Term Insurance
750000 life insurance

Why Buy a $750,000 Life Insurance Policy?

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…
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1,000,000 life insurance

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

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…
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find best rates for 500000 life insurance

Best Rates for a $500,000 Life Insurance Policy

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 children, you could easily fall short. Think about that for a moment. If you have a spouse and two or three kids, do you really think a $500,000 life insurance…
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$250,000 life insurance

Is a $250,000 Life Insurance Policy Enough?

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 you’re buying it to cover a specific debt like a mortgage or vacation home. Of course, if you’re single with no dependents a $250,000 life insurance policy is probably sufficient…
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$50,000 life insurance rates

$50,000 Life Insurance Rates

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 to yourself that you only need about $50,000 in life insurance only to find out the rates are higher than the $500,000 “as seen on TV” rates? What’s up with…
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Decreasing term insurance

Is Decreasing Term Insurance Extinct?

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,…
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return of premium term life insurance - ATM

Best Return of Premium Life Insurance Options?

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…
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American Amicable

American Amicable Group of Companies Review for 2020

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…
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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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