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Universal Life Insurance

You know what Term life insurance is, but what about Universal life? Unlike its Term Life insurance counterpart, Universal Life insurance is permanent insurance that will never terminate leaving you without coverage for your dependents. Let’s jump in and explain what this product is all about and see if it would be a good fit for you. If you are planning on purchasing life insurance, you should be aware of the basic forms of life insurance and how they work. If you need life insurance for just a limited amount of time or the rest of your life, you need …

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Life Insurance Health Classifications

Life Insurance Health Classifications | The Definitive New Guide for [2022] What are life insurance health classifications? You have probably heard the terminology such as Super Preferred, Preferred Plus, Preferred, Standard Plus, Standard, and a few more such terms. These are referred to as life insurance health classifications. You may ask yourself, what is this all about and why is this so important? The reason is these assigned classifications will directly determine your premiums. If you are interested in getting the lowest rates, you should learn a little about them and how they work. This is basic terminology you should …

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Life Insurance Rate Bands

Utilizing Life Insurance Rate Bands can Reduce Your Premiums by Over 30%!  You must be thinking, what in the world is a life insurance rate band? The insurance companies have been using them for decades and here is how rate bands work. All the companies use the concept of rate tiers to calculate premiums for life insurance. These tiers are broken down into batches of 3 to 4 different categories depending on the company. Each of these bands contains a rate per thousand dollars in life insurance coverage. The philosophy is, the more you buy the lower the rate per …

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Finding the Best Life Insurance Policy

Choosing the best life insurance company is a snap! If you were driving down the highway trying to find a specific destination. You would have two main goals you will want to accomplish. This will be finding your destination as quickly and as easily as possible. You will not want to spend any more time driving than you have to. This is similar when shopping for the best life insurance companies to choose from Also, you surely don’t want to encounter any unnecessary stress or aggravation along the way. This concept is the same when searching for the best life …

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Affordable Term Life Insurance

What you need to know about Term life insurance! Term life insurance is truly a great product but remember, it’s only temporary. It is only human nature for most consumers shopping for a new product or service to become swept over by low price tags. This tends to make their buying decision based on price alone. This happens every day to thousands of Americans and sometimes no serious problems are created. Making a poor buying decision now could create a world of financial problems for your dependents later on down the road. Term life insurance is a temporary product that …

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