Life Insurance Education Archives | Special Risk Life Insurance

Mortgage Protection Insurance or Term Life Insurance

Mortgage Protection Insurance, sometimes called MPI, is designed for one purpose, to pay off the debt on a mortgage. This is if the borrower loses their life either due to either an accident or natural causes. Now, term life insurance can be used for any purpose, including but not limited to a mortgage payoff. Under most circumstances, a term life insurance policy is a better choice and offers a lot more options. In this article, …

Affordable Burial Insurance For Seniors: A Simple, Definitive Guide

by Special Risk Life Insurance

Looking into burial insurance for seniors is not a pleasant topic. However, as a universal truth, everyone of us will someday have to face and deal with our own mortality. The vital key… we must do it while we still can. I realize some visitors here may be looking into coverage for a family member as well. There is content here for all who need the answers to buying Burial Insurance for a senior. Planning …

Affordable High Risk Life Insurance – The Key For [2023]

by Special Risk Life Insurance

Looking for affordable high risk life insurance? Have you been been declined for a life insurance policy due to a high risk situation? While it may be demoralizing to realize you won’t be able to qualify for the very best rates, you don’t have to end your quest for affordable life insurance coverage to meet your needs. At Special Risk Life Insurance, we provide the expertise in helping you obtain affordable, high risk life insurance. …

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

by Special Risk Life Insurance

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 …

Is Funeral Insurance Worthwhile Or Not?

by M. J. Flajole

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 …

Obtaining Life Insurance With Health Issues

by Special Risk Life Insurance

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 many people, it ends in a lot of leg work that often ends in disappointment. The good news is, we …

Life Insurance For The Elderly: Complete Guide

by M. J. Flajole

Life Insurance For Seniors in 2023, Absolutely!! If you heard life insurance was just for married people raising kids… Wrong!! I am here to tell you, life insurance for the elderly has become very much in demand, especially as of 2020. It 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 …

Is Whole Life a Ripoff: The Dave Ramsey, Suze Orman Life Insurance Rant

by M. J. Flajole

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 based on 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 & Suze Orman Life Insurance – The One Trick …

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

by M. J. Flajole

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 …

Whole Life vs Term Life Insurance – How to Choose

by M. J. Flajole

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 …