A.This article explains the basics of term life insurance and is an excellent starting point for anyone who is new to life insurance. It also answers many common term life insurance FAQs.
A.This article provides actual life insurance rates based on age, and we provide advice to help you determine the rate class that you will most likely be approved.
A.This article provides a calculator to help you determine how much coverage to apply for, or you can always feel free to call us toll free for advice.
A.This article provides advice for selecting the right “term” or length of your life insurance policy including insuring around retirement age, a mortgage, children graduating college, or lifetime coverage options.
A.This illustration shows what life insurance companies consider about an individual when determining their final rates and approving their life insurance application.
A.This article explains the steps to starting an application for fully-underwritten Term Life Insurance, and provides advice for adjusting coverage at approval if needed.
A.This illustration shows the steps to buying a term life insurance policy or any fully underwritten life insurance coverage and what to expect along the way.
A.This article compares the pros and cons of term life insurance to universal life insurance including costs, coverage, and the fine print to be aware of.
A.This article compares and contrasts the features and benefits of term life insurance to mortgage insurance, as well as what to watch out for.
A.This article explains the process of buying Term Life insurance without a medical exam including coverage amounts, sample pricing, and what information insurance companies use to determine your eligibility and rates.
A.This article explains the different types of life insurance coverage that are available for your “whole life” and the pros and cons to each. We also included rates and tips to save up to 75%.
A.This article explains the in’s and out’s of Guaranteed Universal Life Insurance – A form of life insurance that is quickly becoming a popular alternative to whole life insurance and term life insurance.
A.This article explains Guaranteed Issue life insurance a form of whole life insurance for applicants with serious health issues that are 50 or older. This product is approved with no health questions or an exam, up to $25,000 in coverage.
A.This article weighs the pros and cons of buying Life Insurance from your employer including cost comparisons and potential limitations on coverage.
A.This article explains what life insurance companies test for and why. We also provides tips to get the best results on your exam, and the best rates!
A.This article explains the pros and cons of losing weight before applying for life insurance. We also included actual height and weight charts for an A+ Rated life insurance company that has very lenient height and weight requirements.
A.For most of our client’s their need for life insurance decreases as they get older and their financial responsibilities diminish. Will you need less coverage when your children and moved out and the house is paid off? If so, this article is for you.
A.This article shows pricing and affordable options for applicants that are considered to be “High-Risk” to life insurance companies. With almost 50 companies under our belt, we will find the company with the most lenient and affordable options for you.
A.Do you have an existing term life insurance policy that you would like to convert to permanent coverage, or would you like to learn more about the options for converting term life insurance? This article provides the basics for converting your policy and included pricing examples.
A.Are you curious about what your rate class will most likely be? This chart illustrates how life insurance companies determine an applicant’s rates if they are in “standard” or better health.
A.This article explains the most common misconception about life insurance and it compares the cost of life insurance to the cost of other monthly bills and expenses.
A.This article lays out the 4 easy steps to setting up a Buy-Sell agreement for your business. We also explain the various methods used for determining the amount of coverage each owner can qualify for and what information is required to start the application process.
A.This article explains how life insurance companies determine your life insurance rate class or “risk”. We explain how your health, family history, occupation, and hobbies affect the price of your life insurance.
A.Follow these 3 easy steps to purchase life insurance to secure and protect your SBA loan or other business loan. We also explain methods to getting your coverage approved faster if you’re up against a deadline.
A.This article explains the 4 steps to purchasing life insurance to protect your business against the loss of an important executive or employee. If you have a “key person” whose death would cause your business a significant financial loss, then this coverage is something you should consider.
A.Learn how millions of Americans utilize term life insurance as an affordable way to provide income replacement for their families. This article contains tips and advice for finding the best rates and coverage for your income replacement needs.
A.Many American’s no longer need life insurance once they retire due to their accumulated retirement funds, 401k plans, and pensions. If your need for life insurance will end once you retire, this article is for you.
A.Second to Die life insurance is a very popular form of life insurance for anyone who needs to preserve their estate from estate taxes, leave a tax free inheritance, or to establish an irrevocable trust. This article provides a description of how these policies work and we provide sample rates.
A.We’ve compiled a list of the 6 most common mistakes people make when purchasing life insurance and how to avoid them. If you’ve already purchased your life insurance policy, we may be able to help you save money without affecting the amount of coverage you already have.
A.In most situations, term life insurance does not build any cash value. This article shows a few forms of term insurance that can build a cash value over time, also known as “Return of Premium” term life insurance. In recent years a few companies have given a face-lift to these types of policies making them even more advantageous for the consumer.
A.Life insurance is an essential component of any estate plan. When correctly utilized, the death benefit from your life insurance policy can settle or reduce your estate tax obligations to the IRS. This article explains the best type of coverage to buy for your estate planning and costly mistakes to avoid.
A.If your new to life insurance, this article will provide you with some basic information about how life insurance works. We’ve covered the reasons to buy coverage, how much life insurance to buy, and the best type of life insurance to buy in your situation.
A.Most life insurance agents recommend for their clients to purchase 10x their salary in life insurance, however, life insurance is not a “one-size-fits-all” product. We created this article to help you determine how much coverage to buy depending on your situation and need for life insurance.
A.This article explains how an accelerated death benefit rider works and the benefits that they offer. Accelerated Death Benefit Riders, or ADB Riders, are usually free and are automatically included with the majority of the life insurance policies that we sell.
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