The Need For Life Insurance
return of premium term life insurance - ATM

What Company Has The Best Return of Premium Term Life Insurance?

Although Return of Premium Term 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…
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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…
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life insurance medical exam

Tips To Help You Pass Your Life Insurance Medical Exam

I can’t tell you how often my clients underestimate the importance of their 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 can qualify for up to $2,000,000 of life insurance without even having to take…
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retirement planning

Six Compelling Reasons to Consider IUL in Retirement Planning

Many companies have started offering indexed universal life insurance (IUL) to their customers. 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. Although only in the marketplace for about twenty years, new policy sales of Indexed Universal Life (IUL) insurance…
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Clark Howard and Life Insurance

Clark Howard’s take on 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…
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bank of america sign

Collateral Assignment of Life Insurance to a Lender

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.…
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20 year term life insurance

20 Year Term Life Insurance – Top 3 Companies

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…
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term life insurance

Best Quotes for 15 Year 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…
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variable universal life insurance

Top Choices for Cheap 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…
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