Life Insurance Education

Mortgage Protection Insurance or Term Life Insurance

Mortgage Protection Insurance, sometimes referred to as MPI, is designed for one purpose, to pay off the debt on a mortgage 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 to those who …

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Universal Life Insurance – What Is It All About?

The UL Breakdown The topic of this article will answer the question, “what is universal life insurance.”  To have a good overview, we are going to explore different sub types offered in the industry.  As we explore the different types of UL coverage, you will they are not all created equal or with the same level of guarantee. Life Insurance is financial protection that many of us need to protect both our loved ones and/or …

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How To Get Life Insurance After a Heart Attack

If you have become a victim of a heart attack and need life insurance, you’re far from alone.  The shock is certainly a frightening experience that probably got you thinking about your own mortality.  Maybe even about the life insurance that you have or may have put off?  Are you really wondering if you can get life insurance after a heart attack and/or heart surgery?  You might have heard rumors about how expensive life insurance …

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Graded Benefit Whole Life Insurance

So your health has placed you in a very higher risk category for life insurance?  Maybe you are assuming that the best life insurance options companies won’t give you the coverage you want and need?  Don’t lose heart.  The news isn’t all bad as you still have options for life insurance.  Graded death benefit life insurance is designed for those who are indeed, high risk life insurance candidates. If you are unable to qualify for …

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Guaranteed Universal Life Insurance – The Nuts and Bolts

The Low Down on No Lapse Universal Life Insurance and More So what exactly is Guaranteed Universal Life Insurance then?  Is it just another universal life insurance product…just what we need! Grrreat!! I’m actually being sarcastic here because traditional, interest sensitive, Universal Life (UL) products from many life insurance companies have struggled for many years now.  Due to low interest rates, many consumers who own these policies have had some hard decisions to make.  The …

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Affordable Burial Insurance For Seniors – A Simple, Definitive Guide

For most people, burial insurance is not pleasant to think about and equally frustrating to plan for.  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 …

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

Have you been shocked by the cost or even, been declined for a life insurance policy due to a high risk medical condition? 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.  …

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

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 …

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Is Funeral Insurance Worthwhile Or Not?

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 …

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Obtaining Life Insurance With Health Issues

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 …

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