Types of Life Insurance - Special Risk Life Insurance

Burial Insurance for Seniors in Poor Health: Affordable Options Nationwide

If you’re a senior in poor health, finding life insurance can feel impossible. Maybe you’ve been denied before, or the premiums seemed too expensive. The truth? Burial insurance for seniors with health problems is available across the U.S.—and it’s often more affordable than you think. At Special Risk Life Insurance, we help seniors nationwide get the right coverage—even with serious health conditions. Let’s break down what burial insurance is, how it works for seniors in …

Best 20-Year Term Life Insurance: What You Need to Know

by Special Risk Life Insurance

Looking for the best 20-year term life insurance policy? You’re not alone. Term life is the most popular choice for young families, new homeowners, and anyone looking to lock in affordable, reliable coverage during the years when financial responsibilities are at their peak. In fact, industry surveys show that over 50% of term life buyers choose either 10- or 20-year policies, making this coverage a staple for financial planning. Whether you’re raising kids, paying off …

What Is Universal Life Insurance: Types & Breakdown

by Special Risk Life Insurance

This article will focus on what is universal life insurance and the different sub types of to consider before buying coverage. 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 our business interests. It can be bought in many flavors so to speak. …

Guaranteed Universal Life (GUL) vs. Traditional Universal Life (UL): What You Need to Know

by Special Risk Life Insurance

If you’ve ever owned a traditional universal life insurance policy, you might already know the pain points. Back in the 1980s and 1990s, interest rates were sky-high, and policies were designed assuming they’d stay that way. Fast forward a few decades, and that assumption has caused real problems. We’ve spoken with dozens of policyholders who’ve seen their premiums double—or worse. What went wrong? It’s simple: Many people discovered too late that their policy would require …

Guidance For High Risk Life Insurance

by M. J. Flajole

Looking into high risk life insurance is certainly not pleasant, let alone straight forward. No one enjoys shopping for insurance but it does not have to be a pain either. Financial planning is something we have to be responsible for and deal with it while we can. Their are certain companies on market which we define as niches. These niche companies are more flexible in certain situations than other insurers are for specific, high risk …

What Type of Life Insurance – How to Choose

by Special Risk 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 insurance, it is just a never ending battle. So here today in this post, we are going to talk about …