Wednesday, March 09, 2016

Buying life insurance can be confusing.  There are all these different types.  Whole life, participating whole life, simplified issue, term life, universal life, variable universal life, indexed universal life, single premium life, guaranteed universal life, level, graded, modified, guaranteed issue, non med, fully underwritten, premium financed, second to die; enough to make your head explode.

Let’s simplify things by stating that all life insurance is term life. 
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Wednesday, March 09, 2016

Buying life insurance can be confusing.  There are all these different types.  Whole life, participating whole life, simplified issue, term life, universal life, variable universal life, indexed universal life, single premium life, guaranteed universal life, level, graded, modified, guaranteed issue, non med, fully underwritten, premium financed, second to die; enough to make your head explode.

Let’s simplify things by stating that all life insurance is term life. 
READ MORE


What Are "Living Benefits"?
Monday, March 14, 2016

In relation to life insurance, everyone knows what a “death benefit” is.  It is the obvious reason that most consumers buy it.  If (when) they die, a beneficiary collects the face amount of the policy.  Pretty basic stuff.

In recent years some attention has been given by carriers to provide benefits that an insured could take without the inconvenience of being dead.  Some refer to it as life insurance you don’t have to die to use.  In the industry we refer to these as “Living Benefits” for obvious reasons. 

What are Living Benefits?  READ MORE



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