
Who is a Good Fit for an IUL Policy?
Indexed Universal Life (IUL) solutions are widely regarded as the fastest-growing segment within the insurance industry. Not only does this type of life insurance typically
Indexed Universal Life (IUL) solutions are widely regarded as the fastest-growing segment within the insurance industry. Not only does this type of life insurance typically
Life insurance is valuable to your estate plan if you plan to leave a death benefit for your loved ones. In addition, some life insurance
If you’re looking for a type of life insurance that offers flexibility—as well as the opportunity to have some of the upsides of the stock
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)
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
Final Expense Life Insurance for Seniors Over 70 No Medical Exam Final expense insurance also referred to as funeral or burial insurance, is
Many of our clients today are looking for ways to use indexed universal life (IUL) as a way to build an IUL tax free income
Before we get into explaining backdoor Roth IRA, let’s first define a Roth IRA. It’s similar to a traditional IRA, except you fund it with
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
Wondering, “what is modified whole life insurance?”. It’s similar in some ways to traditional whole life insurance. For example, it is a form of permanent
In order to understand what paid up additions are on a whole life policy, it’s essential that we first understand what dividends are. Dividends are
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
Understanding Whole Life vs Universal Life When searching for a life insurance policy, the choice typically comes down to either a permanent insurance policy or
Guaranteed Universal Life Insurance (GUL) provides certainty in uncertain times. So, who are the best guaranteed universal life insurance companies in 2022? Many people want
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
If you’re considering applying with Lincoln Heritage, perhaps you’d like to determine if it might be the ideal choice for you and your family? Here’s
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
Wow! A $750000 life insurance policy. This may seem like a lot of life insurance for most folks, but when we really drill down into
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
A half-million dollar’s worth of life insurance may seem sufficient for most people, but if you’re trying to replace your income for a spouse and
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
I can remember when the easy answer for “how much life insurance do I need” was three or 5 times your income. Not anymore unless
For most people, a $100,000 life insurance policy may sound like legitimate coverage and that may be true. There are circumstances when $100,000 in coverage
Have you ever seen a TV commercial when they talk about life $500,000 life insurance policies costing only about $18 a month? Then, you think
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
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
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
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
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
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
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
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
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
In our effort to educate prospective insurance clients, InsuranceQuotes2Day.com is pleased to offer our Colonial Penn Life Insurance review for 2020. If you watch any
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
We know it can be difficult to find a no exam life insurance policy as a senior over 75. Life insurance is one of the
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
THE VOLATILITY SHIELD How to Vanquish the 4% Rule & Maximize Your Retirement Income A Financial Novella by David McKnight If you are a
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,
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
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
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
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
The Power of Zero – How to Get to the 0% Tax Bracket and Transform Your Retirement by David McKnight In the Power of Zero
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
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.
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
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
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
Generally speaking, all medical professionals, including medical specialists like urologists, cardiologists, and pulmonologists, earn above average income. In fact, urologists, according to Chron.com, fall in
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
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
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,
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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.
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
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
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
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.
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
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
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
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
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
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
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
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.
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
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
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
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
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,
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
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
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
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
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 American Institute of Certified Public Accountants (AICPA) has roots going back to 1887. Since then the association has gone through several name changes and
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
Mutual of Omaha got its start over a century ago in 1909, and at that time was named Mutual Benefit Health & Accident Association. Within
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
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
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
Here is our National Life Group review for 2022. When searching for the most appropriate and beneficial life insurance policy, it’s important that you find
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.
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?”
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
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
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
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
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
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
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
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
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
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.
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
Indexed Universal Life Insurance – The Most Expensive or the Best? Once you understand what indexed universal life insurance is all about, you will be
There are many reasons why people purchase life insurance. For some, the proceeds are intended for paying off debt and / or for replacing the
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
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
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
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
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
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
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
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,
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
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
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.
In the retirement planning marketplace, the term life insurance vs IUL ‘indexed universal life insurance’ debate continues. The proponents of IUL are typically insurance and
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
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
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 is part of most all good financial plans. One reason for this is because the proceeds from a life insurance policy can be
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
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
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
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
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
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
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
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
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
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
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.
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
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
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
It is important to begin your life insurance coverage at a young age. Premiums increase as you get older and do not obtain the life
Many women (and a few men! — more about that later) develop benign breast conditions during their lives. The Emory Healthcare website states that “although
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
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
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
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
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
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
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
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
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
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
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
Shopping for life insurance can be difficult, especially if you have a serious pre-existing condition. If you want abdominal aortic aneurysm life insurance, you may
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
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
Chronic Obstructive Pulmonary Disease COPD affects an estimated 24 million Americans. It is a very serious health condition that can make obtaining life insurance quite difficult.
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
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
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
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
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
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
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
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
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
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
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
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
Can I Get Life Insurance With High Cholesterol? It is estimated that over 70 million Americans have high cholesterol and only one in three
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
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
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
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
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
Life Insurance for Cigar Smokers, Pipe Smokers, Smokeless Tobacco Users, and Nicotine Patch Users No need to pay smoker rates on life insurance coverage,
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
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
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,
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
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
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.
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
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
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
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
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
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
Some people believe that life insurance at age 77 is out of their reach. Health issues often scare some who need life insurance coverage
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
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,
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
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
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,
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
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
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
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 …
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
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
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
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
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
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
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
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
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
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
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
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
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
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
You Should Buy Life Insurance at 41 You are 41 years old and thinking, “I need life insurance for my family, for my peace
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
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
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
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
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