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What exact is whole life insurance, and how do life insurance companies profit from selling it?
Alice Z asked:
Agents are always extremely keen about selling my family whole life insurance instead of term. According to the agents, whole life is preferable to term since it does not expire and as a result the beneficiary is guaranteed some payment upon the death of the insured. However, why would the insurance company [...]
How can my husband open a life insurance policy?
mommy-to-be asked:
We recently found out we are expecting a baby and need to open a life insurance policy in case something would happen to him so we’d be taken care of. We have insurance that is paid for by his employer. How do we go about getting life insurance? Is it added to our [...]
Life Insurance?
livinlife asked:
My husband, 32 and I, 30 are looking into life insurance. Can anyone tell me which company or websites I can use to get information. There are so many out there… wouldnt know where to start. Who do you personally use? Is there a medical exam involved? What type [...]
How To Cut Your Life Insurance Costs
There are many different types of insurance available these days, and one of the most popular and arguably the most important is life insurance, which is designed to provide financial security to your loved ones in the event that you die during the term of the policy. Things will be difficult enough for your loved [...]
Term Life Insurance No Exam
No Exam Term Life Policies are life insurance policies where you do not have to have a Para Medical exam completed for underwriting.The process is you will fill out an application and answer fairly typical health questions.
The underwriters will base their decision off your application as well as checking the MIB (medical information bureau) for [...]
Short Term Disability Insurance Can Help
Having an accident or protracting an illness can be a problem, especially when it prevents you from attending work. Long or short term disability insurance has been designed to ensure you still receive an income until you are able to return to full employment. With the stress and frustration caused by a temporary or permanent [...]
Best Types Of Term Life Insurance Policies
Insurance in general is confusing and life insurance can be very confusing to understand due to all the provisions and riders. So when carriers come out with multiple products with an array of provisions it can be overwhelming to decide which is best for your planning needs.
So let’s catch you up on the different types [...]
How to Buy Term Life Insurance Plans and Save Money
Knowing how to buy term life insurance the right way is very important for a number of reasons, number one being saving you some big money in premiums. I’m going to give you three simple tips that will help you find and buy the best most affordable term life insurance policy.
Term Life Insurance is [...]
Banner Life Insurance guide to underwriting
Banner and William Penn are one of the very best term life product providers in the US today. Truly the company prides its self on being one of the best Term Life Carriers in the business, but recently brought on some good permanent products.
Below you will find a pretty detailed information underwriting guide for [...]
Individual Disability Insurance Pays Off
You don’t want to think about it but one day, you may not be able to work again through illness or accident that prevents a normal life so do you really think of individual disability insurance as a good thing to have or a waste of time. Often the biggest strain when you are unable [...]