General Life Insurance Information

Understanding Whole Life Insurance Rates

Life insurance is a confusing investment, and it can be hard to see beyond the price when shopping policies. Term policies certainly help the budget-conscious, but the substantial benefits of permanent policies should be worth considering, even if you are young. Whole life insurance rates may be expensive, but the peace of mind these plans…
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Declined for Life Insurance – Now What?

So you were declined for life insurance – now what? Here we will cover your options and how to get a policy. Declined for Life Insurance – Now What? Everyone knows the importance of life insurance. Without it, there’s a very real chance that you could pass and leave your loved ones in dire financial…
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How Your Family History CAN Affect You Getting Life Insurance

Life insurance providers assume plenty of risk in offering affordable policies, so they need precision in their decision-making. Insurers perform exhaustive reviews of their clients’ health backgrounds, considering factors such as age, lifestyle, health-related habits, and gender.  With more information, they make better approval decisions, fine-tune coverage limits and set appropriate premiums, reducing loss while…
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What is Waiver of Premium Rider on Life Insurance Policy?

Wondering what is waiver of premium rider on life insurance policy? Here we cover exactly what you need to know and if it’s right for you. Protecting your loved ones should be a top priority. This is why securing the right coverage is important when having family members who rely on your income. Life insurance…
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Can You Get Life Insurance on Someone Else?

You see it in detective shows all the time: when looking into the motives of a murder, it’s discovered that the victim’s spouse has taken out a secret life insurance policy on the deceased, and now stands to collect a sizable sum of money. That makes a great story for a show like this, but…
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Life Insurance with Multiple Sclerosis

If you are one of the millions of people worldwide who are living with multiple sclerosis, you might be concerned about your eligibility for purchasing life insurance. While it is often difficult to shop for life insurance when you have a preexisting condition, living with multiple sclerosis doesn’t automatically bar you from obtaining life insurance.…
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Reasons For Higher Life Insurance Premiums

There are reasons for and causes of higher life insurance premiums. We will walk you through them and show you how to lower your payments. There are more than a handful of reasons why insurance premiums for identical plans may be higher for some individuals than others. However, before discussing the different factors that affect…
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What is a Second-to-Die Life Insurance Policy?

A second-to-die life plan can solve several problems in estate planning. Learn what is a second-to-die life insurance policy and how it works. Married couples commonly choose a single coverage plan to protect their loved ones when they die. Choosing from individual or joint plans, this primary insurance is expected to cover any ensuing financial…
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What is Business Life Insurance?

Life insurance is purchased primarily as a means to keep your immediate family safe in the event of your death. However, as a business owner, you take on a whole new group of dependents outside of your family. Employees, stakeholders, and operations can be subject to serious upheaval if you pass away.  When your business…
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