Clear Talk About LIRPs

life insurance retirement plan

What is a LIRP? LIRP stands for life insurance retirement plan.  The most used life insurance product for a LIRP is indexed universal life (IUL) insurance.  When structured properly, LIRPs provide the tax-free advantages of a Roth IRA without the contribution limits of a Roth IRA. This article provides clear details on how to structure […]

2021 Allianz Life Insurance Company Review

Allianz Life Insurance

Allianz Life Insurance Company Ratings Established over 115 years ago, Allianz Life Insurance Company of North America has grown its footprint to over 85 million clients worldwide and are currently ranked in the top 50 life insurance companies in the world. As far as their financial products are concerned, Allianz has grown to take the […]

Life Insurance for Seniors Over 70 No Medical Exam

life insurance for seniors over 70 no medical exam

There are more seniors over 70 purchasing life insurance than ever before. Most have common reasons to be shopping for life insurance this late in life and many are concerned about whether they can find life insurance for seniors over 70 with no medical exam. Seniors who are in their 70s and shopping for life […]

IUL Policies | All You Need To Know About A Tax Free Retirement


Many of our clients today are looking for ways to use indexed universal life (IUL) as a way to build a tax-free income stream during retirement, save for college, or have cash in hand during an emergency. If you are looking to use IUL to help reduce income taxes during retirement, you must design your […]

Acuity Car Insurance Review

Acuity car insurance review

Acuity Insurance Overview Acuity Insurance is a mutual insurance company based out of Sheboygan, Wisconsin and is the 57th largest insurance provider in the US.   They made our list of auto insurance companies to compare rates with.  Acuity Insurance boasts a high customer satisfaction rate and a good history of paying claims on time in […]

Does My Car Insurance Cover Other Drivers?

does my car insurance cover other drivers

Most of the time car owners toss their keys to a family member or trusted friend without a second thought. That is unless that family member is your 20-year-old son and can’t drive his car because he ran it into a ditch after he dropped his cell phone while texting his girlfriend and driving with […]

Does My Car Insurance Cover Rental Cars?

does car insurance cover rental cars

If you have ever rented a car for a business trip or family vacation, you know the drill: you pick out the car you want, select the terms, and then, you decide if you want to purchase car insurance through the rental company. On the surface, the right choice is to say yes. The last […]

Car Insurance Calculator

car insurance calculator

Car Insurance Calculator – Before You Renew or Buy a New Car   Car insurance rates are anything but static, especially if you have a six-month policy term. Most car insurance companies prefer a six-month policy rather than twelve months because it gives them the opportunity to adjust their rates (rarely ever down) twice a […]

What is Non-Owner Insurance?

what is non owner insurance

For those folks that do not own a car, car insurance companies offer a liability policy known as “non-owner” car insurance.  If you often borrow or rent a vehicle, or need to file an SR-22 while not owning a vehicle, the non-owner car insurance policy is one of the most affordable options when needing to […]

What is SR 22 Insurance?

sr 22 insurance

Although many car owners have never heard of or been exposed to SR-22, there are tons of people out there that know what it is and why they have to have it. First of all, SR-22 is not a type of insurance. SR-22 is simply the form number used for the Financial Responsibility Form that […]

No Fault Insurance | Best rates in Your State

no fault insurance

You may be familiar with at-fault car insurance. If you’re in an accident with someone, the person who caused the accident is responsible for helping pay for damage done to your car—and in some cases—helping with medical bills. That person would file a claim with their car insurance company. Most state laws operate on an “at-fault” basis. […]

Motorcycle Insurance in 2020

motorcycle insurance in 2020

Interestingly, not all states require motorcycle riders to have liability insurance. The average motorcycle on the road today weighs about 550 pounds and can do a lot of damage if it happens to crash into your vehicle or other property.   Also, consider having 550 pounds of metal lying on top of you. Although most […]

Auto Insurance for Uber and Lyft Drivers | Rideshare Insurance

rideshare insurance

Lately, many folks are joining the “gig” economy by becoming a full-time freelancer or a part-time freelancer or “moonlighter.” Since most adults own vehicles, one of the easiest ways to start working as a freelancer is to get into the ridesharing business. What started out as a thorn in the side of cabdrivers has exploded […]

What are the Different Types of Car Insurance?

different types of car insurance

Buying car insurance in the 21st Century is supposed to quick and easy, right? Well, for most people, it generally is. However, there are different types of car insurance policies that need to be considered by many car owners, and that can throw a wrench in an online policy. What if your car is not […]

What is a Backdoor Roth IRA?

backdoor roth IRA

A Roth IRA is very much the same as a traditional IRA, except you fund it with cash that has previously been taxed — which means there isn’t a tax break on the front end. In 2020, you can invest up to $6,000 each year, or $7,000 if you are age 50 or older, in […]

Using Guaranteed Universal Life for Income Protection

guaranteed universal life insurance

When many people think of life insurance, they think only of someone dying and money that is paid to a beneficiary. What they don’t think of are the many beneficial purposes the money serves in the lives of those left behind.   Let’s take a look at how Guaranteed Universal Life insurance can provide many […]

What is Modified Premium Whole Life Insurance?

modified premium whole life insurance

Modified premium whole life insurance is very similar to traditional whole life insurance. It is a form of permanent insurance, meaning that it is intended to be kept for a person’s whole life, as opposed to insurance for a temporary need, such as term insurance.   Modified Premium Structure   Unlike traditional whole life insurance […]

What are Paid-Up Additions on a Whole Life Policy?

what are paid up additions

In order to understand what paid-up additions are on a whole life policy, it’s essential that we first understand what dividends are, since dividends are what purchases the paid-up additions.   Whole Life Dividends   Whole life insurance policies are a class of what is referred to as “participating policies” because policyowners participate in the […]

What does an HO-8 Policy Cover?

what does an HO-8 policy cover

Most homeowner’s insurance policies are for homes built within the last 40 years. Homes in this age range tend to be relatively stable and relatively low-risk, so a normal HO-3 or HO-5 policy is usually good enough for protection. Older houses, though, need special insurance protection If your home is old or made from materials […]

What is Flood Insurance?

what is flood insurance

If you take a look at most of the standard homeowner’s insurance policies—HO-1, HO-3, and HO-5, you likely notice that most of them are curiously absent of what might seem like a significant peril—floods. Most standard homeowner’s insurance policies do not include flood protection as part of the package. In cases where flood protection is […]

What does an HO-7 Policy Cover?

what does an HO-7 policy cover

If you own a mobile or manufactured home, then you need a particular type of homeowner’s insurance. You need an HO-7 policy. Things like HO-1, HO-3 and HO-5 insurance policies are for homeowners, and HO-4 and HO-6 plans are for renters and condo owners, respectively. Those with mobile homes or manufactured homes are required to […]

What does an HO-6 Policy Cover?

what does an HO-6 policy cover

If you own a condo, then you most likely have some kind of HO-6 insurance policy. HO-6 policies, also called condo insurance, are specifically designed for insuring single-unit condos and providing liability coverage. If you own a condo but do not have HO-6 insurance, then your condo can be at great risk. We are going […]

What does an HO-4 Policy Cover?

what does an HO-4 policy cover

There are several different types of homeowner’s insurance each of which offers different levels of protection and coverage. An HO-4 homeowner’s insurance plan, also called renter’s insurance, protects a renter’s personal property and liability. If you rent a condo, apartment, townhome, or home, and have insurance, then you likely have an HO-4 policy. HO-4 insurance […]

What does an HO-2 Policy Cover?

what does an HO2 policy cover

Those who own a residence need homeowner’s insurance. There are several types of homeowners insurance policies. We are going to cover HO-2 policies and talk about what kind of coverage and benefits they offer homeowners.   What Is an HO-2 Policy?   In a nutshell, an HO-2 policy plan is a tier of homeowner’s insurance […]

What does an HO-5 Policy Cover?

what does an HO-5 policy cover

For most homeowners who want adequate insurance protection, an HO-3 homeowner’s insurance policy is the typical choice. HO-3 policies offer a good range of coverage for your home and possessions. However, for those who want more protection, there are HO-5 policy plans. HO-5 plans are truly comprehensive and cover both your home and possessions under […]

What does an HO-1 Policy Cover?

what does an HO1 policy cover

If you are planning on buying a house, then you will most likely need to buy homeowners insurance. Given that your home is probably one of if not the single largest financial investment you will make, you want to make sure you are protected from risks like storms, injuries, theft, damage, and more.   Homeowners […]

What are DP Insurance Policies

what is a dwelling policy

When it comes to homeowner’s insurance, there are two major types of policies: homeowner’s policies and dwelling policies. Homeowner’s policies are for homeowners who live in their primary residence and include plans like HO-3 and HO-5 policies. Dwelling policies, on the other hand, are for a property that is not occupied by the owner. Since […]

What is a Life Insurance Premium

what is a life insurance premium

Just as the taxes we pay keep our roads paved, life insurance premiums keep us insured and our families protected. No one particularly likes paying them, but they are necessary for our overall well-being. But who determines their price? What do the insurance companies do with the premium? What if I can’t pay my premium […]

What does an HO-3 Policy Cover?

An HO-3 policy is an official designation for what is known as “standards homeowners insurance.” HO-3 policies are normally the standard homeowner’s insurance plan because they offer a good mixture of coverage and benefits. We are going to cover the specifics of HO-3 policies and talk about their features, what the cover, and whether they […]

Whole Life or Guaranteed Universal Life | Which is best for You?

father with child on shoulders

When searching for a life insurance policy, the choice typically comes down to either a permanent insurance policy or a term insurance policy. The difference between the two is straightforward. Permanent insurance, like guaranteed universal life and whole life, is insurance you intend to keep the rest of your life. Term insurance is meant to […]

The 10 Best Guaranteed Universal Life Insurance Companies in 2020

guaranteed universal life insurance

Guaranteed Universal Life Insurance (GUL) provides certainty in uncertain times. Many people want the assurance that the full face amount of their policy will always be available to their beneficiaries; GUL provides that as long as scheduled premium payments are made. In fact, using guaranteed universal life insurance for seniors is likely more affordable than […]

What Type of Homeowners Insurance Policy do I Need?

image of a home

When it comes to shopping for a homeowners’ insurance policy, you have a wide variety of options. Not only are there many home insurance providers, but there are also many types of homeowners insurance policies to choose from. While these types differ for those who own their home vs. those who rent their home, what’s […]

Royal Neighbors of America Life Insurance Company

royal neighbors featured image

Not all insurance companies operate in the same way. Royal Neighbors of America is a perfect example of that. Instead of simply concentrating on the needs of their customers, Royal Neighbors also takes into account the needs of the policyholder’s family and community as well.   Many years ago when women and children were unable […]

State Farm Auto Insurance Review

state farm homeowners insurance

Even though car insurance rates seem to be climbing lately, the auto insurance industry remains very competitive. In today’s economy with all the innovative technology, there is simply no reason that anyone should be overpaying for car insurance. In fact, most auto insurance companies no longer offer an annual policy which means that you can […]

Lincoln Heritage Life Insurance | Company Review

If you’re considering applying with Lincoln Heritage Life Insurance Company, perhaps you’d like to determine if it might be the ideal choice for you and your family? Although we are unable to control when we die, we can manage the financial implications that typically landing in the laps of our surviving loved ones. If you […]

How can Accidental Death Insurance make a Difference?


Accidental Death Insurance is truly a low-cost alternate choice to life insurance coverage. It is a method for individuals who might normally be declined to have life insurance if they were to die because of an accident. Keep in mind, however, there are a handful of traditional life insurance companies that offer guaranteed issue insurance […]

Why Buy a $750,000 Life Insurance Policy?

750000 life insurance

Wow! A $750,000 life insurance policy. This may seem like a lot of life insurance for most folks, but when we really drill down into how much you need, this may not even be enough. If you’ve watched any TV or go on social media, you’ve likely seen life insurance ads where the price seems […]

What’s the cost of a $1,000,000 Life Insurance Policy?

1,000,000 life insurance

Individuals and families who are concerned about what will happen to loved ones if the primary breadwinner dies unexpectedly know that the primary family income can be replaced using affordable life insurance. These folks typically understand the concept of income replacement and therefore a $1 million life insurance policy isn’t unusual in fact, for many […]

Aflac (American Family Life Assurance Company) 2020 Review

aflac life insurance review

Aflac offers much more than just entertaining commercials featuring the Aflac duck. Since 1955, Aflac has been providing people with a wide variety of insurance coverage, through both the workplace and direct sales to individuals. This review will detail the company’s background, the different coverages Aflac offers, how those coverages are marketed, and Aflac life […]

Forethought Life Insurance Company

large commercial building

When shopping for life insurance, a lot of people say that the only thing more challenging about life insurance products is the number of companies out there selling them. When you consider that a life insurance policy is a promise to pay a death benefit in exchange for a premium, it’s important to know as […]

Is Decreasing Term Insurance Extinct?

Decreasing term insurance

Believe it or not, there was a time (the good ole days) when decreasing term insurance was popular. Consumers primarily used it to cover a debt so it would be paid off if you died during the repay period of the debt. If a consumer elects to cover debt with life insurance on their own, […]

Globe Life Insurance Review

Globe Life Insurance Review

Globe Life Insurance Review Anyone who watches television has probably seen commercials put out there by life insurance companies, especially those companies that sell directly to the consumer. Certainly, TV advertising is a great method for getting consumers to think about life insurance and we applaud companies that are willing to pay big bucks to […]

Ethos Life Insurance | Company Review

Ethos life Review

Do you prefer to wait weeks to get your life insurance issued while your insurance company collects health information about you and sometimes your immediate family? If you need life insurance now because you’re not insured or under-insured but you want it to fit in your budget, continue reading our Ethos Life Insurance Company Review […]

Ladder Life Insurance Review

ladder life insurance review

When you embrace 21st Century technology, you can buy almost anything online. The days of purchasing a product like life or health insurance only from an agent while sipping coffee at the kitchen table are over for the majority of consumers in America. Recently, and primarily because of available funding, life insurance companies have opened […]

Policy Genius Review

policygenius review featured img

If you’re in the market for insurance and want to buy it fast, cheap, and from a highly-rated insurance company, Policy Genius is a great place to start and our Policy Genius Review should be the first step you take. It’s important, however, that you understand Policy Genius is not an insurance company but rather, […]

SelectQuote Company Review

selectquote company reivew

Let’s put first things first. SelectQuote is not an insurance company, but rather an insurance agency. This is a good thing for consumers because it means you can go to one resource for quotes from just about every life insurance company. SelectQuote is one of the largest insurance brokers in the country and it seems […]

Farmers Home Insurance | Product and Company Review

Farmers Home Insurance

Here is our take on Farmers homeowners insurance.   Certainly, there are a lot of home insurance companies out there vying for your business. Most of them have very similar rates and do a pretty good job providing customer service and claims service. If you watch any TV or surf the internet, then it’s very […]

Citizens Property Insurance

Citizens Property Insurance

Not every home purchase involves a home that is in great shape and ready to be occupied. And, in some cases, even though your home has earned a certificate of occupancy, the major home insurance companies continually cancel your policy after an inspection is completed. What happens when you own a home that the major […]

State Farm Homeowners Insurance

state farm homeowners insurance

Certainly, no legitimate homeowners insurance companies review without including State Farm homeowners insurance. When you consider advertising on TV, Google, Facebook, and Twitter, State Farm is everywhere.   However, being well-known doesn’t mean you’re insurance products are well-liked. In fact, just the opposite might be true because pricing, customer service, and claims service have little […]

Universal Property and Casualty Homeowners Insurance

universal property and casualty homeowners insurance

Most homeowners can tick off the top five or ten homeowners’ insurance companies when you ask them. Typically the top five they give are the insurance companies that advertise the most on TV or online.   But what happens when you are shopping for insurance and the top five’s rates are too high or your […]

Erie Homeowners Insurance – Product Review

Erie homeowners insurance

Homeowners’ insurance is important. After all, for most people, their home is their most valuable asset. Not just in dollar value but also in the value of memories as small families grow and children begin having children. Although Erie does not offer homeowners insurance nationally, if you live in a state they service, Erie homeowners […]

Liberty Mutual Homeowners Insurance

liberty mutual office bldg

In our continuation of providing information about the many insurance companies offering homeowners insurance, in this article, we present Liberty Mutual Homeowners Insurance. If you are purchasing a home and taking a mortgage on the transaction, your lender is going to require that you purchase homeowners’ insurance and in most cases, you’ll be required to […]

AAA Homeowners Insurance

AAA homeowners insurance

Whether you own your home outright or if you have a mortgage, it’s still likely that it’s your most valuable asset and as such, you should protect yourself from the risks of owning it. In this article, we’ll take a look at AAA Homeowners Insurance to help you make an informed decision about whether this […]

Nationwide Homeowners Insurance – Product Review

Nationwide Insurance Company headquarters

There are probably many Nationwide Homeowners Insurance reviews that can be found online but having one more is certainly not a bad thing. For most homeowners or “soon to be” homeowners, their house will likely be their most valuable asset and as such, it should be important to you to mitigate the financial risk associated […]

Allstate Homeowners Insurance

Allstate homeowners insurance

Without a doubt, when it comes to homeowners insurance, Allstate is certainly considered one of the big guns. Ask somebody to name the top five home insurance companies and it’s highly likely that Allstate will be among them.   In this article, we intend to provide the information you’ll need to make an informed decision […]

Progressive Home Insurance

Progressive home insurance offices

Certainly, most people have heard of Progressive Auto Insurance because we are regularly greeted by Flo and Jamie who spend a lot of time hawking Progressive on TV. They also remind us to “bundle” so that we can save money on home and auto insurance. So then, it’s logical that consumers would want to know […]

Best Return of Premium Life Insurance Options?

return of premium term life insurance - ATM

Although Return of Premium Life Insurance entered the insurance market with a “Bang,” the interest has begun to wane as many financial gurus condemn the product as being overpriced. These gurus who opine regularly about the additional cost of the return of premium (ROP) are typically guilty of painting all insurance shoppers with a broad […]

What is Loss of Use Coverage?

what is loss of use coverage

It’s interesting that when most people talk about homeowners’ insurance, they understand the coverage on their home and they understand the coverage on their personal property but when you bring up loss of use coverage, the conversation turns into a question and answer period, and that’s okay. Most homeowners are not aware of the loss […]

USAA Homeowners Insurance – Company Review

USAA Insurance

If you’re a first-time homebuyer or you’ve got a lot of experience with buying homes over your lifetime, you are most likely painfully aware of the research it takes to make certain you insure that home with a policy that delivers on value and affordability. If you are a service member, veteran, or family member […]

How much Homeowners Insurance do I Need?

how much homeowners insurance do I need

For most individuals and families across America, the home they own or plan to own will likely become their most valuable asset and as such, they must mitigate the financial risk that is associated with homeownership. This risk represents more than the cost to repair or replace your home and its contents but also represents […]

How Much Does Homeowners Insurance Cost?

how much does homeowners insurance cost

For homebuyers who are first-time buyers or homebuyers purchasing in a new state, or even if it’s been a while since you’ve owned a home, the cost of homeowners’ insurance has changed dramatically over the last two decades. Home insurance companies are reacting quicker than usual to claims from natural disasters and insurance commissioners in […]

Colonial Penn Life Insurance Review for 2020

Colonial Penn Review

In our effort to educate prospective insurance clients, is pleased to offer our Colonial Penn Life Insurance review for 2020. If you watch any television at all, it’s likely that you’ve seen Jeopardy host, Alex Trebek, talking about guaranteed acceptance insurance from Colonial Penn Life Insurance Company. The Colonial Penn program specializes in offering […]

Does Homeowners Insurance Cover Mold?

does homeowners insurance cover mold

If you’re a homeowner or rent a home, especially in states like Florida, Arizona, or California, you’ve likely smelled that distinctive odor of mold in the home and then you immediately begin to wonder does homeowners insurance cover mold?   In many cases, the odor is very subtle (especially if it hasn’t been there long) […]

What does Replacement Cost Mean in Homeowners Insurance

what does replacement cost mean feature image

When you shop for homeowners insurance, you’ll likely come across terms in the application that you may not understand. Terms like replacement cost, actual cash value, mitigation, loss of use, and depreciation are common for agents but may not be common for insurance shoppers.   Unless you pay cash for your home, you will be […]

What Does Homeowners Insurance Cover?

what does homeowners insurance cover

Do you know what homeowners insurance covers? If you are planning to purchase a home or you currently own a home, you must carry homeowners’ insurance if you have a mortgage. If you own your home outright, you’re not required to carry homeowners’ insurance but going without it means your home, which may likely be […]

Auto-Owners Insurance Company – Auto Insurance Review

Auto-Owners auto insurance

Many vehicle owners feel like they are aware of the most popular auto insurance companies because of how many TV commercials they see each week.   Certainly, you would think that if an insurance company has the money to spend advertising 24/7 they must be one of the largest out there.   The problem with […]

The Hartford Auto Insurance Review

The Hartford featured image

When you think about The Hartford is it because of the buck that is on their TV commercials or is it because they are recommended by AARP?   In reality, many people don’t differentiate between AARP and The Hartford because they appear to be linked in many ways.   To be clear, The Hartford is […]

TruStage Auto Insurance Product Review

Trustage auto insurance

So, your neighbor knows you are about to start shopping for auto insurance and she recommended TruStage because her mother-in-law works there. What do you do?   It may be embarrassing for you to say that you’ve never heard of them, you being the guy on the block who lives on Google 24/7 so you’ll […]

Erie Auto Insurance Review

Erie auto insurance review

If you’re the type of insurance shopper that wants to do business with a well-established company rather than an upstart, Erie Auto Insurance is for you.   Erie was founded way back in 1925 and is now competing with the big guys even though they only operate in 12 states and the District of Columbia […]

The Zebra Auto Insurance – Compare Quotes

the zebra auto insurance

Have you reached a point with your current auto insurance company when rates are going up but service standards are going down? Did the folks at Zebra Auto Insurance tell you that the rates they offered were the lowest in the marketplace? Did your heart skip a beat when you got your renewal bill and […]

USAA Auto Insurance – Company Review

USAA Insurance

When the time comes to shop for auto insurance, do you experience a feeling of dread or are you anticipating protecting yourself from liability claims and protecting your shiny new car at the same time?   We have found over the years that there are two types of auto insurance shoppers; those that want the […]

AAA Auto Insurance Review

AAA auto insurance review

Most folks that own a car are aware of AAA (the American Automobile Association), but many don’t realize that these folks are also known as AAA Auto Insurance.   To some insurance shoppers, it may seem unusual to have to join an auto club to buy their auto insurance, but not when you consider you […]

The General Auto Insurance | Company Review

The General Auto Insuranace

Have you ever been talking to an insurance agent and then he or she has a look at your driving record and all of a sudden their enthusiasm seems to diminish?   It’s interesting how insurance ads typically claim to save you hundreds of dollars in only a matter of minutes; that is until they […]

MetLife Auto Insurance Review

metlife auto insurance

Are you as picky about your car insurance as you are about the car you drive? Surprisingly, many people who own expensive cars look for the cheapest way to protect it.   Think about it, have you ever owned an expensive camera and bought the cheapest case in the store only to find out when […]

QuoteWizard Auto Insurance Review

quotewizard auto insurance

QuoteWizard is a lead generation platform (marketplace) where auto insurance shoppers can get auto insurance rates from multiple highly-rated insurance companies.   The company has been around for 12 years now and insurance agents and agencies rely on lead generation programs like QuoteWizard for an ongoing supply of prospective insurance customers.   It’s important to […]

Progressive Auto Insurance Review

Progressive feat img

Progressive Auto Insurance is just one of the many insurance products that we’re exposed to every day. You’ll find these ads on TV, YouTube, Facebook, Twitter, and just about any other social or streaming service.   The question is: Which car insurance company is best? If you believe cheap car insurance is the best car […]

Mercury Auto Insurance | Company Reivew

mercury auto insurance

Most independent insurance agents find over their years dealing with insurance shoppers that there are three groups an insurance shopper will likely fit in.   The Fast and Furious – These are car insurance shoppers that typically want cheap insurance and they want it now. Most insurance agents can forget about having a discovery interview […]

Farmers Auto Insurance – Company Reivew

farmers car insurance

Have you ever purchased auto insurance at an incredibly low rate only to find out that the company offered terrible customer service and you got the run-around after filing a claim? If so, you’re not alone. You can look online and find a lot of complaints about insurance companies and some of them have a […]

SafeAuto Insurance – Company Review

safeauto insurance company review

Established in Ohio in 1993, SafeAuto Insurance Company is considered a newcomer when it comes to auto insurance companies. SafeAuto has designed its auto insurance program to target vehicle owners that commonly purchase minimum-coverage policies to save as much money on their premium as possible.   Offering auto, motorcycle, homeowners insurance, renters, small business insurance, […]

Esurance Insurance Services | Company Review

Esurance insurance services

Esurance Insurance Services, founded in 1999, was designed to offer competitive auto, motorcycle, homeowners, renters, condo insurance, and life insurance through an innovative online platform. The company, after displaying that they could be profitable early on, was purchased by Allstate in 2011 and remains a wholly-owned subsidiary. Thanks to today’s technology, insurance shoppers can access […]

What is Classic Car Insurance?

classic car insurance

If you’re one of those individuals who fell in love with the cars of yesteryear and your joy is in restoring them, showing them at car shows, or just tooling around the countryside, you’re regular personal auto coverage will not protect your “baby” like Classic Car Insurance can.   If you add your beautifully restored […]

PIP Insurance | Top 5 Questions

PIP Insurance

Unless you live in a No-Fault state now or have lived in one in the past, you’ll likely not have a clue about Personal Injury Protection or PIP Insurance.   Personal injury protection insurance coverage was originally designed to help reduce the number of car accident lawsuits which were overwhelming many jurisdictions in the U.S. […]

What is Property Damage Liability Coverage?

what is property damage liability

When anyone buys a car and plans to drive it on the roads and highways, they must buy liability insurance before the state will allow them to get a tag. Certainly, most everyone knows this but not everyone knows what liability insurance is.   First of all, liability insurance is not about your injuries or […]

5 Things You should know about Med Pay Coverage

5 things you should know about med pay

Here’s a quiz. Out of the following car insurance coverages, which one is least understood? Bodily Injury liability Property Damage Liability Uninsured/underinsured Motorist Bodily Injury Uninsured/underinsured Motorist Property Damage Med Pay Personal Injury Protection Comprehensive Collision Towing and Rental If you’re like most car owners, there may be a few coverages listed above that you […]

What is Uninsured/Underinsured Motorist Coverage?

what is uninsured underinsured motorist

When shopping for car insurance, most people think that uninsured/underinsured motorist is a coverage that everyone should carry. And in most cases, they’re probably right.   What’s interesting, however, is when you ask the average car owner if they carry this coverage, they immediately reach for their car insurance ID card and discover it’s not […]

Bodily Injury Liability [What does it Cover?]

bodily injury liability

If you have any experience with purchasing auto insurance, you will certainly understand that Bodily Injury Liability coverage is probably the most important coverage in your policy.   Many car insurance shoppers fail to understand how important bodily liability coverage is and how it mitigates your risk of expensive lawsuits.   Sure, protecting your car […]

Auto Insurance Agent Near Me | Great Rates and Service

auto insurance agent near me

Believe it or not, there are a few steps you can take to make your car insurance shopping experience better.   Most folks like to do business locally even if they prefer online shopping over bricks and mortar shopping. We believe that there should be a method to the madness and in this article, we’ll […]

What is Comprehensive Insurance | What does it Cover?

what is comprehensive insurance

When most people think of comprehensive coverage on their auto policy, they assume that it will cover just about everything. Although this is a false assumption, it’s logical if you look at the definition of “comprehensive.” Here’s what Meriam-Webster has to say about the word:   Yes, comprehensive coverage provides a lot of protection for […]

What Auto Insurance Deductible Should I Choose?

what auto insurance deductible should I choose

Personal auto policies can be frustrating when it comes to selecting what liability limits to carry, whether to purchase uninsured motorist coverage, deciding about towing and rental, and which deductible should I choose for my comprehensive coverage and collision coverage. Oh, and by the way, should both deductibles be the same or should one be […]

What does it Cost to Insure a Jaguar?

cost to insure a Jaguar

Many vehicle owners across the U.S. consider their vehicle to be one of their most valuable assets, In fact, for those car owners who don’t own a home, that shiny new car parked outside might very well be their most valuable asset. Although you have to purchase liability insurance to register your car and purchase […]

What is Collision Insurance – Should I even buy It?

what is collision insurance

Collision insurance is one of those auto coverages that everybody thinks they understand but probably don’t. Most people know it covers their car if it’s damaged or totaled and that’s certainly true, but there’s more to it than that. A personal auto policy is a package of coverages with many options to buy or decline […]

Auto Insurance Quotes | Tested Hacks that Save You Money

laptop with home screen

Have you ever gone online to get auto insurance quotes and then had 11 agents call you during the day? If it’s happened to you, you’re certainly not alone. A lot of the online insurance quoting platforms are lead generation websites disguised as an insurance company or broker. These folks take your information and instantly […]

What Should it Cost to Insure a Subaru WRX?

Subaru dealer

For most vehicle owners, owning and insuring a vehicle can be an expensive proposition. Since your vehicle is an important asset, it’s smart to purchase the best coverage to protect that asset even if you have to pay a little more than you expected. When you purchase car insurance, your policy coverage isn’t just about […]

Liberty Mutual Car Insurance | Company Review

liberty mutual car insurance company review

Most independent insurance brokers who offer car insurance represent multiple companies so they will have various sources to find the best policy to meet the needs of their customers and prospective customers. Car insurance companies vary on how they distribute their products and it’s important to understand the difference between an insurance agent, (typically represents […]

American Amicable Group of Companies Review for 2020

American Amicable

American Amicable Insurance Company of Texas is a very unique life insurance company offering a full lineup of life insurance products.  We see American Amicable as a leader in the simplified issue marketplace. By simplified issue, we mean no medical exams are needed in order to qualify for life insurance. American Amicable can issue coverage […]

Costco Car Insurance | Product Review

Costco car insurance

Costco members can purchase a lot more than bulk food, clothes, and health and beauty aids. In fact, they’ve become almost a brick and mortar Amazon store. A lot of people really like the idea of shopping for a product at the store where they can pick it up, touch it, and in cases of […]

What Does it Cost to Insure a Volvo?

cost to insure a volvo

Besides helping you find low insurance rates for your Volvo, we also intend to help you find a trustworthy insurer that can provide you with all the coverages you’ll need and deliver outstanding customer service. All insurance companies promise insurance shoppers low rates, excellent rates, great claims service, and instant coverage, but not all can […]

Best Car Insurance for People Under 25 | Top 5 Companies

best car insurance for people under 25

If you are under 25 and own a car or are planning to buy one soon, you should know (if you don’t already) that your state will require liability insurance before they will allow you to register your car and get a tag. Since your liability premium is a large part of your total insurance […]

Stop! Read this before You buy Sports Car Insurance

sports car insurance

A lot of men and women see TV commercials showing sleek and high-performance sports cars and begin seeing themselves blast down a curvy highway while taking in a beautiful countryside or mountain road. Then, they remember that a sports car and three young children is probably an impossible option. Oh well. But some folks, especially […]

What Does it Cost to Insure a Ram Pickup Truck?

what does it cost to insure a Ram pickup trump

Pickup trucks are still very popular with U.S. drivers, even with the onslaught of SUVs and extended mini-vans. Although most farmers and ranchers may be skeptical using an extended mini-van with stow-in-go seats (a covered pickup truck), many are using the bigger SUVs with a utility trailer to get jobs done. There are a ton […]

What’s the Average Cost to Insure a Lexus?

average cost to insure a lexus

If you are purchasing a vehicle and considering a new or used Lexus; congratulations on your choice. It’s a good one. Lexus is a well-established luxury vehicle that is manufactured by Toyota. The brand was introduced to U.S. car buyers in 1989 with its LS 400 and ES 250 models. Lexus’ launch was probably one […]

List of Car Insurance Companies in the U.S.

list of car insurance companies in the U.S.

The car insurance industry in the U.S. is gigantic. Some carriers operate in all states but many do not. In fact, the car insurance industry is more divided than one might think. There are companies that insure just about any vehicle for personal use and then there are companies that will insure just about any […]

Gabi Insurance | Company Review

gabi omsiramce company review

The insurance industry has changed dramatically over the last two decades. And, in almost every case, it has changed for the better. No longer do we have to visit an agency to get quotes and buy insurance, or even get service or file a claim. Now, all communication is electronic and therefore quicker and more […]

Best Auto Insurance for Mercedes Benz

best auto insurance for Mercedes Benz

Typically, auto insurance for high-end vehicles like Mercedes and BMW cost much more because of the costs (parts and labor) associated with repairing and replacing luxury vehicles. For example, one might assume that the cost to replace a radiator on a Mercedes shouldn’t be any higher than the cost for a radiator on a Buick, […]

Best No Medical Exam Life Insurance For Seniors

no medical exam life insurance for seniors

We know it can be difficult to find a no exam life insurance policy as a senior. Life insurance is one of the best purchases that you’ll ever make for your loved ones. But what about once you’ve reached retirement age. Do you still need a life insurance plan? Are they affordable options for coverage? […]

Foresters Life Insurance | 2020 Company Review

Foresters Life Insurance Company Review

Organized as a fraternal benefit society, Foresters Life Insurance Company is not your run-of-the-mill life insurance provider. Offering life insurance, annuities, mutual funds, and other financial products to its members, this Toronto based insurance behemoth answers to its membership (policyholders) rather than Wall Street. To provide products and services in multiple countries, Foresters Financial currently […]

How Much Life Insurance Do I Need?

How much Life Insurance do I need

Aside from ensuring that you have the perfect insurance policy to fit your needs, it’s vital that you have enough coverage for you and your loved ones. Not having enough life insurance could leave your family with thousands of dollars of debts and other expenses that they don’t have the money to pay for. The […]

Best Homeowners Insurance Companies for 2020

best homeowners insurance companies for 2019

Homeowners Insurance, it’s one of those things you have to deal with even before you close on your home. If you are going to mortgage your home purchase, you have to have homeowners insurance before you come to closing. No discussion, period. The good thing and bad about insurance companies that offer homeowner’s insurance is […]

Tips To Help You Pass a Life Insurance Medical Exam

pass a life insurance medical exam

I can’t tell you how often my clients underestimate the importance of their life insurance medical exam and knowing this, we offer the tips to pass a life insurance medical exam. We are seeing more and more companies jump on the accelerated underwriting process where there is no exam at all.  Many of our clients […]

North American Life Insurance 2021 Review

North American logo

North American is a top choice for us.  They are rated A+ by AM Best and have a Comdex Score of 92. Our full review for 2021 is below. You should consider North American when deciding on what life insurance policy to buy.  A full portfolio to choose from including 10, 15, 20, 25 and […]

The Best Auto Insurance Companies | Rates and Value

best auto insurance companies for 2019

Over time, we’ve found that the best car insurance companies share many of the same traits when it comes to ease-of-purchase, customer service claims service, and pricing. One other trait they share is they do not have as many complaints posted about them on the internet. Certainly, we can’t believe everything we read on the […]

Ameritas Life Insurance Corporation | Company Review

Ameritas Life Insurance

Although Ameritas has been around since the late 1800s, many U.S. consumers are unaware of this insurance company and how far they’ve come. Originally established in 1887 as Old Line Bankers Life Company of Nebraska, like many insurers, purchases and buyouts have transformed the company into Ameritas Life Insurance Corporation which is now owned by […]

Lincoln Financial Group | Lincoln National Life Insurance Review updated for 2020

Life insurance is an integral part of most any complete financial plan. That’s because the proceeds that are received from these financial vehicles can be used for a wide variety of needs by loved ones and survivors, such as the payoff of debt and/or the ongoing payment of living expenses. In addition, life insurance can […]

Why Banner Life Insurance Company? Review updated for 2020

Banner Life Insurance Company is also known as Legal and General and they do business in the state of New York as William Penn Life Insurance. Banner Life Insurance is headquartered in Urbana, Maryland and the company is owned by Legal and General America. Banner Life Insurance Company has been in the insurance industry for […]

Six Compelling Reasons to Consider IUL in Retirement Planning

retirement planning

Many companies have started offering indexed universal life insurance (IUL) to their customers for implementing an IUL retirement account. Each IUL company is different. Each company has its own advantages and disadvantages that you should take note of when you’re shopping for coverage and considering indexed universal life insurance retirement. Although only in the marketplace […]

Lifetime Economic Acceleration Process | LEAP

lifetime economic acceleration process

Accumulating wealth for retirement can be stressful and confusing, there’s no doubt about it. Research reveals differing opinions, pros and cons, and scam declarations, with many articles pitching a product in the author’s conclusion. How do you know what you don’t know? We’ve previously discussed Look before you LIRP, the Power of Zero, the Volatility […]

Life Insurance No Medical Exam No Waiting Period

life insurance no medical exam

If you are looking for life insurance without having to take a medical exam, you will need to know which no-exam life insurance companies will give you the lowest rates. In order to qualify for life insurance, some companies will require you to go through a health underwriting process. Also known as a life insurance […]

Deferred Compensation Plans for Business Owners

deferred compensation plans

Whether you own a small, medium, or a large business, in today’s economy finding and keeping the best employees can be difficult. All business owners would like to believe that providing a great work environment where everybody enjoys working should be enough to hire and retain qualified employees that want to grow in your business […]

Do I need a Life Insurance Trust?

life insurance trust

If you’ve ever thought about retirement planning or purchased life insurance from a reputable agent or financial planner, chances are that “Life Insurance Trust” may have been part of the conversation. Although most people set up a trust as part of their estate planning, there are other reasons a trust would be financially beneficial to […]

What is a Premium Deposit Account?

premium deposit account

A Premium Deposit Account (also referred to as premium deposit fund) was designed for life insurance applicants who want to deposit a considerable amount of money in a life insurance policy that will earn interest and eliminate the possibility that the insurance policy could become a modified endowment contract (MEC). Since the PDA is a […]

Americo Financial Life Insurance Company Review updated for 2020

Americo Life Review

Formerly known as The College Life Insurance Company, Americo Financial Life and Annuity Insurance Company has been established for over a century. Headquartered in Kansas City, Missouri, the operation services its independent insurance agents and policyholders with the assistance of nearly 350 associates. U.S. consumers have the ability to purchase from the wide array of […]

Survivorship Life Insurance | What, When, Why, and How?

survivorship life insurance

Married couples have the option of buying individual life insurance policies or a joint policy known as survivorship or second-to-die life insurance. Although in most cases, an individual policy may be more appropriate, there are circumstances when survivorship life insurance is the better choice. Most people know what survivorship life insurance is, but are unsure […]

Finance Your Life Insurance Premium

finance your life insurance premium

Borrowing the money from a third-party lender to pay for a large life insurance policy is becoming more popular as lenders look to capitalize on this segment of business and insurance companies are certainly willing to accept premium financing. The purpose of financing life insurance premiums is pretty straightforward. The applicant wishes to purchase a […]

The Volatility Shield by David McKnight | Book Review

the volatility shield

THE VOLATILITY SHIELD How to Vanquish the 4% Rule & Maximize Your Retirement Income A Financial Novella by David McKnight   If you are a fan of David McKnight’s THE POWER OF ZERO or LOOK BEFORE YOU LIRP, you will probably love learning about retirement planning by reading the Financial Novella, The Volatility Shield. We […]

Estate Planning with Life Insurance

estate planning with life insurance

If you own anything, you have an estate; plain and simple. It doesn’t matter how valuable your estate is or how modest it may be, you have an estate that consists of various assets and you cannot take it with you when you die. If your estate is modest, like a car or home that […]

Zander Insurance Review

Zander Insurance review

First off, we are not Zander Insurance. This is our Zander insurance review which we consider fair and balanced. Most of the time when we publish insurance review articles, we focus on insurance companies and not insurance agencies. However, in this review article, we are going to drill-down into Zander Insurance, an insurance agency that […]

Modified Endowment Contract (MEC) | The Ins and Outs

modified endowment contract

In the many articles, we have provided regarding Indexed Universal Life Insurance, we have on many occasions mentioned the modified endowment contract but have not had an in-depth discussion. In this article, we are going to drill-down into the modified endowment contract (MEC) and discuss the ins and outs so that policyholders will understand whether […]

Should I Set Up a 7702 Plan?

should I set up a 7702 plan

If you think that your Social Security benefits will be sufficient for you to live on in retirement, think again. And regretfully, even if you are contributing to a 401(k) or IRA, you may feel a little safer but have you considered how your tax liability will impact your retirement nest-egg? The matter gets even […]

Look Before You LIRP by David McKnight | Book Review

look before you LIRP book review

Look Before You LIRP Why All Life Insurance Retirement Plans are Not Created Equal, and How to Find the Right One for You by David McKnight   Look Before You LIRP is an important follow-up guide for those who read David McKnight’s previous book The Power of Zero and for anyone who wants to learn […]

The Power of Zero by David McKnight | Book Review

the power of zero

The Power of Zero – How to Get to the 0% Tax Bracket and Transform Your Retirement by David McKnight In the Power of Zero book by David McKnight, the author lays out a well-devised strategy that will accumulate sufficient wealth for retirement and enable a tax-free income stream. Mr. McKnight uses a “three-bucket” strategy […]

How Does Life Insurance Work?

how does life insurance work

Most people have a vague idea of how life insurance works but generally they don’t understand the fundamentals of a life insurance contract and how the insurance company can make a profit when they are frequently paying out more than they’re taking in. To understand how life insurance companies profit from insurance contracts, you have […]

Clark Howard’s take on Life Insurance

Clark Howard and Life Insurance

When we review the numerous articles posted by Clark Howard concerning life insurance, it doesn’t take much reading to discover his take on the subject. It’s interesting that Mr. Howard’s opinion lines up pretty much with other celebrities (financial gurus) like Dave Ramsey and Suze Orman. What separates Clark Howard (in my opinion) from the […]

Collateral Assignment of Life Insurance to a Lender

bank of america sign

When most people think of life insurance benefits, they think of providing financial protection for their loved ones or using the cash value as an emergency cash fund. Some life insurance products like indexed or variable universal life are now being used as retirement planning alternatives because they can build significant cash value over time. […]

The 702(j) Retirement Plan Explained

702(j) retirement plan

Are you looking for an alternative to traditional retirement products? Have you found that when you look at the big picture, your IRA, 401(k), Roth IRA, or other retirement plans are not going to cut it when it comes time to begin taxable withdrawals? What about the IRS constraints that you have to deal with? […]

IUL for Emergency Physicians

IUL fpr emergency physicians

Emergency medicine is a huge category that can encompass many medical specialties. Emergency physicians remain in big demand and as such, they represent some of the top earners as medical professionals., a national database that tracks salaries of most groups of professionals reports that the average starting salary for an emergency physician is about […]

Why Urologists Should Consider IUL for Retirement Planning

computer 3343887 1280

Generally speaking, all medical professionals, including medical specialists like urologists, cardiologists, and pulmonologists, earn above average income. In fact, urologists, according to, fall in the group of highest paid medical professionals with an average salary of $300,000 to $350,000. When it comes to retirement planning, there are several issues that most highly-paid medical professionals […]

IUL for Neurologists

IUL for neurologists

Are you a highly-paid medical professional attempting to create enough wealth to live a comfortable and exciting life when you finally decide to retire? Have you experienced challenges with traditional retirement planning products like contribution limits and Required Minimum Distributions? How about the tax liability on your retirement income? Is that going to diminish your […]

Can I Buy Life Insurance if I have Hepatitis?

life insurance with hepatitis

When we apply for life insurance, there are three primary factors that determine the rate classification: our age at the time of the application, our current and previous health status, and the amount of life insurance coverage we wish to purchase. Certainly, the applicant’s health condition sits at the top of the underwriting concerns since […]

Advantages and Disadvantages of IUL for Internists

IUL for Internists

Internists, commonly referred to as “family doctors,” generally enter start practicing medicine after completing their basic internal medicine training. Since they practice general internal medicine, these physicians are considered general internists that are equipped to take on a large spectrum of adult illnesses. Internists are primarily known for their ability to diagnose their patients and […]

IUL for Gynecologists

IUL for gynecologists

Are your contribution restrictions on your retirement planning vehicles causing you to fall short of your wealth accumulation goals? Are you maxing out your 401k or IRA and still not saving and earning enough to guarantee a retirement lifestyle that you have been planning for? Would it interest you to know there is an investment […]

Indexed Universal Life Insurance (IUL) for Pediatricians

IUL for pediatricians

An Indexed Universal Life Insurance policy (IUL) is a permanent life insurance product with flexible premiums which contains a life insurance component and an investment component. Similar to other cash value life insurance, your premium is deposited in a cash account in your policy that is used to pay policy charges and fees, and then […]

IUL for Dermatologists | Yes or No?

IUL for Dermatologists

Like most medical professionals, dermatologists frequently face challenges with retirement planning because of the restraints placed on traditional retirement vehicles by the IRS. Whether medical professionals are contributing to a 401k or IRA the annual limit on contributions will likely have a negative impact on reaching the financial goals needed to live the lifestyle you […]

Indexed Universal Life (IUL) – Safe Solutions for Anesthesiologists

indexed universal life anesthesiologists

Many people who interact with an anesthesiologist (especially surgical patients) are not aware of how important their service is and that they are paid very well for keeping us asleep or numb during times of physical trauma. Anesthesiology is a specialty that requires considerable training and education. In most cases a candidate for this specialty […]

IUL for Cardiologists

IUL for cardiologists

Indexed Universal Life Insurance (IUL) is just one of many vehicles that are used in a comprehensive retirement plan. Yes, the IUL product is a life insurance product, but most of our physician clients who purchase an IUL, do so for retirement planning. Here, we’ll consider IUL for Cardiologists. We find in many cases that […]

Indexed Universal Life Insurance for Physicians

Indexed Universal Life for Physicians

High-income professionals like our physician clients have distinctive challenges to deal with when planning and saving for retirement. Most of our physician clients express their intent to live a lifestyle similar to the lifestyle they enjoyed when their practices started flourishing and the loans that were required to establish their practice were finally paid off. […]

Kai-Zen Premium Financing

Kai-Zen premium financing

Kai-Zen (meaning change for good) is a strategic method that enables you to continue a lifestyle that you enjoy if you were to unexpectedly come down with a chronic or critical illness, unexpectedly die, or are unable to save enough money for a comfortable retirement. In many cases, traditional retirement plans that are generally limited […]

Simplify Your Retirement with the IUL

Simplify your retirement with IUL

Unless you think you can live on Social Security, you’re likely saving in some fashion for retirement. The simple question for savers is: “are you aware of all the options available to you?” It’s important that you understand “how you save” is just as crucial as “how much you save” so understanding your options is […]

Fixed Indexed Annuities for Beginners

fixed indexed annuities

A fixed index annuity is an investment product that offers three guaranteed benefits for investors: The account will benefit from gains in the stock market You are guaranteed a minimum rate of return by the insurer Your investment is protected if the market goes down If you’re like most people, you may be thinking that […]

What is a Roth IRA and How can It Help Me?

Roth IRA

A Roth IRA is a distinctive investment product that has been approved by the government and offers tax-free withdrawals because your contributions have already been taxed. This investment has proven to be a legitimate long-term savings solution, particularly for young adults who are generally in a lower tax bracket now but will be in a […]

Protective Life Insurance | 2020 Company Review

Protective Life Insurance

The Protective Life Insurance Company offers a wide variety of life insurance products.  Very popular for term life insurance, Protective Life also offers universal life insurance, indexed universal life insurance, survivorship life and whole life insurance.  For most people, when they think of shopping for life insurance, the monthly premium plays a considerable part in […]

IUL versus Whole Life | Product Comparison

LIRP index options

As investors become more conservative after so much volatility in the market, many are turning to a tax-deferred saving strategy which typically leads to a cash value life insurance product. Life insurance products like Whole Life insurance and Indexed Universal Life (IUL) have begun to establish a significant foothold in the marketplace even though there […]

IRA to IUL Conversion | Similar to a Roth Conversion

IRA to IUL conversion featured image

Are you familiar with Roth IRA conversions? You can take advantage of the enormous potential of indexing to grow and develop your funds safely Take advantage of tax-free income via policy loans Take advantage of access to your funds without the impact of a market value adjustment. Create and leave a financial legacy for your […]

Whole Life versus Term Insurance | Check out the Differences

indexed universal life

I remember (a long time ago) when I was starting a family and I knew I needed life insurance. I called a friend of mine who had been in the life insurance business for about five years and asked him what he thought I should do. He replied: “do you want term or permanent insurance?” […]

Roth IRA vs. Indexed Universal Life | What’s the Best Choice?

indexed universal life vs 401k

Every financial planner you speak with is going to be adamant about how retirement planning is critical for all of us to maintain our financial security and plan for a standard of living that is realistic. And, we can certainly agree that the majority of Americans are concerned to some extent that they will be […]

4 Top Reasons for Buying 10 Year Term Life Insurance

10 year term life insurance

Most consumers know that term insurance is the most affordable life insurance coverage available in the life insurance marketplace. Term Life Insurance has become the go-to life insurance product for consumers who wish to replace the income for their family members in case they died unexpectedly. Term Life Insurance is the most common life insurance […]

How to Find the Best Whole Life Insurance Rates

no exam life insurance

For most people who know even a little about life insurance, most will agree that it seems like whole life insurance has been around forever. Whole life is the most common type of life insurance and includes the benefits and guarantees that large portions of the insurance marketplace looks for and depend on. Most of […]

Best Rates for 30 Year Term Life Insurance

best rates for 30 year term life insurance

Term Life Insurance is probably the most popular life insurance policy in the marketplace today, especially if you are a young adult and need a considerable amount of coverage. When we buy life insurance, whether it’s term life insurance (temporary) or universal life and whole life (permanent), the most important thing to consider is “why […]

20 Year Term Life Insurance – Top 3 Companies

20 year term life insurance

Most people know at least something about term life insurance. They typically understand that term is the cheapest life insurance available and they understand that it is considered temporary insurance. Because term life insurance is so affordable, it will usually fit within the budget of most Americans and can be used for many purposes: Replacing […]

Best Quotes for 15 Year Term Life Insurance

term life insurance

Term Life Insurance is considered to be the cheapest life insurance that a person can buy. Because of this, term life insurance is typically the most popular insurance product for young and middle-aged adults. Most insurance shoppers are aware that term insurance can be purchased for up to 40-year terms so it’s logical to wonder […]

Top Choices for Cheap Life Insurance

variable universal life insurance

Believe it or not, when you consider what you get for what you pay, life insurance is one of the few bargains in the marketplace. Think about it, a 30-year old male can start a $500,000 Term Life insurance policy for about $20 and then die the day after it’s issued, and his beneficiary will […]

What is a 1035 Exchange?

1035 Exchange

Most insurance professionals must deal from time to time with a client or prospective client that has life insurance, annuity, or endowment policy that is no longer a good fit for them. When this situation arises, the insured can exercise a 1035 exchange to a new policy.  This means they can transfer all of the […]

CMFG Life Insurance – Company Review

CMFG Life Insurance

Columbian Mutual Financial Group (CMFG) which is a subsidiary of Columbian Mutual Life has roots that go back more than 130 years now. This financial conglomerate has always targeted and serviced hard-working families to help them manage their everyday financial needs. The company originally started out as the American Protective Association and operated from their […]

USAA Life Insurance – Company Review

USAA life insurance

Certainly, when considering life insurance for you and your family, premiums will play a major role in your purchase decision. However, price alone should not be the only factor that impacts your buying decision. Most U.S insurers receive positive ratings from insurance watchdogs but it’s still important that you are careful about who you choose […]

The Infinite Banking Concept | Becoming Your Own Banker

bank of america sign

The Infinite Banking Concept enables individuals, families, and businesses to develop financial independence by becoming your own banker. This concept was implemented by R. Nelson Nash in the early 1980s when he was dealing with unfavorable interest rates on several commercial loans. The story is that Mr. Nash experienced an epiphany when he suddenly realized […]

The 2021 Complete Guide to Mortgage Protection Insurance

mortgage protection insurance

If you have recently closed on a home loan, it’s likely that you’ve received several notices about Mortgage Protection Insurance. Did you read them or throw them away? If you opened your letters, you are probably curious about this insurance called “Mortgage Protection Insurance” and have ended up online to get more information. To be […]

The Term Life Insurance Conversion Option

the term life insurance option

With Term Life Insurance rates being lower than ever before, there’s no wonder that so many policies are sold today, especially for consumers who need a very large death benefit in order to replace their income. Term life insurance rates are much lower than whole life, indexed universal life and universal life because the mortality […]

Best Indexed Universal life (IUL) Companies in 2020

indexed universal life

Indexed universal life insurance was created back in 1997 by Transamerica.  We now have more than 20 years of IUL history to draw from. We are still excited about using indexed universal life insurance as a way to accumulate cash on a tax-deferred basis and take an income stream on a tax-free basis. We have […]

Washington National Insurance Company Review

Washington National Review

Beginning in 1911, Washington National Insurance Company has been diligent in protecting families from the financial burden that often accompanies accidents, critical illnesses, and death.  Their supplemental health and life insurance plans are available to provide you and your family with peace of mind. Washington National requires that their employees embrace the company’s key values […]

Mutual Trust Life Insurance Company Review [Pan-American Life]

Mutual Trust Review

Beginning long ago in 1904, Mutual Trust Life Insurance Company has been providing life insurance policies to U.S. consumers for over a century.  During that time, the company grew and expanded rapidly.  Today, Mutual Trust Life sells insurance and annuities in nearly all of the states in the U.S., including the District of Columbia. Today, […]

Knights of Columbus Life Insurance Review

knights of columbus review

As one of the most well-known names in the industry since 1882, The Knights of Columbus was founded by Father Michael J. McGivney in New Haven, Connecticut.  Starting in St. Mary’s Church basement, the Knights of Columbus has continued to flourish through the years while offering excellent options for life insurance. The organization was started […]

Sagicor Life Insurance Company Review

sagicor life review

Founded in 1840, Sagicor Financial Corporation was originally known as The Barbados Mutual Life Assurance Society.  Throughout the latter part of the 1800s, the company grew to include many of the Caribbean Islands, while continuing to invest with the British Empire, Norway, Argentina, Japan, and the United States. In 2002, Sagicor became a demutualized life […]

LIRPs for the Average Joe

LIRPs for average joe

You are probably reading this because someone suggested that you look into a LIRP to help with retirement planning. It was probably an insurance agent with a tax-free retirement pitch. We feel that LIRPs or better known as a Life Insurance Retirement Plan can be a great supplement to your retirement income. Historically, LIRPs have […]

Voya / ING Reliastar No Longer Selling Life Insurance | What Should You Do?

Voya Reliastar ING Logo

Voya No Longer Selling Individual Life Insurance Breaking News for Voya life insurance policyholders: Voya CEO Rodney O. Martin announced during an earnings call Tuesday, October 30, 2018 that the company will discontinue selling life insurance policies to individuals to focus on more profitable segments.  Voya Financial will now adjust their focus on retirement, investment […]

Prudential Financial Life Insurance

Prudential life insurance review

For nearly 140 years, Prudential Financial, Inc, commonly referred to as Pru or Prudential has been maintaining its status as an excellent company offering insurance and financial services worldwide.  The goal of the company includes assisting individuals and businesses with growing and protecting their wealth.  Considered to be one of the leading financial services institutions […]

The Pros and Cons of Life Insurance Retirement Planning (LIRP)

LIRP pros and cons

As we have mentioned before and will discuss again, a life insurance retirement plan or LIRP is a robust financial planning vehicle used by consumers of all walks of life to build their own private pension plan.  With the uncertainty of social security and fewer and fewer employer sponsored retirement plans, a LIRP is a […]

SGLI – Servicemembers’ Group Life Insurance

SGLI - Servicemembers' Group Life Insurance

For anyone considering a stint or career in the military and worried about life insurance, worry no more. Servicemembers’ Group Life Insurance (SGLI) is a life insurance program designed for U.S. service members who are on active duty or reserve members. When an individual enters the service, they are automatically enrolled in SGLI and begin […]

IUL – Used For Retirement?


Shopping for life insurance coverage, specifically indexed universal life insurance, can be a tough decision. When you decide to use IUL for retirement planning, you are usually making a choice that will last a lifetime. There are many companies offering indexed universal life insurance.  With so many IUL plans to choose from, you really need […]

FEGLI – Federal Employees’ Group Life Insurance


On August 29, 1954, the Federal Government sanctioned and established the Federal Employees’ Life Insurance Program which is commonly referred to as FEGLI. Since then, the FEGLI program has become the largest group life insurance program and is covering more than 4 million employees and retirees of the Federal Government, as well as most of […]

AICPA Life Insurance Trust | Prudential Life Insurance Company

AICPA life insurance

The American Institute of Certified Public Accountants (AICPA) has roots going back to 1887. Since then the association has gone through several name changes and membership rules until finally settling on the American Institute of Certified Public Accountants in 1957 and limiting membership to only certified public accountants. Here, we’ll discuss the AICPA Life Insurance […]

Guaranteed Universal Life Insurance

guaranteed universal life insurance

Permanent life insurance has been devised to last your entire life (lifetime guarantee) and to provide your beneficiary a payout once you die. Unlike term life insurance, guaranteed universal life insurance, or GUL, will stay in force forever or as long as you pay your premium.  Your premium is guaranteed not to increase and your death […]

Transamerica Life Insurance | Company Review

Transamerica logo

We give Transamerica life insurance the green light.  They have excellent ratings from AM Best.  They have term life insurance, simplified issue whole life insurance and indexed universal life insurance. Life insurance is the foundation of any good, solid, financial plan. One of the biggest reasons for this is because the proceeds that are received […]

How Does Life Insurance Work?

what is life insurance

In simple terms, life insurance is a contractual agreement between a consumer and an insurance provider.   The insured agrees to pay a specified amount of money, known as the premium, either monthly or annually for a set amount of time.  In return, the insurer agrees to pay the policyholder’s named beneficiary a specified sum of […]

Haven Life Insurance Review

Haven Life Review

Dealing with most traditional life insurance companies often means complicated paperwork and longer than normal wait times for approval. However, Haven Life Insurance Company expedites the application process by approving consumers in just a matter of minutes. Haven Life is known as a leading online life insurance provider that uses advances in technology in order […]

Contingent Beneficiaries, Why Do I Need One For My Life Insurance Policy?


While you may not be able to take your assets with you once you die you do have the capability of creating an estate plan to leave your assets with your family and loved ones using a life insurance policy, trust, will, or other legal entity.   In the case of a life insurance policy, you […]

Will You Pay Taxes On Life Insurance

is life insurance taxable

Death benefit proceeds from life insurance are customarily tax-free lump-sums of money paid out to your beneficiaries. Unfortunately, there are times when they might be subject to taxation, such as when they exceed a specified threshold or when they’re paid out in installments. The best way to ensure financial security is through a life insurance […]

Life Insurance For Diabetics

life insurance for diabetics

Can I get life insurance if I have Diabetes? There are many myths about diabetes. These myths stand in the way of the facts about this very serious and sometimes deadly disease. These myths often stand in the way of families obtaining the life insurance they need because they think a diagnosis of diabetes means […]

Affordable Life Insurance for Tobacco Chewers

affordable life insurance for tobacco chewers

Are you a smokeless tobacco user? Maybe you got started watching your dad or grandpa, or maybe you played some high-school baseball. In fact, a lot of cigarette smokers find the only way to give up smoking is to turn to chewing or dipping to satisfy their cravings for nicotine. Certainly, anytime a cigarette smoker […]

Primerica Life Insurance Review

Primerica Office Building

Primerica Life Insurance, or Prime America as its often called, is one of the leading providers of term life insurance for millions of consumers.  Regarded for its services, financial solutions, and life insurance, Primerica’s name has become well-known.  The structure of the carrier, however, is unparalleled in the manner in which it sells its products […]

Affordable Life Insurance when You Smoke Cigars or a Pipe

Cigar and pipe smokers

Cigar and pipe smokers face an issue in their efforts select a term insurance policy that will be suitable to their circumstances and needs. Cigars are certainly not the same as cigarettes and most individuals don’t think of it as smoking when you enjoy a cigar or smoke a pipe on occasion. The issue is […]

Gerber Life Insurance Company Review

Gerber Life Insurance Company Review

Even if you have not had children, chances are that you’ve heard the name Gerber.  This large American company is also known to provide life insurance through their insurance department referred to as Gerber Life Insurance.   In fact, Gerber Life Insurance is an excellent carrier due to their great life insurance product line and their […]

Cincinnati Life Insurance Company Review

fixed indexed annuities

Even though most individuals don’t like to think about life insurance, the fact is that it’s a very important part of your financial plan.  The benefit from a good life insurance policy can make all the difference between your loved ones struggling financially or moving on with their lives once you’ve passed on. In fact, […]

Principal Life Insurance Company Review

Principal Life Insurance Company

The Principal Financial Group is the world’s leading financial service groups.  Principal offers both insurance and financial products to businesses and consumers worldwide.  They have made a name for themselves by bringing affordable options and reliable policies to more than 18 million customers while providing services for consumers at a time that they need it […]

AARP Life Insurance Review

AARP Life Insurance Review

A common question asked by most shopping for life insurance is whether AARP is a life insurance provider. The short answer is no, AARP is not an actual life insurance provider. AARP is, in regards to life insurance coverage, a marketing organization focused on selling its brand image to the highest bidding insurance provider. Presently, […]

A Review of United Home Life Insurance Company

United Home life review

United Home Life insurance company is highly regarded in the impaired risk and final expense marketplace.  As a matter of fact, diabetics do very well finding life insurance coverage at UHL. When it comes to purchasing life insurance, there are some important criteria that you will want to consider – the type of policy you […]

Our review of Columbus Life Insurance Company

Columbus life review

When purchasing life insurance, there are some important factors to consider, such as the type of policy you desire and the life insurance coverage amount your situation requires. Additionally, it’s also important to know the company’s financial strength and stability.  In the event that your family wishes to file a claim following your passing, you’ll […]

The Ultimate Guide to Indexed Universal Life Insurance

Ultimate IUL Guide

Transamerica introduced the first Indexed Universal Life (IUL) insurance in the late 1990s, and since then it has grown to be over 50% of all of the Universal Life insurance premium in force and over 20% of the total premium for individual life insurance.  While Indexed Universal Life insurance or IUL has become a widely […]

Review of Equitrust Life Insurance Company

Equitrust life review

Purchasing life insurance is one of the most important investments one can make during their lifetime. Equitrust life insurance company does not have the best ratings and product selection is limited.  They have some great single premium life insurance options available, but that is about it. When examining the life insurance products available, it’s also […]

Mutual of Omaha Life Insurance Company | Company Review

Mutual of Omaha Life Insurance company

Mutual of Omaha got its start over a century ago in 1909, and at that time was named Mutual Benefit Health & Accident Association.  Within 10 years, the company then combined their work with Omaha Health & Accident Association, allowing them to take on more 3,000 clients.  Over the course of the next 30 years, […]

Midland National Life Insurance Company | Review

Midland National Life Insurance Company | review

With the vast amount of life insurance companies available today providing coverage, it can be overwhelming when shopping around for life insurance. An insurance company that manages to stand out from the rest is Midland National Life Insurance Company.  Known for their quality coverage, commitment to their policyholders, and financial strength, they have become a […]

Accordia Life Insurance Company Review

Accordia Life Insurance Company

Important in everyone’s financial portfolio, life insurance helps to protect loved ones from having to foot the bill for final expenses and other expenses that come along with the unexpected occurs.  Life insurance helps to keep your loved ones safe from financial hardship during an emotionally difficult time. When purchasing a life insurance policy, it’s […]

Fidelity Life Association | Company Review

Fidelity Life Association

Like most insurance products, life insurance is an important product to carry.  Despite the fact that most individuals don’t’ want to reflect on their own mortality, the more frightening realization is the scenario of what would happen to their loved ones financially if the worst were to happen.  Fidelity Life Insurance Company can provide you […]

National Life Group | Company Review

National Life Group

Our review of National Life Group for 2019. When searching for the most appropriate and beneficial life insurance policy, it’s important that you find adequate coverage at an affordable price.  Other important factors that you want to keep in mind are the life insurance carrier’s financial stability and strength because this demonstrates a company’s ability […]

AAA Life Insurance | Company Review

AAA Life Insurance Company

Although most people in the U.S. are familiar with AAA Insurance because of their Motor Club, the company is in the life insurance business too. Not as just a referrer like other companies, rather they are an actual life insurance company that deserves a look from consumers looking for financial protection. Here, we’ll drill down […]

What does life insurance cost at age 69

Life insurance at 69

Many people are not sure that they need life insurance at age 69. There are many common questions. “Why do I need it at all?” … “Won’t it be expensive?”  “I just don’t have the time.” Number one ….you need life insurance if people rely on you and your income. Number two … You still […]

Is Critical Illness Insurance Really Worth The Cost?

IUL for gynecologists

What would happen if you were diagnosed with a serious medical condition?  Would your health care insurance cover all of your expenses?  Out-of-pocket medical costs are rising, so purchasing a policy that covers those expenses that might not be covered by your health insurance seems like the logical choice. These policies are known as critical […]

Critical Illness Insurance For Beginners

the basics of critical illness insurance

According to a recent publications, Americans are living longer as the rates of death from heart attack, cancer and strokes are declining. Despite the fact that mortality rates have fallen for many serious medical conditions, critical illnesses and the out-of-pocket expenses related to them can easily lead someone into bankruptcy. If you do not have […]

Which Insurance Companies offer Critical Illness Insurance

Top Ten Insurance companies offering Critical Illness Insurance

Nearly every single person has been touched by a critical illness at some point in their lives, either directly or to someone they know.  This can amount to an enormous financial burden as the bills continue to accumulate.  Medical bills aside, expenses required for daily living continue as well, such as insurance premiums, vehicle payments, […]

Should You Consider Critical Illness Insurance?

what is critical illness insurance

If you’re one of the fortunate ones, you’ve never considered whether you should purchase critical illness insurance.  Quite possibly, you may not even know what it is.  Most policyholders believe they’re fully covered with their standard health insurance policy, however, the outrageous costs of treating critical illnesses are most often well beyond what their plan […]

Life Insurance cost at age 39

Life insurance at 39

At age 39, you can still get very affordable life insurance rates. Term life insurance is still very cheap and it may be a great time to consider permanent life insurance. Life insurance premiums rise more and more steeply as you get older and any health issues you may develop will also ramp up your […]

Life insurance at 74

Life insurance at 74

Health issues are very common as we get older, so the risk to your loved ones is becoming greater. Life insurance at age 74 could be more affordable than you think, and often a short term policy with a small face value and reasonable premiums can meet the life insurance needs of someone in their […]

Critical Illness Insurance – Just the Facts

critical illness insurance

Critical illness such as heart attack, cancer or stroke can strike any of us at anytime. Most of us will survive this critical event and go on to live a full life. Critical illness insurance can pay a lump sum cash benefit at your first diagnosis of a covered illness. These cash benefit dollars can […]

Term Life Insurance rates for 35 year old males and females (Updated 2021)

Life insurance at 35

Many couples first seriously consider life insurance in their mid-thirties. You are old enough now to know that unexpected tragedy is a reality you want to be prepared for. Building a future for your family is the most important thing you do and you want to make certain that the future you envision for your […]

What is Critical Illness Insurance and Chronic Illness Insurance?

chronic illness benefits

If you were to be diagnosed with a chronic or critical illness would you have the resources available to make certain that you and your family can manage your disease financially? Even if you have the best health insurance in the marketplace, have you thought about the related financial costs that come with a debilitating […]

Costco Life Insurance Review

costco wholesale

Did you know that you can buy your life insurance at Costco and get a 20% discount.  That is if you are a Costco member. Protective life is the issuing life insurance company.  We like Protective life and give them a thumbs up. The wholesale club giant, Costco offers more than great deals on groceries, […]

AIG American General Life Insurance Company Review

AIG Logo

We rate American General as a solid company with high ratings and ease of doing business.  Term life insurance rates from American General are very competitive.  They have an excellent indexed universal life insurance policy and a guaranteed universal life insurance policy that offers critical illness benefits.   American General Life Insurance is owned by […]

State Farm Life Insurance Company Review

SF review

We reviewed State Farm and they are a winner.  As the slogan goes: Like a good neighbor, State Farm is there. State Farm is one of the leading providers of life insurance nationwide.  They have one of the best whole life insurance policies available. Unfailing customer service appears to be one of the company’s top […]

Should You Replace Your Life Insurance Policy?

life insurance policy replacement

Should you replace your life insurance policy? Your current term life insurance policy is running out and premiums are increasing You had a baby You bought a new home and have more debt You are retiring You find a cheaper policy You quit smoking or using tobacco Your health has improved since you purchased your […]

The End of the Life Insurance Medical Exam

end of life insurance exam

The way we buy life insurance is changing fast.  And for the better. Many life insurance companies are now underwriting life insurance policies through an accelerated underwriting process.   Providing urine and blood samples, getting weighed on the scale, and getting your blood pressure checked has always been a roadblock when trying to buy life insurance.  […]

What Happens In A Life Insurance Medical Exam?

life insurance medical exam

Relax.  Your medical exam for life insurance will not hurt.  It’s an easy process that will possibly save you thousands of dollars on your life insurance policy over time. A life insurance medical exam allows the life insurance company that you are applying with to evaluate your health, your lifestyle, as well as your medical […]

Can I Get Life Insurance With No Medical Exam?

no exam life insurance

Many of our life insurance companies offer life insurance with no need to complete a medical exam. The amount of life insurance you can get without an exam varies from company to company. The most life insurance you can purchase without an exam is $2,000,000. Life insurance is one of the best investments that you’ll […]

Assurity Life Insurance | Company Review

term life insurance

Are you the kind of consumer who makes decisions based on what family and friends recommend or maybe even television commercials about a product or service you’re interested in? Or are you a consumer who takes care of doing their own research so you’ll feel confident about your purchase decisions? Either way, you’re in the […]

Life insurance at age 40

life insurance at 40

When you apply for life insurance, the company is going to review dozens of different factors to determine how much they should charge you every month. It’s important to ensure that you’re getting the best plan at the lowest rates. Life insurance is one of the most important investments that you’ll ever make for your […]

William Penn Life of New York | Company Review

William Penn Life Insurance

Our review of William Penn Life insurance. Only if you live in New York. If you are in any other state you would use their sister company Banner Life. It’s certainly understood how discouraging it can be attempting to locate a reliable life insurance company review when you typically find reviews on one end of […]

Progressive Life Insurance | Company Review

Progressive Life Insurance

It makes sense that since Progressive is a major player in the property and casualty insurance market that you can trust them to be a leader in the life insurance market, right?   But does Progressive even offer term life insurance? Progressive doesn’t sell convertible term life insurance at all. They claim to have the best […]

Genworth Financial Life Insurance Company


Just so you know before reading this entire article, Genworth Financial life insurance no longer offers life insurance.  They have stated that their focus will now be on Long-Term Care insurance.   Yes, we can help you with your Genworth policy. Genworth Life stopped offering life insurance in 2016.  Yes, we have many customers whom […]

Pacific Life Insurance Company Review

pacific life logo

Founded in 1868 by former California Governor Leland Stanford, Pacific Life Insurance Company has grown to a Fortune 500 Company. The company eventually moved their headquarters to Newport Beach, California, a bustling seaside city of over 85,000 and remains there today. Pacific Life has steadily increased its footprint in the U.S. insurance industry and as […]

Geico Life Insurance | Company Review

Geico life insurance review

Have you tried to get a Geico life insurance quote lately? Geico is not just a car insurance company. Geico doesn’t really offer life insurance but they are able to offer policies from many of the best life insurance companies available. You can actually see rates for the Geico life insurance companies here:     […]

Suze Orman is wrong about life insurance

Suze Orman is wrong about life insurance

As an insurance professional with over 25 years experience in the industry, I often have to chuckle and grin when I come across pages of advice from so-called financial advisors/TV personalities like Suze Orman.  Suze has a true dislike for whole life and IUL insurance.  We agree that whole life insurance and indexed universal life […]

Dave Ramsey May Be Wrong About Life Insurance

what Dave Ramsey says about indexed universal life

For those of you familiar with Dave Ramsey and his opinions about life insurance, you may find it interesting that he’s not licensed to sell life insurance.  It is kind of funny when people ask me if we have The Dave Ramsey Life Insurance plan? Since Ogletree Financial is a life insurance broker for all […]

E-Cigarettes or Vaping may increase life insurance rates by 100%


Vaping and e-cigarettes can increase your rates for life insurance if you apply with the wrong company. Although there is no term like vaping life insurance, you can certainly buy life insurance if you vape. Intended to reduce the dependence on cigarette smoking, vaping is a flourishing trend among smokers.  However, even though vaping has […]

Debunking the myth that IUL is expensive

is iul expensive

“ Life Insurance – The Most Expensive, can be the Best Life Insurance you can Buy!” A great example from Louis Labash on just how expensive IUL really is.  Once you understand what indexed universal life insurance is all about, you will be able to make better choices. Meet Joe, he is Considering buying Life […]

Symetra Life Insurance Company Review

symetra life insurance

There are many reasons why people purchase life insurance. For some, the proceeds are intended for paying off debt and / or for replacing the income of a primary income earner, while for others, the key goal behind such a purchase is to ensure that loved ones don’t have to dip into savings in order […]

4 Reasons to Buy IUL In Your 20’s – 30’s – 40’s or 50’s

life insurance for spouse

Life insurance is one of the best products that you’ll ever purchase for your family, but it may not be one of the best investments that you’ll ever make. It can be confusing because of all the different options available. The life insurance market is constantly changing, and there have been several new kinds of […]

What Is Guaranteed Issue Life Insurance?

What is guaranteed issue life insurance

Life insurance is one of the most important purchases that you’ll ever make for the future of your family. There are dozens of different factors that you’ll have to consider when trying to find the perfect policy to protect your family. If you have health complications or any pre-existing conditions, it could be difficult to […]

What Kind of Life Insurance Should I Buy?

what type of life insurance to buy

It’s hard at first to understand all of the different life insurance plans, varieties, and carriers available in the life insurance marketplace. So it’s important to do your own research but also reach out to advisors and agents who work in the industry on a daily basis so that you find the best policy for […]

Life insurance at 62

Life insurance at 62

Life insurance in your sixties is as important as it is when you are in your thirties. The financial obligations you have now are just as important as the ones you had then. Life insurance at 62 is how you can be sure that the plans you have worked hard for, year after year, are […]

Life insurance at 58

Life insurance at 58

Life insurance at 58 can be a bit confusing at times. Even the basics are not certain for many people. Chances are you are here because you are concerned about your family’s financial well-being if you were to pass unexpectedly. Keep reading and we will flesh out some of the basics — Including how much […]

4 key features of Indexed Universal Life for College Planning

indexed universal life or a 529 plan

There are many reasons that you may plan for your death, one being the provision of an income for those that you love so that they are able to maintain their standard of life. There are different types of life insurance but typically the common goal is this death benefit protection. Many people are surprised […]

Indexed universal life or a 529 plan?

indexed universal life or a 529 plan

Even in this age of online education and wild business success stories told by dropouts who are making millions, nothing can beat a good, well-rounded college education. Sadly, nothing can beat the prices of a good, well-rounded college education either. College tuition is rising steeply and there’s no sign the climb will stop. You may […]

Life Insurance for Smokers

life insurance for smokers

Quick fact:  Life insurance costs more for smokers.  Here is how you can get cheap life insurance for smokers. This includes cigarettes, pipes, cigars, e-cigarettes, vaping, or even marijuana. Because life insurance is expensive if you smoke, this article is all about life insurance for smokers. When you apply for life insurance coverage, there are […]

Using indexed universal life for executive bonus plans

indexed universal life for executive bonus plans

In today’s world, changing jobs is not a monumental undertaking. The concept of staying at one job for 30-years is pretty are. In fact, the average person will change jobs anywhere from 10 to 15 times during their career. Most Americans works will spend less than five years at every job. If you’re looking for […]

Should I Buy Indexed Universal Life?

buy insurance online

When you’re shopping for life insurance, there is no shortage of options. In fact, most people would say there are way too many. One option is to buy an indexed universal life insurance plan. These policies have several unique benefits that are not offered by another type of life insurance plan. One question I get […]

Little known secret to get more pension income at retirement

more pension income at retirement

Life insurance can be a complex and confusing purchase. There are dozens of reasons people buy life insurance. It can fit many needs and goals. For a long time, life insurance has been used in pension planning. When deciding what pension option to take, many times life insurance can pay a huge role. Using life […]

Indexed universal life vs. buy term and invest the rest

buy term and invest the rest

In the retirement planning marketplace, the ‘indexed universal life insurance vs. buy term and invest the rest’ debate continues. The proponents of indexed universal life (IUL) are typically insurance and retirement planning professionals. The proponents for ‘buy term and invest the rest’ are typically media personalities that believe in living debt-free and are selling some type […]

Funding buy sell agreements with indexed universal life insurance

buy sell agreements with indexed universal life

Previously on this blog, we’ve touched upon using indexed universal life for some seemingly unconventional purposes such as retirement planning and mortgage protection. One of the other things indexed universal life insurance policies are commonly used for is funding buy-sell agreements between two business owners. Let’s examine some reasons why more business owners should follow […]

Why Do I need Life Insurance?

young family

Why do I need life insurance is a question I get a lot.  Life insurance is normally not a hot topic of conversation until someone we know has died unexpectedly and does not have any.  Their loved ones are left behind without the income or personal contributions that person brought to the family.  The absence […]

American National Life Review

american national review

If you have people in your life that you care about, then it is likely that you need life insurance. With the proceeds from a life insurance policy, loved ones and survivors can ensure that they do not fall into financial hardship, and an already difficult time in their lives. That is because life insurance […]

Penn Mutual Review

Penn Mutual logo

Life insurance is part of most all good financial plans. One reason for this is because the proceeds from a life insurance policy can be used for many different business or personal needs of one’s survivors. In addition, these proceeds are received free of income taxation. Before purchasing a life insurance policy, however, it is […]

Minnesota Life Review

minnesota life insurance company

Life insurance is a key component of many good, complete financial plans. This is because the proceeds that are received from a life insurance policy by survivors are obtained free of income taxation, and these funds can be used for a wide range of unique needs. Those who are planning in both the personal or […]

Life Insurance At 59

Life insurance at age 59

Do you think 59 is too old to consider life insurance coverage? Do you think life insurance at 59 will be too expensive? Well, you have not waited too long and as you will see, life insurance at 59 can indeed be very affordable. We have insured clients of all ages who knew that they […]

Can I Get Life Insurance After Heart Valve Replacement?

Can I get insurance after heart valve surgery

Absolutely! Many people go on to live long and healthy lives after heart valve replacement surgery. The success and reliability of heart valve surgery are steadily improving as is the long-term prognosis for patients. Getting life insurance after heart valve replacement does require some extra effort. This is the same concept for other forms of […]

Keys To Getting Life Insurance After Heart Bypass Surgery

Keys to getting life insurance after heart bypass surgery

When you apply for life insurance, the company is going to look at dozens of different factors to determine how much they are going to charge you or if they will accept you for coverage in the first place. There are going to look at everything from your health to your job. Getting life insurance […]

IUL at 35: Why it Makes Sense

IUL at 35: why it makes sense

Wow! How time flies! Seems like just yesterday that the real world would open its doors and say here I am, come and get it. Well, age 35 in my opinion is still young. For those that have been slow to find their perfect fit in this land of opportunity, time is still on your side, especially when […]

3 Great Reasons to Buy Indexed Universal Life When You are 50

3 Great reasons to buy Indexed Universal Life when you are 50.

Life insurance is one of the best investments that you’ll ever make for your loved ones. It’s one of the only ways that you can ensure that your family has the money that they need, even if something tragic were to happen to you. While life insurance makes an excellent safety net, there are a […]

Indexed universal life at age 44 – Great Deal

Indexed Universal Life at age 44 - great deal

Life insurance is one of the most important purchases that you’ll ever make for your loved ones. It’s one of the only ways that you can ensure that your family will have the money that they need, even if something tragic were to happen to you. There are a lot of people that want to […]

Indexed Universal Life Insurance at 43 – Never Too Late

Keys to getting life insurance after heart bypass surgery

Tony and Gwen purchased indexed universal life insurance also known as IUL insurance at age 43, here is why… Tony was 43 years old when his oldest brother passed away.  That day, Tony knew he and his wife Gwen needed some life insurance.  The death was sudden; it was nothing any one in his family […]

Indexed Universal Life at age 42 – Go For It!

Indexed Universal Life at age 42 - go for it!

When you’re looking to buy life insurance, it can be a confusing and frustrating process. There are several different types of plans that you’ll need to choose from. At Ogletree Financial, we want to provide you with all of the info you need to make wise insurance decisions. When purchasing indexed ul for supplemental retirement […]

Indexed UL at 40? You Bet!

Indexed UL at 40 - you bet!

Life happens. Fast. One day you are making decisions on a career after high school and the next you are discussing a budget for the quickly approaching retirement years. Between a mortgage, a couple vehicles, and raising children, life insurance can easily be pushed to the side in order to spend money elsewhere. Before you […]

Life Insurance at 38

Life insurance at 38

You may have heard that life insurance premiums at thirty-eight will break your budget. We are here to tell you that is just not true. Life insurance at 38 is a wise and affordable investment. If you’ve been avoiding getting life insurance because of the cost, this article is going to leave you with no more […]

Life Insurance at 37

Life insurance at 37

As people start hitting their 30s, they start thinking about the future and their financial security. You are right on time to make this important move to secure your family’s financial future. Life insurance at 37 is a good call, the premiums are still very affordable. You have set out to work hard and provide security […]

Term Life Insurance at 36 (Updated in 2021)

Life insurance at 36

Let’s look at some term life rates for 36 year old males and females.  We have many clients in their mid to late 30’s just starting on the life insurance shopping journey.  Mortality gets a little more real every year, you are no longer bullet proof.  You may have a family at home that depends […]

Term Life Insurance at age 34 (update rates for 2021)

Life insurance at 34

Getting life insurance while you are still young is important. Yes, thirty-four is definitely still young and life insurance companies know that. Life insurance will never again be more affordable for you than right now.

Benign Breast Conditions, and Life Insurance?

Benign breast conditions and life insurance?

Many women (and a few men! — more about that later) develop benign breast conditions during their lives. The Emory Healthcare website states that “although benign breast conditions are not life-threatening, they may cause bothersome symptoms and are occasionally associated with a higher risk of developing breast cancer in the future. Management of such findings […]

Term Life Insurance Rates at Age 32 (Updated for 2021)

Life insurance at age 32?

Do you want to protect your family, regardless of what happens in the future? The best way to do that is to purchase life insurance coverage. Life insurance is the best safety net that you could ever purchase for your family. We see a lot of young families, in their early thirties, looking to buy […]

Life Insurance rates at age 31 (Updated for 2021)

Life insurance at age 31.

You’re in your 30s now. Your life is probably very different than it was when you hit your 20s. You have more responsibility, and you probably have a family. You’re making more money, you might have a mortgage payment. What does all of this mean? It means you need life insurance! Don’t just assume you […]

Life Insurance With Stents: Easier Than You Think

Can I get life insurance after heart valve replacment

When you apply for life insurance coverage, there are dozens of different factors that the insurance company is going to review. They are going to look at everything from your job to your health. If you have any pre-existing health complications, then you can expect to get higher premiums, but that doesn’t mean that you […]

Life Insurance at 45

Life insurance at 45

Forty-five and here you are with a growing family and mounting financial responsibility. Protecting those you love and the life you are building together is more important than ever. Life insurance at 45 is a smart way to secure your family’s financial future. If you are worried about the cost of life insurance at 45, […]

Life Insurance at age 30 (Rates Updated for 2021)

Life insurance at 30

Many 30 year olds are starting families and just beginning the portion of their lives when they will raise children, and build their fortune, so to speak.  We make buying life insurance easy.   Protecting your hard-earned quality of life and the financial security of the ones you love the most has now become an important […]

Life Insurance at age 55

Life insurance at age 55.

Life insurance is one of the most important purchases that you can ever make for your loved ones. It’s one of the few ways that you can ensure that your loved ones will have the money that they need, regardless of what happens to you or your loved ones. The older that you get, the […]

Life Insurance at age 50

Life insurance at age 59

Congratulations, you’ve made the big five-oh! You’ve accomplished a lot in half a century, mainly supporting a family you love and who rely on you for financial support and a lot more! Life insurance at 50 will protect your family’s financial future and your peace of mind. Many in their fifties are sure life insurance […]

Life Insurance at age 75

Life Insurance at age 75

As an older applicant, you might have some health problems. Regardless of your age or your overall health, there are still insurance options available. Find the best life insurance for seniors over 70! Call us at Ogletree Financial and we can answer your questions and guide you and yours to the secure financial future and […]

Life insurance at age 70: Still Within Your Reach

Life insurance at 70: Still within your reach.

Do you suffer from health problems and feel that life insurance at 70 will be too expensive to afford? What you may not understand is that many common ailments, such as hypertension, heart problems and diabetes, do not present the same concern to life insurance companies when you are 70 as when you are 35. […]

Life Insurance at age 65

Life insurance at 65.

You may be wondering, “Should I buy life insurance at 65?”  Well, the answer is yes. If you are considering life insurance coverage and have arrived at our website, you are in the right place! You are obviously ready to get his done and we can get you started in just a few minutes. Or […]

Life Insurance at age 60

Life insurance at 60.

Whether to buy Life insurance at 60 is an important decision for you and your family to make. For many, this is a time when they are earning well and they want to protect the future they are building. Life insurance at 60 can make sure that those who rely on your income can count […]

Can I Get Life Insurance If I Have Had An Aortic Aneurysm?

Keys to getting life insurance after heart bypass surgery

Shopping for life insurance can be difficult, especially if you have a serious pre-existing condition. If you have had an aortic aneurysm, you may assume that you can’t qualify for an affordable life insurance policy, but that couldn’t be further from the truth. Regardless of your health or pre-existing conditions, there are several options for […]

Can I Get Life Insurance With Cardiac Arrhythmia?

Can I get life insurance with cardiac arrhythmia?

When you’re applying for life insurance, the company is going to look at dozens of different factors to determine if they are going to accept you for coverage. One of the biggest factors that can impact their decision is if you have any pre-existing health conditions which will make you too great of a risk […]

Will I Have Trouble Getting Life Insurance With Asthma?

Will I have trouble getting life insurance with asthma?

Maybe not, fewer people today pay higher life insurance premiums because of their asthma. Only the most severe conditions receive sub-standard risk ratings from most life insurance companies. When you’re shopping for life insurance coverage, it’s important that you’re getting the lowest premiums available. There are several different factors that you should be aware of […]

Can I Get Life Insurance If I Have Had A Stroke?

Life insurance at 30

Yes, we can insure you if you have had a stroke! Many people who have had a stroke worry that life insurance is out of reach for them. Either the premiums will be too high or they will be declined outright. While stroke is something life insurance companies are very concerned about when underwriting a […]

My Health Has Improved; Will My Life Insurance Premium Go Down?

LMy health has improved; will my life insurance premium go down?

You have the life insurance you and your family need. Your policy is in place and whatever happens to you, your loved ones will always be financially secure. You thought your diabetes would prevent you from getting the coverage you needed. The premiums would be too high. To your surprise, your well-managed condition and overall risk […]

Where Is The Cheapest Place To Buy IUL?

Where is the cheapest place to buy IUL?

Where is the cheapest place to buy IUL? I get this question from time to time when working with my clients.  The answer may surprise you.  Sometimes the cheapest policy may not be the best.  Sometimes policy with more expenses performs better than a cheap indexed universal life insurance policy.  If you consider the premiums […]

Indexed Universal Life for Mortgage Protection?

Indexed Universal Life for mortgage protection?

Life insurance is one of the best safety nets that you could ever buy for your family. It’s one of the only ways that you can ensure that your loved ones have the money that they need, regardless of what happens to you. Life insurance has changed drastically since the idea was born. There are […]

Should I Buy Indexed Universal Life Insurance At Age 45?

Should I buy Universal Life Insurance at age 45?

I am 45 years old, would I buy it at 45?  You bet I would.  Fortunately, I started buying permanent life insurance when I was 25 years old.  I bought whole life insurance.  I was married and had no children at the time so I bought a $100,000 whole life policy in addition to a […]

What Does Burial Insurance Cover?

burial insurance coverage

Burial insurance is a popular form of life insurance coverage that is a great way for applicants to provide coverage, even if something tragic were to happen to you. When you’re getting insurance coverage, it’s vital that you make the perfect decision for your family. Burial insurance is a unique form of insurance, and there […]

Whole Life Insurance No Medical Exam

Life insurance at 38

If you’ve ever been declined for life insurance in the past, then you should consider getting a no medical exam policy, but there are still several types of plans that you can choose from. This article will explore those options and the benefits of each of them.

Is Whole Life Too Expensive?

hand with roll of bills

When I started in the life insurance business in 1995, new agents that came into the insurance business worked for one company.  These companies were referred to as captive companies or career companies.  The agent would be able to offer products from that one company and no one else.  At the time this was ok. […]

Qualifying For Life Insurance Coverage

Life insurance at age 32

When I was in my early twenties, with two young children at home, a good friend of mine was diagnosed with terminal cancer. He had a wife and two young children of his own. Of course, everyone was devastated by the tragic news, but it made me consider my own mortality and what would happen […]

Qualifying for Life Insurance with Diabetes

Qualifying for life insurance with diabetes

If you or someone you loves has diabetes, you are not alone. According to the American Diabetes Association, in 2012, 29.1 million Americans had this disease. It is estimated that 1.4 million additional Americans will be diagnosed with this disease every year. Diabetes is one of the leading causes of death in the United States. […]

Can I Get Life Insurance As A Pilot?

Can I get life insurance as a pilot?

Earning your pilot’s license is a thrilling experience. Some people decide to get their aviation license to help with a long commute or for agricultural reasons. Some have dreamed of flying since they were small children. And still others heed the call of aviation as a career. Regardless of the reason, most people that put […]

Do Pilots Pay More For Life Insurance?

Do pilots pay more for life insurance?

A lot of kids dream of being a pilot when they grow up. Who wouldn’t want to hit the skies? Being a pilot brings a lot of complications, and one of those is life insurance. There are some occupations or health conditions that can make you a “high-risk” applicant. We have all heard it said […]

Can I Get Life Insurance With High Cholesterol in 2020?

Can I get life insurance with high cholesterol?

Can I Get Life Insurance With High Cholesterol?   It is estimated that over 70 million Americans have high cholesterol and only one in three of those 70 million have their condition under control. Your level of health, including your cholesterol level, is an important consideration when insurance companies calculate your premiums.  Will obtaining life […]

Life Insurance with Living Benefits

life insurance with living benefits

Why you should consider life insurance with living benefits. Buying a life insurance policy can be a confusing process, there are dozens of different kinds and plans to choose from. Additionally, there are different advantages that you’ll need to consider. It can be hard deciding which one is best for you. When purchasing life insurance, […]

What Kinds Of Term Insurance Are There?

Life insurance at 38

Term life insurance can be one of the best safety nets that you can purchase for your loved ones. It’s one of the only ways that you can ensure that your loved ones have the money that they need, regardless of what happens to you. We know that finding the perfect insurance plan for your […]

Why Should a Stay at Home Parent Buy Life Insurance?

Life insurance at age 33

Life insurance is one of the best ways to ensure that your family has the insurance protection that they deserve. Most applicants assume that if stay at home, that they don’t need a life insurance plan because they don’t bring home a paycheck, but is that true? Many families with children are fortunate enough to […]

Life Insurance After Heart Valve Surgery

Keys to getting life insurance after heart bypass surgery

Having heart valve surgery can be a very demanding experience. After such a serious operation we all want to protect our loved ones and the life we have built for our families. That’s when we might think of life insurance. Is it possible to buy life insurance after heart valve surgery?  Will I be able […]

I Have Had Prostate Cancer, Can I Get Life Insurance?

Life insurance at age 55.

Prostate cancer is the number two most common cancer in American men, behind skin cancer. It is estimated that one in seven men will be affected by this disease at some point in their life. The Prostate Cancer Foundation estimates that 3 million men in the U.S. have prostate cancer, over 27,000 will die from […]

Life Insurance for Cigar Smokers, Pipe Smokers, and Smokeless Tobacco Users

life insurance for cigar smokers

Life Insurance for Cigar Smokers, Pipe Smokers, Smokeless Tobacco Users, and Nicotine Patch Users   No need to pay smoker rates on life insurance coverage, there is good news if you’re smoking pipes and cigars, and smokeless tobacco users who want to qualify for life insurance without paying the same high premiums as cigarette smokers. […]

I Have Mitral Valve Prolapse, Can I Afford Life Insurance?

Can I get life insurance with cardiac arrhythmia?

You certainly can! Although mitral valve prolapse (MVP) is associated with some serious health complications, the incidence of these problems is minimal. Most people who have MVP experience no symptoms and require no treatment. With the right insurer, your life insurance premium will be very affordable. Ogletree Financial Services can connect you to that insurer. […]

Indexed Universal Life Insurance At Age 41 – Smart Move

Indexed Universal Life insurance age 41

Here at Ogletree Financial, we get a lot of questions every year. Some of them are easy to answer, while others are a bit more complicated. There are a lot of questions surrounding indexed universal life insurance plans. It’s vital that you understand the policies and all of your options to ensure that it has […]

Can I Get Life Insurance If I Have Arthritis?

Life insurance at 65.

Announcing the unfortunate passing of musician Glenn Frey, the Eagles website states that “Glenn fought a courageous battle for the past several weeks but, sadly, succumbed to complications from Rheumatoid Arthritis, Acute Ulcerative Colitis and Pneumonia.” Frey’s manager further stated in an article on The Wrap, “The colitis and pneumonia were side effects from all […]

Advantages And Disadvantages Of Indexed Universal Life

burial insurance coverage

When you’re looking to get life insurance, there are dozens of different factors that you’ll have to consider to ensure that you’re getting the best plan to fit your needs. There are several kinds of plans that you can compare, each of them has different advantages and disadvantages that you’ll need to weigh when deciding […]

I Have Sleep Apnea, Will I Be Able To Afford Life Insurance?

person sleeping with cpap

Life insurance is one of the most important safety nets that you could ever purchase for your family. It’s one of the only ways that you can ensure that your family will have the money that they need, regardless of what happens to you. Finding the best life insurance can be a long and difficult […]

Will I Pay A Lot For Life Insurance If I Suffer From Anxiety Or Depression?

Life insurance with anxiety and depression

When you apply for a life insurance policy, the insurance company is going to review a variety of different factors when looking at your application. All of these factors are going to impact your chances of getting coverage and how much that you will pay every month for your policy. Some of the biggest factors […]

Is Indexed Universal Life A Good Investment?

Is indexed universal life insurance a good investment

Life insurance is one of the most important purchases that you’ll ever make for the future of your family. It’s one of the few ways that you can ensure your family’s protection, regardless of what happens to you. When you’re looking to get life insurance, there are dozens of different kinds of policies that you’ll […]

How to Use Indexed Universal Life for Long-Term Care Insurance

Life insurance at 70: Still within your reach.

Life insurance is one of the single most important purchases that you’ll ever make for your loved ones. It’s one of the only ways that you can ensure that your family is going to be taken care of, regardless of what happens to you. Without proper life insurance, your family would be left with thousands […]

What is Variable Universal Life Insurance?

life insurance with living benefits

With so many different types of policies and thousands of different insurance companies to choose from, find the perfect policy to fit your needs can be difficult. We are here to help clear up any confusion. One of the most misunderstood types of policies is a variable universal life insurance plans, there are several different […]

Do I Need Life Insurance?

Insurance at 38

In a nutshell, life insurance protects your ability to earn. You know, your paycheck. If you have a family or business, chances are you need to consider purchasing a policy. You will be surprised at how inexpensive a term life insurance policy will be. Let’s face it, we are all going to die. But have […]

Life insurance at age 79

Life insurance at 79

Life insurance at 79 is probably not as uncommon as you think, or as expensive as you think. If you have important financial obligations, especially to your family and no matter your age, life insurance is the correct move. Affordable life insurance for seniors over 70 is a realistic financial strategy. Are you concerned about […]

Life insurance at 78

Cost of life insurance in my 70s

It’s no too late. The premiums will not be as high as you think and your health issues will not matter as much as you might imagine. Life insurance at 78 may seem out of place to some, but financial responsibility, especially to the ones we love, knows nothing about how old anyone is. First […]

Life insurance at age 77

Life insurance at 77

Some people believe that life insurance at age 77 is out of their reach.   Health issues often scare some who need life insurance coverage into thinking the premiums will just be too high. The truth is that the life insurance coverage you need to protect your family can be yours and you can find […]

Life insurance at 76

Where is the cheapest place to buy IUL?

Many believe that life insurance at 76 will be too expensive. Maybe you have some health issues that keep you from applying. You can probably put these worries aside. We are determined to help you find life insurance for seniors over 70! There is almost certainly a life insurance policy that meets your family’s needs […]

Life insurance at age 73

Life insurance at age 59

Many who seek life insurance at 73 are worried about how their health will affect their premiums. Will they be sky high? Probably not. Hypertension, cardiovascular problems, diabetes, and other ailments are a natural part of getting older for almost everyone. When well controlled, these conditions do not elevate life insurance costs as they would […]

Life insurance at 72

Life insurance at age 59

Many people who seek life insurance at 72 can’t imagine how they could possibly afford the premiums at this age. Health issues are a reality of old age that few avoid. Life insurance companies know this and that is why your diabetes or hypertension at 72, especially if your condition is well-controlled through a healthy […]

Life insurance at 71

Should I buy Universal Life Insurance at age 45?

Age will take its toll and many in their seventies have developed health conditions as they have gotten older. You may be thinking that your hypertension or cardiovascular problems will make the life insurance you need too expensive. But this is not necessarily so. These problems at 38 cause insurers much more concern than someone […]

Life insurance at 68

Insurance at age 68

Many in their sixties are surprised to learn that many people their age are purchasing life insurance. Once the kids are out on their own, your obligations are done, right! Wrong. People you love still rely on your support. Life insurance at 68 is the best way to be sure they can still rely on […]

Life insurance at 66

Life insurance at age 55.

Many people are surprised at the amount of folks in their 60s purchase a life insurance policy. But we definitely suggest it if you’re 66 years old and still have dependents who rely on your support. If your goal is to share the fruits of your life’s labor with the ones you love, a life insurance […]

Life insurance at 67

Life insurance at age 67

It may surprise you that it is quite common for people in their sixties to purchase life insurance. Life insurance coverage is not just for young folks with kids to raise and a mortgage to pay off. If you have people who rely on your financial support, then life insurance at 67 is a smart […]

Life insurance at 64

Life insurance at 52

Let’s talk about Life Insurance at 64   Many 64-year-olds are unsure about life insurance. Why do I need it and how much do I need? You may have heard that life insurance at 64 will cost too much and think the premiums will be too high! Soon you’ll have some answers, plus you’ll know that […]

Life insurance at 63

cost of Life insurance

Many people think that 63 is too late in life to buy life insurance. “There’s no need for it now, I waited too long … it will be too expensive.” All not true. Life insurance at 63 is a smart move and we can help you today! If people you love will endure financial hardship […]

Life insurance at 61

Cost of insurance

Life insurance at 61 is more common than you think. The vast majority of people in their sixties either have life insurance coverage or know they need it. Just because the kids are on their own and the mortgage is paid off doesn’t mean life insurance isn’t for you. If you have financial obligations that […]

How much does life insurance cost for a 57 year old?

cost of life insurance

Purchasing life insurance at 57 can be an important factor in your family’s finances. Making sure that your loved ones will continue to live at the standard you work hard for them to enjoy is probably priority number one. Retirement may be close at hand. Do you have children who will be attending college? Pretty […]

Life insurance at 56

How much does life insurance cost

Some people worry when considering life insurance at 56. There is probably not too much to worry about. Do you think life insurance will be too expensive? Read a little about some life insurance basics and check out the sample life insurance quotes at the end of this article. You will probably be surprised. The […]

Life insurance at 54

Life insurance at 53

Life insurance at 54 is the best way to protect your family’s financial security. You have worked hard to give your loved ones a standard of living you expect your children to live until they are on their own and your spouse until you both retire in comfort. Some people think life insurance at 54 […]

Life insurance at 53

Life insurance at age 55.

So you’ve turned 53 years old and think its out of your budget to buy life insurance?  Not necessarily so. Others are not even sure why life insurance at 53 is a good idea. A few minutes of reading will fill you in on the basics and have you ready to talk to Ogletree Financial […]

Life insurance at 52

Life insurance at 52

Life insurance at 52 is an important financial decision for your family. You have worked hard to support your loved ones and you want to protect the financial future of those who rely on you and your income. Life insurance coverage is the best way to get the peace of mind you desire. Worried about […]

Life insurance at 51 – Get quotes in Less than One Minute!

Cost of life insurance in my 50s

Life insurance at 51 is an important decision for your family’s financial future. If you were to pass unexpectedly, you wouldn’t want your loved ones to be strapped with financial headache in addition to such a difficult emotional loss. Also, life insurance at 51 is not as expensive as many clients fear, especially if you […]

Life insurance at 49

Life insurance at 49

You’re 49 and know you need life insurance. The people you love the most rely on you and your income and as you get older you may assume other important financial obligations. Life insurance is the best way to ensure that no matter what happens to you, your family will be able to rely on […]

The Best Life insurance at 48

Low cost life insurance

Many think life insurance at 48 is too expensive, too complicated, unnecessary, or it’s just too late in life. If you’re single and have enough money saved to cover your final expenses, life insurance may not be needed. But, if you have a family that relies on you, are a partner in a small business, […]

Life insurance at 47 | Awesome Rates!

life insurance with awesome rates

At 47, your family’s well-being and financial security are probably the most important ambitions you pursue. A life insurance policy is the best way to ensure that these ambitions will be realized no matter what may happen to you. Read on and learn how life insurance at 47 can work for you. Maybe you are […]

Life insurance at 46

Life insurance at 46

At 46, you may be worried that life insurance will cost too much. If your health is fine, you can probably put your concerns to rest. We are going to give you a rough estimate of how much you’ll pay for your life insurance. First, let’s look at a few questions you may have about […]

Low Cost Life insurance at 44

Low cost life insurance

At Ogletree Financial Services we deal with many clients in their early forties. Protecting your family and the life you are building together is now a priority. Getting life insurance at 44 is a smart move and you are in the right place to learn the basics and get in touch with a professional today! […]

Instant Life insurance at 43

Instant life insurance

Many people feel the need for life insurance in their early forties. You are proud of the quality of life you are providing for your loved ones. If you were to die unexpectedly, all your hard work could go to waste. Your family could be left financially and emotionally devastated. Life insurance at 43 is […]

Easy Life insurance at 42

life insurance at 42

You have reached your early forties and realize that you need life insurance. Your family and your responsibilities are growing and if something were to happen to you, your loved one’s finances would be devastated. Life insurance at 42 is a smart move to protect the quality of life you work hard to provide for […]

Life insurance at 41 [It’s not too Late]

Life insurance at 79

You Should Buy Life Insurance at 41   You are 41 years old and thinking, “I need life insurance for my family, for my peace of mind.” Your kids are in grade school and business is good. You and your spouse have worked hard and it beginning to pay off. But if the unthinkable were […]

The Best Life insurance for Real Estate Agents

Life insurance at age 50

By Holly Mitchell I am a retired real estate agent, who is now in the insurance industry, and now know how important Life insurance for real estate agents can be.  A recent internet search of “Life insurance for real estate agents” turned up basically nothing!  I honestly was shocked that this market has not been […]

Affordable Life Insurance with High Blood Pressure – We can Prove It!

Life insurance with high blood pressure

Cheap life insurance with high blood pressure? Absolutely! We often get standard and even preferred and preferred plus risk ratings for clients with high blood pressure. The most severe and uncontrolled cases may pay higher life insurance premiums. ‘Control’ is the magic word for getting the best life insurance rates if you have what life […]

Imagine what you didn’t know about a Roth IRA

Life insurance at 36

Most of you out there have heard about a Roth IRA. It is one of the most popular retirement savings options available today. When you set up a Roth IRA, your contributions are made with after-tax dollars and your withdrawals after 59 ½ are income tax-free. This is completely opposite from the traditional IRA where […]

Indexed Universal Life or a 401k? [Which is Better in 2020]

Indexed universal life or a 401k?

Have you ever stopped to wonder if all that money you’re putting into your 401k is really the best thing you can do to make sure that you have enough money to retire on? Will you outlive your money? Is your savings safe from another market downturn? Indexed universal life or a 401k?       […]