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Reviews

Life insurance is a long term proposition. How do you know the insurance company you are doing business with today will be there when you need them several years from now? Of course there is no way to predict the future and anything could happen. But it’s just plain smart to understand a little about the insurance company you are dealing with before signing a contract.

Here are a number of reviews to help you get an insider peak at several insurance companies as of the date of the review. As I said, things change so make sure you re-examine the current financial strength of any insurance company you are dealing rather than rely on past reviews.

Bundling Life Insurance with Other Policies Isn’t Always the Best Strategy

May 15, 2014 by Kevin Mercadante

When buying life insurance – or any other type of insurance – bundling has become the buzzword of choice. “Bundle” all of your insurance policies – life, homeowners, auto, and business – with the same provider and you’ll save a fortune. Generally speaking, that may be true, at least from a cost standpoint. But it’s …

Read moreBundling Life Insurance with Other Policies Isn’t Always the Best Strategy

Transamerica Life Insurance Company Review

March 3, 2014 by Neal Frankle

So what if Transamerica has been around since 1928? Who cares if the founder of Bank of America is the same guy who started this life insurance company? Are they a good company today? That’s the only thing that matters. Right? What follows is a deep dive into Transamerica to answer three questions: Is Transamerica …

Read moreTransamerica Life Insurance Company Review

Could Your Life Insurance Company Go Out of Business?

October 10, 2013 by Kevin Mercadante

If you remember the financial meltdown a few years ago, you probably also remember that a number of banks, mortgage companies and other financial institutions failed and went out of business during that unfortunate time. But one industry sector where failure was rare was life insurance companies. Could a life insurance company fail and go …

Read moreCould Your Life Insurance Company Go Out of Business?

Online Life Insurance – Not So Fast

January 28, 2013 by Neal Frankle

You are probably doing more and more business online and that’s smart. It’s easy to research and save money and time when you let your fingers do the work. But is it safe to buy life insurance online? Yes and No. The Pros of Online Life Insurance Again, it’s just smart to figure out how …

Read moreOnline Life Insurance – Not So Fast

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Insurance Categories

  • TermTerm life insurance can be a wonderful way to protect your family very inexpensively. This section is full of articles which explain the ins and outs of term life; how much you might need, how to buy it inexpensively and where the best places are to buy the coverage you need. This section also discusses some types of term life you might want to avoid.
  • High RiskIf you have an illness or disease you may think that it will be impossible to buy life insurance. Actually, that is not true. Many insurance companies cater specifically to people like you. Here’s how to get the coverage you need at a price you can afford even if you face health challenges.
  • Disability
  • WholeMany life insurance agents love selling whole and universal life. Of course they make very fat commissions from these products. But are they the best choices for you? In some cases, maybe. But in many cases, whole life is not your best bet. This section explains how whole life works and who it might be best suited for.
  • SeniorsSeniors face unique challenges when it comes to life insurance. The older we are, the more expensive life insurance is. Also, as we age, we encounter more health challenges and those can also make it more difficult for seniors to find affordable life insurance. These posts will help you understand the market for senior life insurance and how to get the right coverage in place at the right price.
  • ReviewsLife insurance is a long term proposition. How do you know the insurance company you are doing business with today will be there when you need them several years from now? Of course there is no way to predict the future and anything could happen. But it’s just plain smart to understand a little about the insurance company you are dealing with before signing a contract. Here are a number of reviews to help you get an insider peak at several insurance companies as of the date of the review. As I said, things change so make sure you re-examine the current financial strength of any insurance company you are dealing rather than rely on past reviews.
  • No ExamBuying life insurance usually involved filling out forms, getting a physical, the insurance company looking through your doctor’s records and you waiting for several weeks for an answer. If you don’t have the time or patience for this, you might consider buying ‘No Exam” life insurance. Here are several posts to help you understand the pros and cons of this decision and how to go about this and save the most money you can.
  • Estate TaxEstate tax is not something most people need to worry about – at least for now. But it’s an important topic to understand none-the-less. That’s because Congress could change the law. If they do that, you might very well find yourself facing a stiff and devastating estate tax problem. Having said that, if you don’t have a taxable estate right now, it’s important to understand that too. Don’t let insurance agents sell you a solution for a problem you don’t really have.

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