20 Year Term Life Insurance….  Pretty hot stuff.  Inexpensive financial protection to have.  Yes, it fills a big gap for many different American’s life insurance needs.  Is it the answer to everyone’s prayers?  Probably not, but it has a respectable place in the portfolio of many families raising kids that is for sure. While 20 Year Term is a popular product, it is sometimes purposed for needs that it does not suit so well.  Term …

Read moreThe Best 20 Year Term Life Insurance Policies and the Pitfalls To Avoid

Funeral Insurance, what is it and how does it work?  Is it a good move for me? In this post, I will discuss a very difficult to talk about but very specific life insurance product.  Yes, Funeral Insurance.  We are going to put enough information into this article to help decide if Funeral Insurance for seniors is worthwhile for you, personally. While a difficult subject to think about, talk about and financially plan for, as …

Read moreIs Funeral Insurance Worthwhile Or Not?

If you are like many people trying to obtain life insurance with a preexisting health condition, your aggressively searching the internet for the answer to meet your condition. So who is the best life insurance company for you and your preexisting condition? It is tough for most consumers to search this out. In fact, for most people, it ends in a lot of leg work that often ends in disappointment without the right resources.  The …

Read moreObtaining Life Insurance With Health Issues

Wow, Senior Life Insurance in 2020, Absolutely!! If you heard life insurance was just for married people raising kids… Wrong!! I am here to tell you, life insurance is not just for the “young folks.”  If you don’t have it right now, at least you came here with an open mind to check it out. Having written a good number of life insurance cases for various ages in my career, I’d would argue that life …

Read moreLife Insurance For The Elderly – The Complete Product Guide

Well, this one tends to fuel a lot of hoopla these days. Financial advisor gurus, Dave Ramsey and Suze Orman say you should only buy guaranteed level term life insurance. They have purported that permanent insurance policies like whole life insurance are a bad investment.  Buy term life insurance they say.  Whole life insurance has even been called a ripoff!! Are they right? Dave Ramsey And Suze Orman Life Insurance – The One Trick Pony, …

Read moreIs Whole Life Insurance a Ripoff or the Right Financial Tool: The Dave Ramsey, Suze Orman Rants

On 9/29/17, WOOD-TV 8 (NBC Television in Grand Rapids, MI) ran this report relating to some common life insurance facts and several of the misconceptions of consumers.  As a company, we have heard a lot of the myths and misinformation highlighted in this report. However… The point of bringing this news story to your attention today is for one surprising fact this study revealed.  In fact, it just plain shook me up. And…here is the shocker…. In the news …

Read moreAAA Survey – A Case Study and Conclusion: Do I Need Life Insurance

It never fails.  Just when I think all the wild opinions are done circulating about life insurance products, someone publishes another completely biased article or video slamming a type of life insurance for being junk, a ripoff or even a scam.  Whether it is term life vs whole life or whole life vs term life, it is just a never ending battle.  So here today in this post, we are going to talk about Whole …

Read moreWhole Life vs Term Life Insurance: The Never Ending Battle