Life Insurance Basics

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Life Insurance for A Small Business Loan

Starting a new business or taking out the money that is necessary to support a business that you hope to grow is not always easy. In many situations, you may believe that you have all of the accurate information and compelling reasons for someone to provide you with a small business loan. Life Insurance for...

Starting a new business or taking out the money that is nece...

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Are life insurance premiums tax-deductible?

You clicked on this post because you’re interested in how life insurance is taxed. It seems strange for a post about life insurance to begin discussing taxes.  But taxes are an important consideration before purchasing a life insurance policy, especially when the purpose is to reduce your taxable income.  If you’re concerned about taxes and...

You clicked on this post because you’re interested in how ...

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What are the best life insurance blogs?

Are you looking for the best life insurance blogs on the internet? One Google search for the “best life insurance blogs” cannot guarantee a connection to high-quality life insurance blogs that strike your interest. That’s why we did extensive research to provide you with eight of the top life insurance blogs for you to read....

Are you looking for the best life insurance blogs on the int...

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Life Insurance Drug Test: What is it for?

If you are starting your search for a life insurance policy, you may be surprised to learn that one thing you will need to do during the application process is complete a life insurance medical exam. This life insurance health exam allows life insurance companies to better assess your risk during the underwriting process. Some...

If you are starting your search for a life insurance policy,...

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Pros and Cons of the Return of Premium Life Insurance

If you are shopping for a life insurance policy, you may find it difficult to understand all of the different options out there. What’s worse, you may cringe at the idea of purchasing something like a term life insurance policy only to live past the end of the term and never see any of the...

If you are shopping for a life insurance policy, you may fin...

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Is life insurance for smokers more expensive?

When you are shopping for life insurance, you have a lot of options at your fingertips. You could choose a term life insurance policy that lasts anywhere from 10 to 30 years, or you could choose one of the many versions of permanent life insurance that will cover you until you pass away, regardless of...

When you are shopping for life insurance, you have a lot of ...

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Life Insurance Blood Test: What is it for?

When you are looking to purchase a life insurance policy, you may have to complete a series of things first. There is an application to fill out, a health history questionnaire to answer, and you may also have to complete a life insurance medical exam, especially if you are purchasing a whole life insurance policy....

When you are looking to purchase a life insurance policy, yo...

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Is Life Insurance Taxable?

Is life insurance taxable? While death benefits generally won’t be taxable, there are still some instances when your beneficiaries may have to pay income tax on your life insurance proceeds. Advanced planning and understanding your policy’s terms can keep your beneficiary from paying too much in taxes. Curious about rates for when life insurance to avoid...

Is life insurance taxable? While death benefits generally wo...

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Who needs life insurance?

Who needs life insurance? Well, it turns out that many people can benefit from a customized life insurance policy. With advanced planning, you can ensure that those depending on you aren’t left to fend for themselves if you were to pass away suddenly. Who needs life insurance rates? Enter your ZIP code into our free...

Who needs life insurance? Well, it turns out that many peopl...

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Are beneficiaries responsible for debts left by the deceased?

Are beneficiaries responsible for debts left by the deceased? It may depend on whether or not you signed any agreements before that person’s death. If not, you won’t have to pay for any deceased individual’s debt out of pocket. Advanced planning with life insurance can help ensure you leave something behind for your loved ones....

Are beneficiaries responsible for debts left by the deceased...

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What does life insurance cover?

What does life insurance cover? Life insurance could cover whatever costs your loved ones might have to pay after you die. Whether it be a short-term life insurance policy or whole life, you can likely find the coverage you need to give you peace of mind about your loved ones’ futures. What does affordable life...

What does life insurance cover? Life insurance could cover w...

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Infinite Banking Strategy

What is infinite banking? And how do you start using the system? Infinite banking is a way of using a whole life insurance policy to borrow against if you get into a situation where you would normally have to take out a loan from a traditional bank. If you’re looking for a way to create...

What is infinite banking? And how do you start using the sys...

senior couple talking with a life insurance agent about no exam life insurancePost

Guaranteed Issue vs Simplified Issue Life Insurance

Life insurance with no medical exam has gained a lot of popularity lately because it offers a convenient way to acquire life insurance coverage. No medical exam policies do exactly what the name says, and that’s lets you acquire a life insurance policy without having to take the medical exam that is required with traditional...

Life insurance with no medical exam has gained a lot of popu...

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Accelerated Underwriting Life Insurance

The future of life insurance is now. There are changes occurring all around us due to technology and many companies are looking to disrupt the way business is done. The life insurance marketplace is no different. Welcome to accelerated underwriting life insurance, the wave of the future. What Is Accelerated Underwriting Life Insurance? Accelerated underwriting...

The future of life insurance is now. There are changes occur...

Buying Life Insurance for Someone Else-River with mountain range in backgroundPost

17 Things You Need to Know About Buying Life Insurance for Someone Else

Buying life insurance for someone else may at first seem simple and innocent enough. You may not even think there are many questions to ask when it comes to getting through the application process. However, even if you’re looking to help a family member, it’s not going to be as easy as putting in an...

Buying life insurance for someone else may at first seem sim...

Advanced Planning With Life InsurancePost

Advanced Planning With Life Insurance Products

Most people look at life insurance as a rudimentary product. And, for most people, this is perfectly fine. They need a simple, cheap term life insurance policy to cover their basic needs should they die prematurely. However, there is a small percentage of Americans who are utilizing a life insurance contract in a much more...

Most people look at life insurance as a rudimentary product....

Charitable GivingPost

Leveraging Life Insurance for Charitable Giving

What do Warren Buffet, Bill and Melinda Gates, Michael Bloomberg, and the heirs of Sam Walton have in common? They have given away billions of dollars through foundations and nonprofits to make the world better. Many of us would also like to leave a lasting legacy in our communities through charitable giving. But unless we’re...

What do Warren Buffet, Bill and Melinda Gates, Michael Bloom...

Executive Bonus PlanPost

162 Executive Bonus Plan to Reward Employees

A 162 Executive Bonus Plan lets business owners reward key executives without incurring additional tax exposure. At its core, a 162 Executive Bonus Plan should feature a whole life insurance policy. Here’s how it works: The company buys the policy and pays the premiums on behalf of the employee. The employee names beneficiaries for the...

A 162 Executive Bonus Plan lets business owners reward key e...

Collateral AssignmentPost

Collateral Assignment of Life Insurance

A life insurance collateral assignment can strengthen your borrowing power, but it could also leave your family more exposed financially if you died unexpectedly. Before making a collateral assignment, take a few minutes to consider how the decision could affect everyone involved. By finding the right balance, you can benefit from the collateral assignment while...

A life insurance collateral assignment can strengthen your b...

Guraanteed Acceptance life InsurancePost

Guaranteed Acceptance Life Insurance

I think you’ll agree with me when I say it’s really hard to find affordable guaranteed acceptance life insurance. It turns out the process of researching and determining the best company is hard for many consumers, but it doesn’t have to be. We’ll show exactly how to secure the best guaranteed acceptance life insurance policy...

I think you’ll agree with me when I say it’s rea...

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