Best Life Quote

Cheap Life Insurance for Smokers

cheap life insurance for smokers

Cheap life insurance for smokers can be found when you choose the right company.  Life insurance offers financial security for you and your loved ones. For smokers, understanding how smoking affects life insurance premiums is essential. Generally, smokers pay higher premiums than non-smokers due to the increased health risks associated with smoking. Smoking is considered […]

Colonial Penn Life Insurance Review

Colonial Penn Life Insurance

Here’s the bottom line lifted to the top for your convenience. Unless you truly can’t qualify for a simplified issue life insurance policy or a final expense policy, you’ll pay too much for Colonial Penn life insurance.  We will help you understand what the Colonial Penn 995 plan and how much coverage you will get […]

Royal Neighbors of America Life Insurance

Royal Neighbors life insurance

As part of our ongoing review of life insurance companies, we are pleased to offer our company review of Royal Neighbors of America Life Insurance Company. Our intention with these company reviews is to get as much information about each life insurance company to those who are currently shopping for life insurance. Your insurance rates […]

$750k Term Life Insurance

750k term life insurance

Most adults understand that they need life insurance to cover financial risks when they die, especially if you have a family who relies on your income to take care of monthly expenses that will need to be dealt with if you should die unexpectedly. However, what many adults are not sure about is how much […]

500k Term Life Insurance Options For 2023

500k term life insurance

If you buy a 500k term life insurance policy and die, it may be enough to pay for the mortgage on your family’s home and provide enough to cover the cost of sending your children to college. Don’t assume you can’t afford life insurance without getting quotes. It might be more affordable than you think […]

Best $250,000 Term Life Insurance Options

250000 term life insurance

Buying a $250,000 term life insurance policy is pretty easy.  There isn’t a lot of research needed to make your choice.  Pretty much all life insurance carriers offer term policies for $250k.  What you need to consider is what company will have the best rates for you based on your health and lifestyle. Our term […]

Best Million Dollar Term Life Insurance Options Now

Best Million Dollar Term Life Insurance Options

A million-dollar life insurance policy could seem like a lot, but it can also be too much. When calculating your life insurance needs, for your family and loved ones, it may be just the right amount to provide financially for your family when you die. If you are shopping for term life insurance to pay […]

Life Insurance and Covid 19

life insurance and covid 19

While Covid-19 and its variants continue to impact the health of Americans in almost every community, city, and state, it’s only natural that a considerable number of residents begin contemplating the relevance of affordable life insurance. Certainly, there are many questions on the minds of most of us as we look for the light at […]

Bestow Life Insurance Review

Bestow Life Insurance

Bestow was launched in 2016 as an alternative option to traditional life insurance policies, that requires extensive medical testing before being approved. Bestow offers an online-based service that streamlines the application and approvals process and gives you a good amount of control over your policy. Find out more about Bestow Life Insurance in this complete […]

Zander Life Insurance Review

Zander life insurance review

Zander Insurance is one of the oldest independent life insurance agencies in America, dating all the way back to the 1920s. Independent life insurance agencies are nothing new. But Zander Insurance has taken its business to the next level. They offer their services online to a nationwide market. No matter where you live, you’ll be […]

Assurity Life Insurance Review

Assurity Life Insurance

Assurity Life is a major life insurance provider that many people turn to for coverage. They have over a century of experience and offer a variety of products for both businesses and individuals. Life insurance is an important financial asset for people that want to ensure that their family is protected. If the unspeakable happens, […]

Foresters Life Insurance Review

Foresters Financial

Foresters Life is a life insurance company that prides itself on providing policyholders with exclusive member benefits. They offer both term and permanent life coverage along with several riders to fit your needs. Anyone with a family knows that protecting them is a number one priority. A great way to ensure financial protection is to […]

Should I Buy Life Insurance with a Long Term Care Rider?

life insurance with long term care

The long-term care rider diverts part of your policy’s death benefit toward paying for your long-term care costs if you got sick or injured and needed rehabilitation. Long-term care is expensive, and Medicare and health insurance typically won’t cover this cost. This rider could be a lifesaver someday if you and your loved ones were […]

How to Choose Life Insurance Effectively

How to choose a life insurance policy

Understanding the Need for Life Insurance Life insurance is a cornerstone of financial planning, yet it often goes undiscussed due to its association with dying. However, knowing how to choose life insurance is a pivotal decision that can offer peace of mind and financial stability for those you leave behind. If your life insurance knowledge […]

Penn Mutual Life Insurance Review

Penn Mutual Life Insurance

Insurance companies abound, and virtually all of them offer life insurance policies. Should you bundle with the company that covers your home or car to save on monthly premiums, or would searching out a dedicated life insurance company be the better investment? Answering this question demands thorough research, so those of us here at Best […]

Country Financial Life Insurance Review

Country Financial life insurance

Originally known as Country Mutual, Country Financial was created in 1925 to provided farmers with equipment and crop insurance. In fact, it did not add life insurance products until 1929. Today, Country Financial offers various affordable universal, term, and whole coverage policies in 19 states across the country. If you are considering purchasing a Country Financial […]

Amica Life Insurance Review

Amica life insurance

Are you an Amica Mutual client interested in seeing whether or not bundling life insurance with your home and auto coverage is worthwhile? Are you researching different insurance companies and wanting to see how Amica life insurance policies stack up against other life insurance providers? At Best Life Quote, we’ve conducted thorough research into the […]

Pacific Life Insurance Review

Pacific Life Insurance

Pacific Life Insurance happens to be one of the country’s oldest insurance companies. Founded in 1867 in California, it began offering life insurance policies in 1885. Today, Pacific Life ranks as the ninth-largest insurance company in the U.S. in terms of sales. In this Pacific Life Insurance Company review, we will discuss their products, services, […]

National Western Life Insurance Company Review

National Western Life

National Western Life Insurance Company (NWL) is not a well-known insurer. They have a range of niche insurance products that provide unique choices. These offerings have helped National Western Life Insurance Company serve particular customers. Here, we explore National Western’s history, industry ratings, and insurance offerings so you can understand the value the company provides […]

Auto-Owners Life Insurance Review

Auto Owners Insurance

As a member of the Fortune 500 list for the past 17 years, Auto-Owners is a trusted and successful insurance company. The company has a “refreshingly human” approach to life insurance. Before purchasing a life insurance policy, check out this Auto-Owner Life Insurance review to see if they offer the best policy for your needs. […]

Ethos Life Insurance Review

Ethos Life Insurance

Life insurance is an essential part of any financial plan, but with so many options, it can be difficult to find the right policy. Ethos Life insurance has helped to streamline this process. Ethos was created in 2016 to avoid the traditional, time-consuming life insurance process by providing easy online access to help customers find […]

Lincoln National Life Insurance Company Review

Lincoln Financial Group

Life insurance provides financial security for you and your loved ones when you die. When purchasing a policy, it’s essential to choose a stable life insurance company that can honor its obligations once you’ve paid your premiums.  In this Lincoln National Life Insurance Company review, we will explore what life insurance products and riders the […]

Fabric Life Insurance Review: The Digital Age of Life Insurance

Fabric Life Insurance

Fabric Life Insurance is a relatively new entrant to the market. Fabric Life Insurance was founded in 2015 by Adam Erlebacher and Steven Surgnier. Adam took on the role of CEO, and Steven served as CTO. Together, they established Fabric to modernize the life insurance industry, focusing on making life insurance more accessible and user-friendly […]

Phoenix Life Insurance Company Review

Phoenix Life Nassau Re

Phoenix Life Insurance, now Nassau Life Insurance Company, traces its roots back to 1851. The company has always been an innovator. Over a century ago, it was the first insurer to see the benefits of advertising by direct mail. Since then, the company has undergone a few changes, including a rebranding. At its heart, however, […]

Accordia Life Insurance Review

accordia life

When the unthinkable happens, you want your loved ones to be protected financially. A life insurance policy will provide funds to cover missed earnings and other expenses, but with so many different life insurance companies out there, how does one decide which is best? Global Atlantic Financial Group’s indexed universal life insurance is issued by […]

AIG Life Insurance Review

aig life insurance reviews

Life insurance is the best way to protect your family from financial hardship in the event of a disaster, and AIG is a name that people trust with a full slate of life insurance products. Still, it’s best to compare life insurance companies and policies to decide which is right for you. In this review, […]

Lincoln Heritage Funeral Advantage Review 2023

Lincoln Heritage Funeral Advantage

If you are considering a Lincoln Heritage Funeral Advantage final expense insurance policy, this review will provide detailed answers to all your questions. Before purchasing any form of insurance, it’s best to do your research by looking into what a policy offers you, how it works, and how much it costs. Final expense policies are […]

Costco Life Insurance Review

costco life insurance

As far as popular American life insurance providers go, some people might be surprised to find Costco life insurance among them. The following Costco life insurance review aims to provide you with all the information you need to know about this insurance option. In This Review About Life Insurance Offered Additional Benefits Eligibility & Application […]

SelectQuote Life Insurance Review

selectquote life insurance

Being one of the largest life insurance agencies in the United States, many people are familiar with SelectQuote. Considering the agency’s widespread recognition, this SelectQuote life insurance review will help you decide if the agency’s life insurance is the best option for you. In This Review About Life Insurance Products Life Insurance Riders Eligibility & […]

FastLife Insurance Review

Fast Life

A lot of shoppers prefer buying life insurance through agents or brokers because they can see a variety of quotes at one time, making it easier to find lower premiums. FastLife Insurance specializes in helping you compare quotes and get covered at “lightning speed.” In 2020, FastLife founder and CEO Phillip Wasserman was accused of […]

LIRP: Life Insurance Retirement Plan

lirp

A Life Insurance Retirement Plan, or LIRP, is a uniquely structured permanent life insurance policy that can do a great deal more than just deliver a death benefit. A LIRP is a life insurance strategy that mimics most of the tax-free features of a Roth IRA. A smartly funded LIRP can offer significant streams of […]

Best Life Insurance for Children

life insurance for children

Life insurance on your children is an interesting, and sometimes controversial, topic in insurance circles. In this post, we’ll strip away the confusion to consider the benefits of life insurance on your children. That way you can decide whether you need this kind of protection in your family. Since you can’t buy term life insurance […]

American Amicable Life Insurance Review

american amicable life insurance review

When you are looking for life insurance to make certain that surviving loved ones will not experience financial issues when you die, it makes perfect sense to research any life insurance companies that have made your shortlist. Thankfully, buying life insurance in our 21st Century marketplace allows consumers to compare not only insurance rates but […]

Mutual Trust Life Insurance Review

mutual trust life insurance review

Beginning in 1904, Mutual Trust Life Insurance Company has both grown and expanded significantly. With more than 110 years in the business, this company offers its annuity and life insurance products in 49 U.S. states, including the District of Columbia. Oak Brook, Illinois is the headquarters for Mutual Trust. Presently, the life insurance company is […]

Vantis Life Insurance Review

vantis life insurance

While life insurance can seem complicated, it’s an essential part of protecting your family financially if a tragedy were to happen. Vantis Life seeks to simplify the life insurance process by offering basic products and an easy application. If you’re considering purchasing a life insurance policy, check out this Vantis Life Insurance review to see […]

Life Insurance for Parents

life insurance for parents

Can you guess one of the most popular reasons to buy life insurance? Among our clients, “becoming a parent” ranks right up near the top. It makes sense: Parents are the center of their children’s worlds, both emotionally and financially. If one parent died, could the surviving parent carry the whole financial burden alone? Or […]

Aflac Life Insurance Review

aflac life insurance

Aflac Life Insurance is one of the most popular insurance providers across the country today. Right now, more employees in the United States have voluntary life insurance protection from Aflac than most other insurance companies. Aflac supplemental insurance policies are typically only obtainable through employers who offer voluntary insurance products. It’s important to locate an […]

The Hartford Life Insurance Review

hartford life insurance review

For many American consumers, The Hartford is one of a handful of insurance companies that most will feel comfortable with buying insurance products from. Most people like to do business with companies they know, and because of The Hartford’s reputation and its affiliation with AARP and other large affinity groups, Hartford Life Insurance is one […]

TruStage Life Insurance Review

trustage life insurance

The good news for individuals and families who are currently shopping for life insurance is that in today’s competitive market, you’ll never find a cheaper policy. There are many insurance companies out there who are competing for your business, and that competition translates into lower rates and quality products. In this review, we’ll look at […]

How Does Life Insurance Work?

how does life insurance work

Life insurance mitigates financial risks when the insured person dies. It’s actually a very straightforward concept. The life insurance policy (contract) is simply a promise to pay in exchange for a premium. What makes life insurance confusing to most people is the number of promises that can be a part of the contract. These are […]

Brighthouse Financial Life Insurance Review

brighthouse financial life insurance

Brighthouse is a long-standing name in the insurance industry with a large customer base nationwide, but are they right for you? Let’s take an in-depth look at what Brighthouse life insurance has to offer in 2023. In This Review: Who is Brighthouse? What Does Brighthouse offer? Financial Strength Pros and Cons Who is Brighthouse Financial? […]

No Exam Life Insurance For Smokers

no exam life insurance for smokers

Smokers worried about paying expensive life insurance premiums often ask about no-exam coverage. After all, they say, if I’m going to pay super high tobacco premiums anyway, I may as well skip the medical exam. That’s a logical assumption, but it’s not always correct: Many smokers can still get affordable life insurance rates even with […]

Ladder Life Insurance Review

ladder life insurance

Ladder is an online insurance company that offers life insurance via its online platform. They offer competitive rates for their products. And are great for people who don’t want to go through a third-party or agent. The online-only platform means that many people will get their application decision almost immediately. Unless you need to take […]

Haven Life Insurance Review

haven life insurance

If you’re a little intimidated by the life insurance application process, and the time it takes to get approved, you’ll be interested in Haven Life Insurance. A division of one of the largest insurance companies in America, Haven Life Insurance has streamlined the life insurance application process. You can apply online, and be approved – […]

LeapLife Insurance Review

leap life insurance

Purchasing life insurance may be one of those things you put off for another day, but in truth, it should be at the top of your agenda. With such a varied market, it can be a tricky decision to come to, and it seems as though every company is offering the perfect choice, with a […]

What does a Disability Waiver of Premium Rider do?

Disability Waiver of Premium Riders

Paying the premiums keeps your life insurance coverage active. If you died with coverage in place, your family could claim your policy’s death benefit. The payout could help your family build a new life. But what would happen if you became disabled and couldn’t work, making it impossible to afford your premiums? You’d probably lose […]

Life Insurance with HIV/AIDS

Life Insurance with HIV/AIDS

There was a time, not so many years ago, when getting life insurance with HIV/AIDS would’ve been impossible. I’m not going to lie – it still isn’t easy – but it’s not impossible either. There have been many new breakthroughs on the HIV/AIDS front, and life expectancies are increasing significantly. What’s more, new treatments and […]

How to Make an Estate Plan to Control Your Asset Transfer

Estate Planning

Antiquated terms like “estate planning” can make your financial life unnecessarily confusing. An “estate” sounds like something grand — a spread of land surrounded by a fence in the country or a high-rise apartment building in the city. In reality, we all have estates. They’re comprised of everything we own minus what we owe in […]

Who Needs Life Insurance?

Who Needs Life Insurance

If you’re someone who believes you don’t need life insurance, you may want to reconsider. Buying a life insurance policy isn’t just for parents and married couples. According to recent statistics, more than a third of American households would suffer if the primary income-earner passed away. Still, only 59% have a life insurance policy to […]

TIAA Life Insurance Review

tiaa life insurance

It’s never too early to start thinking about life insurance coverage. With an effective life insurance policy in place, you can rest easy knowing your family will be taken care of if you’re not around. Still, choosing the best policy from the right company can seem overwhelming with so many carriers and policy options. If […]

New York Life Insurance Review

new york life insurance review

If you’re a responsible partner and parent, you’ll be looking to the future and considering life insurance if you don’t already have coverage in place. While you should take great care of your finances while you’re alive, it’s equally vital to make provisions for when you’re not around. Life insurance policies give you peace of […]

Calculating Your Life Insurance Premiums

Your Life Insurance Premiums

Life insurance, often considered the bedrock of solid financial planning, can sometimes be a maze. The premiums – the amounts you pay for a policy – are influenced by many factors. By understanding what affects these rates, you can make informed decisions and possibly save in the long run. Let’s demystify how your life insurance […]

Life Insurance For Diabetics

Life insurance for diabetics

Life insurance candidates with diabetes already know finding affordable coverage can be difficult. Chronic health conditions like diabetes limit your coverage options. That’s just the way life insurance works. Our article will help you find which companies will offer life insurance for diabetics. There are a few life insurance companies that understand your coverage needs […]

Life Insurance With Heart Disease

life insurance with heart disease

Heart disease has a way of giving you perspective. Goals that once seemed important fade to the background, and you focus on what really matters: caring for your family and preparing for the future. For many people, this means laying a solid foundation with life insurance to protect your loved ones financially. If the worst […]

The Basics of Life Insurance

life insurance 101

Considering life insurance? Purchasing life insurance is one of the best ways to protect the people you love, but it is often met with reserve and placed on the backburner. Although discussing your impending passing is never an easy conversation, it is a critical one to have. If you passed away tomorrow, what financial situation […]

Best Life Insurance In Your 30s and 40s

family smiling together, couple in their 30s

You’ve started to reach the stage of life where you’ve settled down. You may have a mortgage, maybe a family with some kids. Hopefully, you have a steady paycheck coming in. Or maybe none of these factors describe you. Each person and family is different. Long gone are the days of the “nuclear family,” with […]

Quotacy Life Insurance Review

quotacy life insurance review

Shopping for life insurance isn’t fun. It’s boring. It’s morbid. It’s a painful task. It’s still not fun, but it’s never been easier. There are several companies which have started streamlining the insurance buying process. Quotacy is one of them. This is our Quotacy life insurance review. The quicker and easier it easy, the more […]

GEICO Life Insurance Review

geico life insurance

GEICO is one of the most popular insurance companies in the United States for auto and home insurance. So it’s not surprising that many GEICO customers look to this insurer for their life insurance needs, too. How does GEICO compare with other life insurance companies on the market? Let’s take a look at GEICO life […]

Cheap Life Insurance | Tips + 5 Best Providers

cheap life insurance

It’s easier than ever to find cheap life insurance, yet many people still think buying coverage would be too expensive, too big a hassle, or both. So they put off buying life insurance until they have more money. Or they decide to wait until they have more time to deal with the applications, the medical […]

Best Life Insurance Companies

Best Life Insurance Companies

As an independent broker, we are constantly growing our stable of insurance policy providers.  Today we work with over 40 life insurance companies. While they are all good – we wouldn’t work with them otherwise.  Here’s a list of our Top 10 Best Life Insurance Companies. There are about 750 life insurance companies in the […]

Voya Life Insurance Review

voya life insurance

I know it can be uncomfortable thinking about your death, but if you’re looking to the future, you should include life insurance in those plans. Our finances are an important part of our lives, and a life insurance policy provides a safety net for your loved ones if a disaster occurs. If you are considering […]

Life Insurance for Seniors at Age 65 Or Older

couple with life insurance for people over 65

By age 65, it is likely that you have already purchased a life insurance policy, and it’s possible that you are looking to extend that policy (if it is term life insurance). If you are one of the many Americans without life insurance coverage at this age, there’s still a good chance that you need […]

Return of Premium Life Insurance

woman researching cost of return of premium life insurance policy

Today’s life insurance policies often come with many bells and whistles, offering policyholders some options that might even sound too good to be true. One case, having all of your premiums returned if you survive the term of the policy, maybe a prime example. …unless you know where to look for the hidden costs. You […]

Globe Life Insurance Review

globe life insurance review

We get a lot of questions about Globe Life Insurance Company. Most people who ask have seen the “$1 for up to $100,000 worth of life insurance coverage” ads. If you’re considering this company for your next life insurance policy, continue reading this Globe life insurance review to see how the company stacks up against […]

Life Insurance with Cancer

There are almost 14 million people in the U.S. today who are either cancer patients or cancer survivors. The fact is that most cancers can be treated but still, cancer is unpredictable. While even those in remission should consider their family’s future, getting approved for life insurance can be especially challenging after a cancer diagnosis. […]

Can You Get Life Insurance After Melanoma Diagnosis?

life insurance after melanoma

If you were diagnosed with melanoma, you might have started thinking about the future. A lot of people start making serious decisions after being diagnosed with severe health problems. At this point, you might be wondering if you can still get life insurance after melanoma. If the cancer has been surgically removed, and you have […]

Can I Get Life Insurance with Atrial Fibrillation

Atrial Fibrillation

Can I Get Life Insurance with Atrial Fibrillation? Understanding Your Options Living with Atrial Fibrillation (A-fib) can be challenging.  Buying life insurance with a-fib could also be challenging. Having A-fib does not disqualify you from obtaining life insurance. Here’s a comprehensive guide on the path to securing life insurance with A-fib. Understanding Atrial Fibrillation (A-fib) […]

Life Insurance With a Health Condition

life insurance with health conditions

Having a chronic condition does not simplify your search for life insurance. But with the plans available today, it is common to have several options available once you decide to apply. Can You Get Life Insurance with A Chronic Illness? Step one is figuring out which type of chronic conditions are typically considered, and evaluating […]

Life Insurance with COPD

life insurance with copd

Chronic Obstructive Pulmonary Disease, otherwise known as COPD, is one of the most common lung diseases experienced today. Taking two main forms: Chronic bronchitis that involves a persistent cough and Emphysema, which involves the extensive deterioration of the lung passages over time, COPD is a pervasive disease that requires extensive treatment and frequent medical attention. […]

Life Insurance for Skydivers

man skydiving and smiling and holding two thumbs up

As a skydiver, you understand the importance of living life to the fullest. In fact, you make a point to live in a way that will leave you with no regrets. As exhilarating as this sport is, it is important to ensure that your family would be taken care of should something happen to you. […]

Life Insurance for Scuba Divers

two scuba divers among a school of fish near a reef

Believe it or not, life insurance does tend to differ when it comes to scuba divers. This is due to that fact that extreme sports such as scuba diving do carry risk. Life insurance for scuba divers varies incredibly depending on many factors, and if you don’t use the right life insurance company based on […]

Life Insurance for Pilots

life insurance for pilots

Buying a life insurance policy can be a little confusing, and it’s even harder if your hobbies or career are considered “high risk” by the insurer. High-risk candidates often face higher rates and policy limitations that people with other jobs and habits do not. If you’re a pilot, understanding how your aviation affects your life […]

Is Life Insurance Protected from Creditors?

250000 term life insurance

Investments are important and making sure that your finances are in order should be at the top of the list. That’s why we believe life insurance is a great first step in the right direction. You need to understand the protection that you’re providing your family. And how they will be able to use the […]

Physicians Life Insurance

physicians life insurance

Life insurance coverage should be considered as an integral part of any good solid financial plan – both personal and business. The proceeds from such policies can be used to provide numerous benefits, including the payment of final expenses, paying off a mortgage or other debt, funding a child’s future college education costs, or providing […]

Life Insurance With A Chronic Illness Rider

chronic illness rider

Many life insurance companies offer a terminal illness rider. Such a rider allows the insured to use a portion of their death benefit while they are still alive. This is possible if a doctor deems the policyholder terminally ill. Terminal illness riders are usually included with most life insurance policies at no additional cost. However, […]

Should I Get Life Insurance in my 20s?

should i get life insurance in my 20s

In your 20s, the future looks exciting and adventurous, with few clouds and no discernible shadow of potential tragedy. Though you’re unlikely to look to the end of your life from this sunny vantage point, this is actually an excellent time to think ahead and plan for the future. You’re on your own now and […]

Gerber Life Insurance Review

gerber life insurance

There can be any number of reasons to apply for life insurance. These can include having the assurance that loved ones will be able to go on financially in an unexpected tragic situation. As well as providing a means of payment for one’s funeral and other final expenses. Many people can qualify for life insurance […]

Life Insurance Contestability Period

Life Insurance Contestability

Life insurance is a complicated topic. There are tons of factors and terms that you’ll need to understand in order to have the best protection for your loved ones. While it can be a confusing purchase, we are here to ensure that you have the information and resources that you need to make the best […]

Life Insurance with a Criminal Record

life insurance with a criminal record

There are a few factors that can make obtaining a life insurance policy difficult such as a serious health issue, risky lifestyle choices (i.e. driving recklessly ) and criminal background. Though it can feel like further punishment to be denied coverage for a crime that was already dealt with during the legal process, the denial […]

$100,000 Term Life Insurance Policy

100000 dollar term life insurance

Those that are interested in $100,000 term life insurance have several options to choose from. There are generally 2 categories to consider, policies that require an exam, and no exam policies. While it sounds great to buy a life insurance policy that does not require a physical medical exam, it may not be the right […]

ANICO Life Insurance Review | Term and No Exam

anico life insurance

It is always best to do your research and make sure that you choose an insurance carrier that provides the right type and amount of insurance that is best for you, as well as one that has a reputation for paying its claims in a timely manner. One insurance company that fits these criteria is […]

Buy Sell Life Insurance Agreement

million dollar term life insurance

If you co-own a business, one of your primary concerns must be business continuity if one partner dies or becomes permanently disabled. A buy sell life insurance agreement can provide just that. Without careful planning, the survivor may not have complete control over the transfer of the business. Entering into a buy sell agreement with […]

High Risk Activities That Increase Life Insurance Premiums

high risk life insurance

A variety of different factors are considered when underwriters are analyzing an applicant for approval for coverage. In addition to the standard health conditions that are reviewed, an applicant’s occupation and outside activities are also considered. As these can have an effect on the individual’s life expectancy. High-Risk Activities and Life Insurance In many cases, […]

AIG Direct Life Insurance Review

AIG Direct Life Insurance Review

Matrix Direct was a huge innovation when it launched back in 1995. It was one of the first attempts to harness the internet to connect more people with quality life insurance coverage. Today, Matrix Direct lives on as AIG Direct Life Insurance, a subsidiary of American General Life Insurance Company. For many shoppers, AIG Direct […]

Hepatitis B Life Insurance

Hepatitis B virus illustration

When you apply for a life insurance policy, one of the most important factors is your current health condition. For those who have Hepatitis B, it is possible to be approved for life insurance at standard premiums. This article will help you understand the application process and how to make adjustments to your lifestyle to […]

Annual Renewable Term Life Insurance

annual renewable term life insurance

Many factors affect how long a consumer chooses to carry a term life policy. These might include their age, the price of the policy, and the reason they are getting life insurance in the first place. When you purchase a term life insurance policy, it is valid for a set amount of time. Usually, the […]

American General Life Insurance Review

american general life insurance

Searching for the most suitable carrier, and American General came across your path? You might know for certain you need coverage. But you may still be a bit foggy on which company is the best for you. American General, the insurance carrier under AIG Direct, is one of over 30 life insurance companies we represent. […]

Life Insurance Over 60

couple in their 60s researching life insurance on a tablet

Many people have life insurance policies in place by the time they reach middle age. Most have their first child by this point, get married, and/or get mortgages and other things that would need to be taken care of if anything should happen to them. After all, life insurance is not really for the individual […]

Can You Buy Life Insurance After Breast Cancer?

In the past, breast cancer survivors weren’t able to qualify for life insurance at all. In part because of better treatment options and higher survival rates. However, many life insurance companies are revising their policies to offer coverage to breast cancer survivors. According to Breastcancer.org, one in eight women will develop breast cancer during her […]

Life Insurance for 40 Year Olds

life insurance for 40 year olds

If you’re 40 years old (or older) and are seriously considering purchasing a life insurance policy, then you’re probably also looking for the best rates. Life insurance is one of the most important financial safety nets you can buy for your loved ones. It’s one of the few ways to guarantee that your family will […]

AICPA Life Insurance Review

aicpa life insurance

Whether you are an accountant or any individual looking to protect your loved ones, finding quality life insurance can be challenging. While it’s difficult to think about, purchasing life insurance is the best way to ensure your family will have the necessary funds if something tragic were to occur. When you’re shopping for life insurance, […]

Life Insurance with High Blood Pressure

Life Insurance with High Blood Pressure

If you’re trying to get life insurance with high blood pressure (or hypertension), you should be aware of how insurance companies determine who gets approved and what factors they use to determine your premiums. It’s not always a straight forward path, but that’s what we’re here to help you navigate. To better understand how life […]

Life Insurance with a DUI: A How To Guide

Life Insurance with a DUI

One factor that most people don’t realize is your DMV records.  Getting charged with a DUI can affect your chances for life insurance. The key to getting approved for life insurance with a DUI will take a bit of work, knowledge gathering, and using an independent life insurance agent who knows which companies will approve […]

Should College Students Get Life Insurance?

College Students Get Life Insurance

Today the economy is unpredictable, and student debts continue to rise. Many parents and guardians find themselves grappling with an unexpected question: should they get life insurance for their college-going child? While the thought of life insurance is generally reserved for those a bit further down the timeline of life, the present-day context paints a […]

Prudential Life Insurance Review

prudential life insurance review

If you’re a young family or a working family, hopefully, you’re using a well-planned budget; and, if anyone depends on your income, hopefully, a piece of your plan is a life insurance policy. But if you’ve never purchased one before, you might not even know what to look for, where to get it, or how […]

Intelliquote Review

intelliquote review

Life insurance is one of the most important parts of any financial plan. When purchasing life insurance, it is imperative to choose the right type of coverage and purchase a plan that suits your budget. You can easily compare rates from multiple providers when you work with online life insurance quoting service like IntelliQuote. Find […]

Spousal Rights to Life Insurance

Spousal rights to life insurance

It probably wouldn’t make a good scene in a horror movie, but it would be horrific.  Do you know what your spousal rights to life insurance are? Imagine for a moment that you’re a grieving widow. In your grief, you push aside your emotions and start thinking about your late husband’s life insurance policy. After […]

Does Life Insurance Affect Medicaid Eligibility?

how life insurance affects medicaid eligibility

You have many things to consider when applying for Medicaid. Eligibility requirements differ from state to state. Each state has stipulations about life insurance and whether owning a policy will affect your Medicaid eligibility. Whether you have a life insurance policy already or are considering purchasing one, this valuable financial protection doesn’t have to get […]

15 Year Term Life Insurance

15 year term life insurance

This article is going to look at some of the advantages of a 15-year term life insurance policy and when you should consider purchasing one of these versus some of the other options. When shopping for term life insurance, the biggest choice is how long your coverage length should be. This is because at the […]

25 Year Term Life Insurance

hands of couple filling out life insurance papers for 25 year term life insurance policy

You might already be familiar with a 20 or 30 year term, but have you heard of 25 year term life insurance? The following article discusses the benefits of buying such a policy and the differences in price between the 20, 25, and 30-year term policies. We’ll also cover the best life insurance providers that […]

What is Graded Benefit Life Insurance?

what is graded benefit life insurance

Most people think that you get denied for life insurance because of a health condition. However, there may be other reasons why someone may get denied for life insurance. For example, a dangerous driving history that includes multiple DUIs or reckless driving, recent treatment for alcohol or drug abuse, a criminal record, or even a […]

Transamerica Life Insurance Review

happy family protected by transamerica life insurance

Transamerica is one of the oldest providers of life insurance in the U.S. The company dates back to 1904 and has over 19 million customers. The company was purchased by Aegon, a Dutch life insurance company, in 1999. Transamerica even operated in the United Kingdom for a while during the 1990’s. As an independent agent, […]

Sagicor Life Insurance Review

sagicor life insurance

Looking for a whole life product that will cover a wide range of aging policyholders? Sage Whole Life by Sagicor Life Insurance is a non-participating whole life policy that will maintain coverage as long as the policy is in force, and offers a guaranteed premium, along with cash value and death benefit. We know that […]

Protective Life Insurance Review

protective life insurance review

Protective Life is one of the best life insurance companies we work with here at BestLifeQuote.com, and it definitely ranks among the top, thanks to competitive rates and all of the advantages they now offer. So, as far as term life insurance goes, Protective Life is a good choice. Protective Life Insurance Rates Most companies […]

Principal Life Insurance Review

principal life insurance review

With thousands of life insurers out there, it can be overwhelming when you’re trying to decide which ones work best for you. Each company has different advantages and disadvantages, you’ll want to find a quality company that you can trust, and we are here to make this search easier for you. Today, we’re going to […]

How Using E-Cigarettes Affects Your Life Insurance

e cigarette smokers life insurance

You probably know that life insurance companies aren’t a fan of cigarettes. You know about smoker’s rates and how expensive they can be, but how do e-cigs fit into the life insurance equation? With the popularity of smoking cigarettes decreasing and the high rates for life insurance when smoking, many smokers are turning to tobacco […]

Single People and Life Insurance: It’s Still Essential

single person pondering if he needs life insurance

Most adults around the age of 45 with a wife and three children understand the need for a solid life insurance policy. They understand that this is a key factor in securing their family’s personal finances in the event of their untimely death. Single individuals, on the other hand, may not see a reason to […]

MetLife vs New York Life

brighthouse vs nylife

People often ask me “which is the best life insurance company”. There are actually many excellent providers and the right company for you will depend on your age, health, and the type of life insurance policy you’re looking to obtain. If you’ve narrowed down your choices to New York Life or MetLife, then this article […]

$25,000 Term Life Insurance

25000 life insurance options

Life insurance policies often come in six figures or more in order to cover a variety of expenses, debts, and of course absence of income. In fact, a lot of life insurance companies have minimum policy amounts between $50,000 and $100,000. That said, a $25,000 policy is attainable— you just have to know where to […]

AXA Equitable Life Insurance Company Review

axa equitable

In putting together any financial plan, it is likely that most people should at least consider life insurance. One reason for is loved ones and survivors can use the cash from the proceeds to help avoid financial hardship. You may not have heard of AXA, but they are still worth considering. Unlike other companies like […]

Nationwide Life Insurance Review

nationwide life insurance review

When you’re going through the process of creating a financial plan, there is a good chance that you may need to include life insurance. This is because life insurance proceeds can be used by survivors for many different things, such as paying off debts, and/or continuing to pay their everyday living expenses. Having these funds […]

Fidelity Life Insurance Review

fidelity life insurance review

Planning for your financial future can include making investments that grow and compound over time. This process also includes ensuring that your loved ones are financially secure when the unexpected happens. Most people don’t like to dwell on it. But life insurance is essential to provide the funds for ongoing living expenses or to pay […]

Risky Jobs and Life Insurance

life insurance for high risk jobs

So you have a risky job. Or perhaps you have a son or daughter who does. And you’re wondering how life insurance will fit into the picture. Well, the good news is that you or your loved ones probably can get life insurance. The bad news is that “probably” part. Moreover, you may not be able to […]

Life Insurance Company Financial Ratings

life insurance company ratings

Many factors go into choosing the right life insurance company. Because life insurance is a long-term investment, you’ll want to be sure that you’re selecting a provider who will meet your needs. You’ll also want a company with a proven history of financial stability. This is important for all types of insurance, but it’s especially […]

AAA Life Insurance Review

aaa life insurance

If you’re like most people, you’ve heard of AAA Life Insurance Company is among the best life insurance companies in the U.S. this year. AAA is also a highly rated company, with an A- with A.M. Best and over 1,000,000 life insurance policies. Still, are they the right choice for you when it comes to […]

Life Insurance Medical Exams

life insurance medical exam

When applying for life insurance, people are often concerned about the health exams or blood tests that might be required. Medical exams are common when it comes to life insurance. Once you understand how the exam will be conducted, you can become comfortable with the life insurance medical exam. In this article: How Do Life […]

Banner Life Insurance Review

Banner Life Insurance

About Banner Life Insurance Banner Life Insurance Company – along with William Penn Life Insurance Company of New York – underwrites and issues life insurance coverage under the Legal and General America brand. Banner Life offers life insurance policies throughout the United States via independent insurance agents and brokers. Legal and General Insurance began as […]

Farmers Life Insurance Review for 2023

Farmers Life Insurance

Farmers Life Insurance is a brand many people know, thanks to its catchy “We Are Farmers” advertisements, but is Farmers the right choice for life insurance? Life insurance is an important purchase, but finding the perfect policy with hundreds of different companies isn’t always easy. This Farmers Life Insurance review will cover the pros and […]

ING Life Insurance Review

ing life insurance

Update: As of Sept 1, 2014, ING Reliastar Life Insurance is now known as Voya Financial. There are thousands of different insurance companies, which can make finding the right provider difficult. As an independent life insurance agent, it’s my duty to help customers find policies through reputable life insurance companies. Serving more than 13 million […]

Allstate Life Insurance Company Review

allstate life insurance review

Allstate has been in business for many years and they are a financially sound company. In fact, A.M Best, which is the insurance industry’s main rating agency, gives Allstate an A+ rating. They are one of the most well-known insurance companies in the United States. Doing business with Allstate can also be convenient, as you […]

Life Insurance For Stay-At-Home Mom/Parent

stay at home mom life insurance

Life insurance is typically reserved for working parents, but it can also be useful to have for stay-at-home mothers as well. No one wants to think about a parent dying, especially not when that individual has young children, but life insurance is an important part of providing security for your family. Even though a stay-at-home […]

Life Insurance In Your 30s

life insurance in your 30s

Many people buy life insurance in their 30’s because this is the time many of us begin to settle down and raise families. Many hesitate to purchase insurance because they worry that the cost will be too expensive for their budgets. However, there are a variety of affordable options available that make the purchase attainable […]

10 Year Term Life Insurance

10 year term life insurance

One of the most confusing parts of life insurance is deciding the best type of coverage. Every family has different life insurance needs. Because of its price and flexibility, term is the most popular choice on the market. But even if you’ve decided on a term plan, you still need to decide how long you’re […]

Life Insurance With Asthma

life insurnce with asthma

Finding the right policy for life insurance with asthma can be complex depending on the severity.  If you are an asthma sufferer who is currently shopping around for life insurance, this article will provide you with an overview of the information that you should have while you conduct your search for the right life insurance […]

Can You Get Life Insurance after Prostate Cancer?

life insurance with prostate cancer

Shopping for life insurance can be troublesome, and it’s even harder if you have a health problem, like prostate cancer. Your medical history and any previous problems are going to be hurdles to get coverage, but they won’t stop you. Prostate cancer is the most common cancer that men get. We’ve written this article to […]

Life Insurance For An SBA Loan

life insurance for sba loan

Trying to get quality insurance products at an affordable price can be a tricky process. When applying for a small business loan through a bank or the governmental SBA (Small Business Administration) program, some small business owners are surprised to learn that one of the requirements is having a life insurance policy with a collateral […]

Life Insurance with Multiple Sclerosis

Life Insurance with Multiple Sclerosis

If you have a pre-existing condition, you’re going to encounter some unique complications when you’re trying to get affordable life insurance. Multiple sclerosis can be a devastating diagnosis to get, but it doesn’t mean you can’t get life insurance. Many patients with MS are surprised to learn that they can get approved – the key […]

Life Insurance with Type 2 Diabetes

Life Insurance with Type 2 Diabetes

Type 2 diabetes is a common health condition that affects millions of Americans. If you have this condition, you understand first-hand that it can be challenging to manage the condition and to live with some of the symptoms. Your doctor may have also informed you that you may be at an increased risk for developing […]

FEGLI | Life Insurance as a Federal Employee

Life insurance can be a tricky topic. Every person is different and is in different situations. It’s almost impossible to make any statements or decisions that will apply to everyone. It’s important that you have the insurance coverage that your family will need if something were to happen to you. Many people assume that federal […]

Guaranteed Issue Life Insurance: Good or Bad Deal?

If you’ve never shopped for life insurance before, you may not know how many kinds of plans there are. You may assume they are all the same. If you were buying a security system for your home, you would compare several different systems to make sure your family is safe. Life insurance works the same […]

Life Insurance with Hepatitis C

If you have been rejected for life insurance in the past because of Hep C, you don’t have to go without coverage. There are still affordable choices for life insurance available for Hepatitis C patients. Individuals can apply for life insurance with a company who understands their needs and is willing to help despite any […]

Second To Die Life Insurance

last will and testiment

Life insurance comes with many different options, and you may have heard about second to die life insurance. We’ll cover how this type of life insurance works and its primary uses in this article. What Is Second to Die Life Insurance? Also known as Survivorship Life Insurance or in some cases, Dual-Life Insurance, Second to […]

Primerica Life Insurance Review

primerica life insurance review

Primerica offers life insurance along with many other companies in the marketplace. If you are in the market for life insurance, you want to make certain that you select a company that is financially sound, with outstanding customer service, and affordable policy premiums. This review will demonstrate some of the disadvantages of a Primerica policy […]

AARP Life Insurance Review 2023

aarp life insurance review

We all know we will eventually pass away, but thinking or planning for it can be very uncomfortable. Still, buying a life insurance policy provides protection for your loved ones or business partners when you pass. Though you’ve probably heard of the AARP, you may not be aware that AARP offers several life insurance products […]

Types Of Life Insurance Explained

The proceeds from life insurance – which are received by the beneficiary free of income tax – can be used for a wide variety of needs. These can include the payoff of debt, the continuation of living expenses, and/or for paying the funeral and other final expenses of the decedent. While there used to be […]

Best Life Insurance for High Cholesterol

Some people believe that they are uninsurable— or at least, only insurable at very high rates— if they are shopping for life insurance with high cholesterol. Others simply never consider the fact that it affects life insurance rates in the first place. But the truth is that it does, and every life insurance provider follows […]

High Risk Life Insurance: How To Get Approved

woman who needs high risk life insurance

We’ve all heard a lot of talk these days about pre-existing medical conditions for health coverage, and at first glance, life insurance policies are no different. One of the first considerations an insurance provider looks at is how “high risk” you are. That doesn’t mean however that if you are in a high risk bracket […]

Life Insurance for Type 1 Diabetics

life insurance with type 1 diabetes

Many Americans, both young and old, suffer from diabetes. Aside from the physical limitations they face every day, it can prove difficult to get approved for life insurance. There are some important facts for those suffering from type 1 diabetes to consider prior to shopping. Getting life insurance for your family can be one of […]

Decreasing Term Life Insurance

There is an almost endless number of different life insurance plans that you can choose from. You have many options to give your family the protection that they need. Each kind of life insurance plan has different advantages as well as disadvantages that you should consider. These will depend on your specific needs so that […]

Life Insurance After A Stroke

life insurance with thrombocytopenia

All it takes is one stroke to realize the importance of life insurance. Unfortunately, many stroke survivors are under the impression that their medical history means they won’t be able to get coverage, so they go without protection for themselves and their families despite their increased risk of future health issues. The good news is […]

Life Insurance Settlement Options

Life Insurance board with related terms

There are two main parts to any life insurance policy. The person who bought the plan, and the person who’s going to receive the payout from the policy, also called the beneficiary. The way the money is paid to the beneficiary is called the settlement. Understanding Life Insurance Settlement Options The most common way a […]

One Million Dollar Life Insurance Policy

I know a million dollar life insurance policy sounds like a lot of money. But many people with families should have a million dollar policy or higher. When you add up the mortgage, replacing your income, and covering future college tuition for your kids, you can quickly see how a $1,000,000 policy makes sense. This […]

Life Insurance for Overweight and Obese

If you’re packing on a few extra pounds or even more than just a few, you’re in good company. In this blog post, I’ll cover how being overweight or obese can affect your life insurance rates. In another article, I wrote about understanding life insurance health ratings, and I’ll give a quick recap here. When […]

Best Life Insurance for People Over 50

couple in their 50s researching life insurance online at their home

Yes, shopping for life insurance coverage in your 50s works differently than it did in your 30s. Rates for the same coverage will cost more now. But you could also save if you need less coverage or a different type of policy. Let’s explore the best life insurance companies and types of coverage for people […]

Life Insurance with Sleep Apnea

Life Insurance with Sleep Apnea

Life insurance is as important for the 18 million Americans with sleep apnea as it is for people without the disorder. Because it’s such a common condition, there are millions of Americans with sleep apnea that are looking to get life insurance. In this article, we’ll look at the factors behind life insurance rates for […]

Key Man Life Insurance

As an entrepreneur, your business has a critical role in the economy’s growth. Your creative thinking and innovation is evident in the products, services, and the jobs you create. However, the company you worked so hard to build can vanish at a moment’s notice if you’re not properly insured. Your business is your livelihood. There […]

Life Insurance with Arthritis

If arthritis has become part of your everyday life, you are not alone. According to the Centers for Disease Control, osteoarthritis affects about 27 million people in the United States. An additional 30 million Americans suffer from the pain and lack of mobility associated with rheumatoid arthritis. Arthritis and Life Insurance Arthritis can affect your […]

Life Insurance With Depression

Investing in life insurance is one of the best financial decisions you can ever make. Life insurance provides for and protects your family from a lot of financial stress if something unexpected happens to you. The process of getting life insurance can be stressful. But that shouldn’t keep us from doing what we can to […]

State Farm Life Insurance Review

state farm life insurance review

State Farm is one of the most recognizable insurance providers in the insurance industry. State Farm offers insurance coverage like auto insurance, home insurance as well as several different types of life insurance products and has been since 1922. They are mostly known for their auto and home insurance, however, they do provide life insurance […]

William Penn Life Insurance Review

william penn life insurance

If you are researching life insurance companies and live in New York, you may be considering William Penn Life Insurance Company of New York. With so many life insurance companies, it can be difficult to compare and find the right provider. Every company offers different life insurance products, and each has its own advantages and […]

Life Insurance with Lupus

Getting life insurance can be worrisome if you have been diagnosed with lupus. Since there are higher risks associated with this disease, many companies may turn you down or offer you a low rating class with a high premium. However, even those diagnosed or currently being treated for lupus can get a great life insurance […]

USAA Life Insurance Review

usaa life insurance review

When a loved one passes away without life insurance coverage, the expenses only add to the stress and emotion of what’s going on. It’s crucial for anyone in the market for a life insurance policy to get the right amount of coverage, and the right term length, at the best price. There are plenty of […]

Life Insurance Company of The Southwest Review

life insurance company of the southwest

We know finding the right life insurance policy can be difficult. There are thousands of companies to choose from, and you and your family have unique needs. For some, getting life insurance coverage in force quickly is essential. With Life Insurance Company of Southwest, shoppers can meet that need. Let’s find out if Life Insurance […]

North American Company Life and Health Insurance Review

north american company life insurance review

You may have never heard of North American Life Insurance Company. But they are well-known for their Universal Life policies. And they now have a more competitive pricing structure for their term live coverage. They also offer unique riders and term life options which we will discuss in this blog post. We take a good […]

Mutual of Omaha Life Insurance Review for 2023

Mutual of Omaha review

If you have heard about Mutual of Omaha and want to find out if they are the best life insurance company for you, we are here to help. In this Mutual of Omaha life insurance review, we’ll tell you more about the company’s history, financial ratings, and policy options. In This Review:  About Mutual of […]

SBLI Life Insurance Review

sbli life insurance

If you are considering SBLI for term life, this article will cover their history, financial strength ratings, and how they rank in terms of pricing. You will see why we feel they are on our list of all-around best life insurance companies. SBLI History SBLI was founded in 1907 by Louis Brandeis, who was a […]

MassMutual Life Insurance Review

massmutual life insurance

MassMutual is one of the largest, most highly-rated life insurance companies in America. Founded in 1851, this Springfield, Massachusetts company is an established life insurance provider that has a wide range of financial services available for policyholders. In This Review: About MassMutual Life Insurance Products Offered Underwriting & Policy Requirements About MassMutual Life Insurance Company […]

Northwestern Mutual Life Insurance Review

northwestern mutual

When you purchase a life insurance policy, you want to be 100% certain that the provider will pay your beneficiaries when/if the time comes. With so many life insurance companies to choose from, it can be an overwhelming process to find the right carrier. We’re here to make your life easier; our job is to […]

MetLife Life Insurance Review

metlife insurance reviews

Update: As of August 7, 2017, MetLife is now known as Brighthouse Financial, Inc. MetLife is one of 30 insurance companies that we represent. Therefore, it is our responsibility to provide you with unbiased information designed to help you make the best decision for yourself and your loved ones. MetLife has been insuring individuals and […]

Lincoln Financial Life Insurance Review

lincoln financial

With so many different insurance companies to choose from, the process of getting affordable coverage can become, well, overwhelming. It’s vital that you find a secure and reputable company to purchase your insurance through. But with some of the biggest and best life insurance companies in the United States, how are you supposed to find […]

Guardian Life Insurance Review

Guardian Life Insurance Review

There are two main options available when it comes to life insurance. Permanent Life (in the form of Whole or Universal) or Term Life Insurance. Many people debate the merits of whole vs term life. But my general view is that for most families, term life will make more sense than whole. This is purely […]

Genworth Life Insurance Review

genworth life insurance review

*2018 Update – Genworth no longer sells life insurance policies including no medical exams and traditionally underwritten policies.* Not only are there different types of life insurance policies. There are also many different life insurance companies. When you start looking for the perfect insurance company, you can quickly become overwhelmed by the thousands of different […]

Life Insurance For 67 Year Olds | Is It Too Expensive?

67 year old man getting help with his life insurance from younger agent

Some people believe you can’t get good life insurance policies when you’re ‘past your prime’, meaning, if you are thinking about purchasing life insurance at 67 years old, it’s ok, we can help you find a policy today. There is the popular opinion that companies are just going to deny you a policy or jack […]

Life Insurance with a Structured Settlement

girl thinking about life insurance

One of the biggest questions that people often have about life insurance is how it relates to other kinds of financial vehicles and financial planning. Structured settlements are one popular topic of discussion. Structured settlements can be a real lifesaver for a family. They’re not very prominent types of assets, and some people don’t even […]

Life Insurance For 62 Year Olds

life insurance for 62 year olds

Many people think that they cannot get affordable coverage past their 60s, but there are actually many options available. Those who are at or nearing retirement are actually one of the biggest and most important customer bases for life insurance companies. It’s possible to get reasonable life insurance rates at 62 years old, but it […]

Life Insurance and Marijuana: Weeding Between the Lines

life insurance and marijuana

We get a lot of questions about how marijuana is going to affect life insurance plans and how much users will pay for life insurance, or if they will be declined for coverage because of their smoking. Each insurance carrier has a set guideline they use to determine what risk class your application falls into […]

Leaving Life Insurance To Charities

Estate Planning

You buy life insurance to protect the people you care about, but what about the causes you care about? This is where added a charity beneficiary comes in to play. Adding a beneficiary to a life insurance policy isn’t ideal for everyone, especially those who are constantly strapped for cash and need to keep their […]

Should You Buy Life Insurance When You’re Young?

Life Insurance for Skydivers

There’s a great line in the classic 1946 movie, It’s a Wonderful Life, in which an exasperated elderly man says, “Oh, youth is wasted on the young.” He’s exasperated not just because the two won’t kiss in the moonlight but because he thinks the young couple played by Jimmy Stewart and Donna Reed don’t realize […]

How Much Life Insurance Do You Need?

Calculating how much life insurance you need

We often get through life by making educated guesses. You’re fixing dinner, using a recipe you’ve never used and suddenly realize you don’t have the rosemary leaves the culinary website or cookbook calls for. So you use basil and hope for the best. And from what I’ve seen, we do the same thing with life […]

Life Insurance Application Questions

life insurance questions

When applying for life insurance, it is important for the insurer to learn as much as possible prior to taking on a client. This is because the insurer is essentially taking a big risk with each applicant that they approve, in terms of the amount they could potentially have to pay out. To learn more […]

Life Insurance Scam

It doesn’t matter where you have a dollar or a million of them, a credit card or a check, a piggy bank of a pension. If you have money, a crook wants it. Which explains why there are so many deceptions involving life insurance. For centuries now, con artists have tried to scam life insurance […]

Life Insurance and PTSD

Male Soldier Holding Wooden Cubes With PTSD Text

Veterans returning from Afghanistan and other dangerous countries must sometimes feel like the home front isn’t all that better than the war zone. After all, it can’t be easy adjusting from being in a state of having to watch your back every moment to knowing you can go to the store without a flak jacket. […]

Lying on Your Life Insurance Policy

Everything you know about telling a lie is true. It isn’t a good idea. No news flash, of course — lying about anything can get you in trouble. But if you think about it, telling the truth often isn’t any great shakes either. That’s why so many people who could tell the truth, don’t. You […]

The World’s Record for the Largest Life Insurance Policy

Piles of Cash Layed out

It’s the type of problem we all want. What if you come to realize that you need a really big life insurance policy? …because you’re really, really, really rich? The World’s Largest Life Insurance Policy Many of us don’t have this “problem,” but some people do, and it happened in 2014, in a big way. […]

Does Life Insurance Pay for Suicidal Death?

Suicide and Life Insurance

It’s a long-held belief that life insurance doesn’t pay out if the policy holder kills themselves. But that’s a misunderstood belief and partially a myth. This is a complex topic, but if you’re curious how the two concepts of life insurance and suicide intermingle, here’s what you need to know. Will Life Insurance Companies Cover […]

How Missing Person Life Insurance Works

claiming life insurance without a body

It’s entertaining to read about in a murder mystery or to watch on a fictional television show, but heartbreaking in real life. Sometimes when people die, there’s no actual proof that the death occurred. Planes crash in the water, their passengers never to be seen again. People are murdered, and their bodies are never found. […]

Understanding the Life Insurance Underwriting Process

pen on a life insurance application needing a signature

When you’re applying for any kind of life insurance, you must go through the underwriting process. We’ve been in the insurance industry for years, and we are still getting questions about underwriting. The most common question is, “What in the world is underwriting?!” So let’s take a closer look at the life insurance underwriting process. […]

The History of Life Insurance

History of Life Insurance

If you enjoy watching an entertaining, old-fashioned western on TV, then you would probably accept the notion of a gunslinger jumping out of a window and falling two stories onto a moving horse and taking out eight bad guys with a six-shooter… and find it all perfectly believable. But odds are, if a Hollywood scriptwriter […]

Life Insurance with Thrombocytopenia

Applying for life insurance when you have various health conditions can be challenging. Depending on the specific diagnosis that you have, it is possible that your application for coverage may require higher premiums in order to be approved, or it may be denied altogether. There are, however, ways to improve your chances of being approved […]

Is Life Insurance Taxable?

couple looking over their life insurance plan details

In addition to just paying out a benefit upon one’s death, life insurance can be used as part of an overall strategy for retirement, estate, and financial planning. These types of policies can help to protect assets, and if structured properly, can also be set up such that the owner or beneficiaries are not burdened […]

Term Versus Whole Life Insurance

Life insurance is a type of thing nobody wants to pay for but is always glad they did when the need arises. In addition, it’s an integral part of any financial plan, especially when young children or dependents are involved. Anyone that has loved ones who depend on them financially should not leave them without […]

Life Insurance During and After a Divorce

Divorced couple discussing life insurance

As we go down the road of life, there will be many changes. Some are happy, and some are not. If your marriage does not work out – especially if there are children involved – divorce can bring about a wide array of changes in all of your lives. As bills and expenses begin to […]

Replacing Whole Insurance Life with Term

Life insurance can be purchased for any number of different reasons. Often, because life takes us through so many changes, the needs that life insurance was originally meant to cover may also have changed. When this is the case, it typically makes sense to re-review your plan and alter the amount of your proceeds, the […]

Buy Term, Invest the Difference, and Create a Future Retirement Income

Life insurance should be considered a part of any financial plan. The proceeds from a life insurance policy can provide numerous benefits. The most obvious include the payment of the insured’s final expenses, the balance of a mortgage, or the funding of a child’s future college education. Life insurance would also provide ongoing income to […]

Variable Life Insurance: Stay Away

Life insurance is unique in that— unlike other forms of insurance— the policyholder is not the person who is protected. Instead, it is the beneficiary (or beneficiaries) who is protected when the policyholder passes away. Basically, you buy life insurance for your loved ones, not for you. Variable life insurance, which is designed to build […]

Life Insurance FAQs

Today I want to talk to you about some common term life insurance questions and answers. So let’s talk a little bit about some common questions, as well as answers to questions about term life insurance. Life Insurance Frequently Asked Questions Can the life insurance company cancel the policy for any reason? Other than nonpayment […]

Life Insurance after Bankruptcy

Bankruptcy is a legal process which allows an individual or business to deal with mounting debt. There are many types of bankruptcy, some of which are designed for individuals while others are for businesses. Life Insurance and Bankruptcy While this legal process can often help people in a tough situation, it can also make other […]

Group Term Life Insurance

Employer shaking hands with employee signing up for Group Life Insurance

Group life insurance is often provided as part of a complete employee benefits package. In fact, the affordability of coverage is one of the primary attractions to many employers that offer benefits such as life insurance. Group life insurance plans cover a broad group of people. So it is relatively inexpensive for each individual person. […]

20 Year Term Life Insurance: Why You Should Buy

We talk to a lot of applicants who have no idea how long of a plan they should buy. It’s an easier decision than you might think. This article is going to look at the advantages of 20-year term plans and help you decide if they are a good choice. Term Life: is 20 Years […]

The Pros and Cons of an Irrevocable Life Insurance Trust

Life Insurance Irrevocable Trust

You have life insurance, but that might not be enough. What happens when you need to protect yourself from the tax man? Creditors? Prying eyes? You need something a tab bit more secure. What about an irrevocable life insurance trust? Irrevocable Life Insurance Trusts: Advantages and Disadvantages Life insurance trusts have many features and benefits, […]

Life Insurance Flat Extra Premiums

Insurance Premiums

Understanding Flat Extra Premiums in Life Insurance: A Comprehensive Guide When it comes to protecting  your family’s financial future, life insurance stands as a shield. But what if you find yourself in a situation where life insurance companies aren’t offering a straightforward “yes” or “no” answer? Perhaps you’re dealing with a serious illness or you […]

Life Insurance for U.S. Foreign Nationals

There are, of course, a myriad of reasons that lead U.S. citizens to live abroad for either a temporary or long-term period. Work can take U.S. foreign nationals all over the world where they’re required to live in locales beyond U.S. borders. Pursuing educational goals, taking a sabbatical, or simply choosing to reside in a […]

Dave Ramsey On Life Insurance

one green die with the word good and one red die with the word bad

Dave Ramsey has become a star in personal financial planning circles. One of the things he constantly comments on is life insurance. But should you listen to him?… It depends. Sometimes, he doesn’t get his facts straight and only tells you half of the story. What Does Dave Ramsey Say About Life Insurance? While Ramsey’s […]

IUL As A Retirement Saving Option

Having life insurance in retirement can be comforting and seem worthwhile if you don’t have a big enough nest egg to leave your family when you die. Since life insurance is often used to replace income if you die prematurely during your working life to protect your family from financial disaster without your income, it […]

What is Accidental Death Insurance and Should You Have Some?

Fatal accidents occur so often that insurance companies now offer accidental death benefit life insurance riders and policies. What are accidental death benefit riders? What are accidental death benefit policies? It is very important to know the difference. Read on to find out. AD&D Insurance If you have an accidental death benefit, it means that […]

How To Choose Your Life Insurance Beneficiary

Life Insurance beneficiary

It’s a pretty morbid thought – someone is going to financially benefit from your death. But should it really creep you out? Life Insurance Beneficiaries The purpose of life insurance is to provide much-needed money that you’re no longer able to provide yourself. It says “I will honor my financial commitments, even after I’m dead.” […]

High Risk Occupations and Life Insurance

High rise window cleaner hanging next to the side of the building

People don’t usually think about high risk occupations being a concern with insurance. It’s obvious that pre-existing health conditions, such as smoking or being overweight, cause providers to worry about their liability risk when discussing coverage options. In those cases, insurance providers have every reason to be concerned since these types of policyholders would have […]

Understanding Life Insurance Health Ratings and Table Ratings

Everyone who applies for life insurance is assessed for coverage. Insurers provide coverage and premium rates in accordance with an applicant’s risk level. To that end, insurance companies typically place applicants in categories relative to their risk which involves their health as well as lifestyle choices. Smoking, for example, as a behavior associated with health […]

Life Insurance for Active Duty Military

army soldier holding coffee cup in kitchen smiling

There are options for life insurance for active-duty military members with a variety of different components. Servicemembers Group Life Insurance (SGLI), Veterans’ Group Life Insurance (VGLI), and Conversion options, are just a few of the major components. Reaching a greater awareness of the features of each gives you the details that allow you to make […]

Life Insurance With Angina Pectoris or Prinzmetal

If you have angina pectoris or another form of cardiovascular disease, then you will need to know what to expect in terms of term life insurance pricing. You will most likely be declined a traditional policy if you have angina pectoris and are under the age of 40. However, it is possible for you to […]

Alcohol and Life Insurance Premiums

After you have begun the (long) process of buying a life insurance policy, you will have to answer some questions on the application related to your alcohol use. The insurance company doesn’t have rules on “alcoholics,” but alcohol abuse or excessive drinking can cause serious chronic conditions which can greatly affect your life insurance premiums. […]

Reasons People Get Declined for Life Insurance

Adverse health conditions are generally thought to be the reason why one would be turned down for life insurance coverage, but health conditions are only one reason why you could be turned down. There are other reasons why you could be declined and this article will provide you with information, tips as well as what […]

Getting Term Life Insurance as a Cigar Smoker

Most people who enjoy cigars assume that, when it comes to term life insurance, they will automatically be given the much more expensive “Smokers’ Rates” as a result. However, this is not necessarily the case. If you smoke cigars, and only cigars (no other forms of tobacco/nicotine), you are actually eligible for non-tobacco rates with […]

30 Year Term Life Policy

The whole point of term life insurance policies is that they provide you with coverage when you need it the most— when you are still working and have family members who are dependent on you. So depending on when you decide to apply for life insurance, a 10 to 20-year policy could suit you and […]

Understanding Life Insurance Riders

When standard life insurance packages aren’t offering the coverage you need, you can purchase additional security with something called a “rider.” These are insurance add-ons that provide everything from additional accidental coverage to premium waivers if you get disabled, and they can grant real peace of mind to anyone struggling with the black-and-white terms of […]

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