Life Insurance Company Safety

How Safe Are Life Insurance Companies? If the life insurance company is a legal reserve life insurance company, the answer is very safe. Under the legal reserve system, a life insurance company must have a policy reserve fund into which a large percentage of each premium dollar goes. This fund is the method by which a legal reserve…

Continue Reading →

Life Insurance Company Ratings: What you need to know

About Life Insurance Company Ratings Life insurance company ratings are simply a “score” or a “grade” that is periodically assigned to a company by an independent rating agency. It is an opinion of a company’s financial strength, which relates directly to a company’s ability to meet its insurance claims obligations. These ratings are based on…

Continue Reading →

Cheap Term Life Insurance

cheap term life insurance

Finding Cheap Term Life Insurance Rates Are you looking for cheap term life insurance? If so, surf on over to our term insurance rates page you can find quotes from over 100 companies, including the “cheap” (or as we like to call them, the inexpensive) companies. Term insurance has become, in many ways, a commodity.…

Continue Reading →

Term vs Whole Life Insurance

Quite a bit has been made about the evils of whole life insurance, especially by the television and radio financial gurus like Suze Orman and Dave Ramsey. Term life insurance, they argue, provides more coverage at a considerably lower cost. Dave Ramsey calls whole life insurance “a rip off”. This article will explore the term…

Continue Reading →

Life Insurance for Cigar Smokers

Life Insurance for Cigar Smokers at Non-Smoker Rates? Yes, absolutely! This is the fun part about being an independent life insurance agent representing over 100 different companies. Unlike “captive agents” (those representing only one carrier) we represent just about every competitive life insurance company in the market today. This means that we can find the…

Continue Reading →

Protective Life Insurance

Direct from the Protective Life Insurance company website… According to the Protective Life Insurance website: Life insurance is a valuable planning tool that can be a part of your overall financial strategy, it can stand alone as a single source of protection. It provides security for your loved ones when they need it most, and…

Continue Reading →

Best Life Insurance Companies: A Handy Guide

Here is a handy guide to the best life insurance companies Choosing the “best” life insurance company for your needs really boils down to finding a company that will: issue the type of policy that you want (term, universal life, whole life, etc.)… with the features that are important to you (convertibility, child riders, return…

Continue Reading →