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 […]

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 […]

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 […]

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 […]

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 […]

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. […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 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 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 […]

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 […]

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 […]

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 […]

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 […]

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.

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 […]

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. […]

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 […]

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 […]

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 […]

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 […]