What is indexed universal life insurance? Indexed universal life insurance is one of the most exciting products sold throughout the United States. And for good reason. Indexed universal life insurance is a flexible premium permanent type of policy. It contains both an insurance component and an investment component. It offers a combination of tax advantages not available with any other.. More
What is executive bonus life insurance? Executive bonus life insurance is used by business owners. The business enters an agreement under which the employer agrees to pay the executive an annual bonus. The bonus will be an amount which pays the premium on a policy owned by the employee. The bonus will also typically pay.. More
What is a final expense policy? A final expense policy is typically a type of whole life insurance used in planning for one’s final expenses such as burial, funeral and paying off any secure creditors. According to the National Funeral Directors Association, the average cost of a funeral is approximately $8500. This average does not include.. More
Cancer history- Is affordable life insurance available? Are you one of the millions of Americans living with a cancer history? Are you concerned that affordable life insurance may not be available for individuals with cancer history? Trying to find affordable life insurance with cancer history can seem intimidating. We are experts at securing special risk life insurance. It.. More
What are life insurance riders? Life insurance riders are additional coverage that can be attached to an application for term or permanent plans of insurance. The life insurance riders will typically have an additional premium charge. Although, some life insurance riders are included on the base policy with no additional premium. Examples of life insurance riders There are a multitude of.. More
Searching for life insurance with kidney disease If you are searching for life insurance with kidney disease you must work with an expert. Fortunately, you have come to the right spot. Your agent must have the knowledge and experience to find the most affordable rates available for individuals searching for life insurance with kidney disease. The agent.. More
What is universal life insurance? Universal life insurance is a type of permanent insurance protection. This type policy is offered in most states. Universal life insurance is different than term life insurance. A universal life insurance policy offers an individual not only the ability to have death benefit protection, but also the ability to earn interest on excess premiums… More
What is the term life conversion option? The term life conversion option is a feature available with many term policies. In general, while the policy is in force you may surrender it for a new policy provided: You request conversion in writing prior to the conversion date shown in the policy specifications You are not.. More
What is retirement planning using life insurance? Retirement planning using life insurance is an option that some people may want to consider. If you’re concerned about the financial security for your family today and feel uneasy about your future retirement planning goals, it may be time to consider life insurance. With life insurance you gain death benefit.. More
