What Is Guaranteed Universal Life Insurance

May 14, 2018

What Is Guaranteed Universal Life Insurance

There are different types of life insurance. Even though many people would prefer to buy a whole life insurance cover they find it too expensive, while term life insurance might sound like the perfect solution, most people are concerned that they would outlive the policy and be left without coverage later in life. This is […]

Variable Life Insurance 101

May 06, 2018

Variable Life Insurance 101

Also known as variable appreciable life insurance, variable life insurance will not only provide you with lifelong coverage but a cash value account as well. With variable life insurance policies you are guaranteed that you have higher upside potential relative to other permanent life insurance policies. You need to be aware though that a variable […]

Understanding Equity Indexed Life Insurance

May 03, 2018

Understanding Equity Indexed Life Insurance

Trying to decide whether you should buy life insurance can be a very confusing experience for many people. This is not least because there are so many insurance covers to choose from; universal life, whole life, term life, the list is endless. Each type of life insurance has its pros and cons. Equity Indexed Universal […]

The Basics of Simplified Issue Life Insurance

April 26, 2018

The Basics of Simplified Issue Life Insurance

There are different types of insurance including term life insurance, whole life insurance and many more. So, what is the difference between simplified issue life insurance and how does it differ from other life insurance policies? Simplified issue term life insurance allows you to benefit from a life insurance cover without having to undergo a […]

How Life Insurance Rates Are Determined

April 24, 2018

How Life Insurance Rates Are Determined

One of the factors that determine your insurance rates, at least in part, is your risk class. The risk class is defined by your insurance’s own guidelines. The other factors that play a key role in determining your insurance rates are the length of the insurance cover as well as the policy amount. Lower premiums […]

Advantages and Disadvantages of Term Life Insurance

April 12, 2018

Advantages and Disadvantages of Term Life Insurance

Unlike other life insurance policies that are designed to be permanent, term life insurance is meant to be temporary. This is both a disadvantage and an advantage at the same time. The main benefit of term life insurance is that you are buying a life insurance cover without having to incur additional charges. As a […]

Types of Life Insurance

April 07, 2018

Types of Life Insurance

Life insurance is broken down into different types of policies. In fact, there are various life insurance hybrids offered by insurance companies across the United States. However, in this blog we will focus on the core insurance policies that are readily available across the country. Types of Life Insurance Covers Term life insurance Variable life […]

Do You Really Need Whole Life Insurance

March 22, 2018

Do You Really Need Whole Life Insurance

We understand how hard it is to keep up with the different types of insurance covers and especially when so much convoluted language is used. In this article we take a look at whole life insurance, and whether it is a necessity that you should bother with. Definition of Whole Life Insurance Whole life insurance […]