Is cash value life insurance better, or should you opt for term life coverage? With so many options available for life insurance policies, it can be challenging to decide which policy is suitable for your needs and budget. Do you want a fixed or variable rate? And then insurers throw in terms like “cash value,” which [...]
With competitive rates and brand recognition, AIG Direct may seem a logical choice for many life insurance buyers.Purchasing a life insurance policy can be quite an overwhelming process. You probably already have a headache with all the coverage amounts, conditions, and exclusions. Of course, you can’t just wing it.If you’re wondering which agency is the [...]
Many people in excellent overall health are often surprisingly charged more for life insurance because of an immediate family member’s history. These applicants do not realize that life insurance underwriters usually consider your immediate family history when pricing the policy you buy.Most life insurance companies will want to know at what age your parents or siblings [...]
Many people who suffer from either depression or anxiety are usually not aware of how it can affect their life insurance rates.Can you get life insurance for depression?Our professional insurance advisers routinely help our clients get life insurance with depression treatment.Our goal is to locate life insurance companies that use clinical underwriting to establish optimal [...]
Mortgage Protection Life InsuranceIf you’re like most homeowners, your mortgage is probably your most significant monthly expense. If something unfortunate happens to you, it could potentially impose a substantial burden on your family.Mortgage protection life insurance is designed to alleviate this concern by providing coverage to pay off your mortgage.However, it’s essential to be meticulous when [...]
When looking into a life insurance policy, it is often difficult to know precisely the premiums you will pay until your policy goes through the underwriting process. During the life insurance underwriting process, you will eventually be given an insurance risk classification that will determine the actual cost of your policy.How do the life insurance underwriting [...]
If you are researching life insurance companies and live in New York, you should become familiar with the William Penn Life Insurance Company.If you are considering taking out life insurance, reviewing your options and finding the right policy and company for your situation is essential.Affordable Life USA has represented the William Penn Life Insurance Company [...]
If you are considering buying a $250,000 life insurance policy, you certainly are not alone.It may be one of the most popular and commonly purchased death benefits in the United States.This is why many life insurance companies often advertise a $250,000 death benefit on the radio, the internet, and television.Here’s everything you need to know [...]