study, 80% of Americans overestimate the cost of life insurance. In fact, most of us believe that life insurance is so expensive, that we don’t even entertain the idea of buying it. To help offset this statistic, we’ve provided some actual life insurance quotes by age and gender to show you how affordable…
One of the most common questions we hear at our life insurance agency is, “Which health class am I?” If you’ve ever shopped for life insurance, you have probably seen at least one website offering a free life insurance quote online – but how do you know if your health is considered Preferred Best, Preferred,…
Every day, clients call us searching for affordable whole life insurance to provide a tax-free inheritance for their loved ones, or to leave something behind to help with their burial costs and final expenses. With all the options floating around on TV, the internet, and by mail, how do you know which whole life insurance policy…
If you’re like most Americans, your need for life insurance will decrease as you get older. As we age, our assets grow while our liabilities and debts decrease. For this reason, most people have a decreasing need for life insurance coverage. A great way to manage this is by “layering”, or “staggering” multiple term life insurance…
It’s commonly recognized that traditional universal life insurance policies are a waste of money, but what is guaranteed universal life insurance, and how does it work? Guaranteed universal life insurance, also commonly known as a “GUL” policy, is something of a “hybrid” between term and whole life insurance. GULs offer the permanence of whole life insurance…
The time has come…it’s time to buy life insurance. Not sure how much it’s going to cost? We’ve got you covered. This article will provide accurate expectations for what your new policy will cost you, and helpful tips on how savvy shoppers avoid overspending. Quick Article Guide: 1. What is a Rate Class? 2. How Age and…
Hope for the best, plan for the worst, and you’ll sleep better at night. Are you considering purchasing a Term Life Insurance policy to protect your family? Term life insurance policies are designed to provide for your family’s financial needs in case the unexpected were to happen. When purchasing a term policy, the “term” is number of…
One of the most common questions our potential clients ask us is, “What should I do when my term life insurance policy expires?” Most of the people we speak with are shocked to learn about one of the term life insurance industry’s best kept secrets: the ability to convert an existing term life insurance policy into permanent coverage….
Are you considered to be a “high-risk” for life insurance or have you ever been “declined” for coverage? Many people mistakenly believe that their health will prevent them from qualifying for an affordable life insurance policy. If you’ve already been turned down for coverage, you may even believe that no company is even willing to…
Are you new to life insurance and want to know what to expect? We’re here to help! This article provides the most common questions asked about life insurance of us by newcomers. Hopefully it will eliminate any fear or confusion about the process. Quick Article Guide Risk Classes Underwriting Topics We Can Help “What Do…