what is a dwelling policy

What are DP Insurance Policies

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…
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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…
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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…
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father with child on shoulders

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

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…
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guaranteed universal life insurance

The 10 Best Guaranteed Universal Life Insurance Companies in 2020

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. Not only is GUL perfect for individuals that want to meet their financial obligations,…
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image of a home

What Type of Homeowners Insurance Policy do I Need?

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…
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royal neighbors featured image

Royal Neighbors of America Life Insurance Company

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…
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state farm homeowners insurance

State Farm Auto Insurance Review

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…
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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…
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