Life Insurance & Annuity Experts (888) 539-1633

premiums

Couple happy with their life policy quote on beach at sunset. — Did you know that waiting just one year to get a life insurance quote could cost you hundreds more in premiums? Or that a minor health change—like a high cholesterol diagnosis—could raise your rates? Life insurance is one of those things people often put off, thinking they will get to it later. But […]

What Is The Best Time To Get A Life Policy ...

April 2, 2025 in life tagged Financial planning / insurability / life insurance quotes / premiums by Jose Lerma

Old Asian couple smiling. — Everything Together When you’ve been with someone for so many years, it may seem like you have everything together. It could be children, houses, cars, bank accounts, or businesses, but how about life insurance? A joint life insurance policy is a practical option for married couples, domestic couples, and business partners. […]

What is Joint Life Insurance?

August 17, 2022 in life / Medicare / Uncategorized tagged beneficiary / insurance coverage / joint life insurance / life insurance riders / premiums by Kayla Gonzalez

life insurance riders — Life Insurance Riders Riders are benefits that can be added to an already existing policy. You purchase different ones to customize the coverage to your liking. The additions do cost extra so it is important to only choose the ones that you would truly benefit from. Here are some of […]

Life Insurance Riders

March 29, 2021 in Health / life / Medicare tagged Accelerated Benefits / benefits / life insurance riders / premiums by Kayla Gonzalez

insurance agent — Insurance agents are the middleman between you and an insurance provider. They ensure that you are the greatest bang for your buck, and their top priority is meeting your needs. In case you didn’t know, here is a list of what your insurance agent can do for you. Evaluate Coverage […]

What Your Insurance Agent Can Do For You

March 15, 2021 in Health / life / Medicare tagged Financial planning / insurance agents / insurance coverage / premiums by Kayla Gonzalez

Return of Premium policies are an attractive option to people who want to have coverage, but don’t want to be sinking money into a whole life policy. The name of the policy is self explanatory: At the end of the term, the policyholder will receive their premium back in full […]

Return of Premium Policies

March 12, 2021 in life tagged life insurance / life insurance riders / premiums / whole life insurance by Jeffrey Cooperstein

Insurance companies have interesting ways to determine premiums. All of them use medical records to help determine your risk, while others actually have you undergo a medical test, including blood and urine tests. We get quite a few questions about life insurance and how carriers calculate the specific cost of […]

How Do Insurance Companies Determine Premiums?

April 15, 2020 in life tagged cost of life insurance / economics / life insurance / premiums by Jenny McCann

What is Guaranteed Issue Life Insurance? Guaranteed issue Life Insurance is defined as “Guaranteed issue life insurance (or guaranteed acceptance life insurance) is a life insurance policy with no health qualifications.” states Investopedia. These policies are usually faced towards the elderly, or those with serious medical issues, including those with […]

What is Guaranteed Issue Life Insurance?

March 25, 2020 in life tagged Guaranteed Issue Life Insurance / life insurance / premiums by Jenny McCann

genetic testing — How Genetic Testing Affects Your Chances of Getting Life Insurance Do you know that taking a genetic test in your 20s or 30s could hurt your chances of getting life insurance? At the very least, it can raise the price you pay. And what if you already have a plan. […]

Can Genetic Testing Prevent You From Getting Life Insurance?

August 17, 2018 in life tagged benefits / buying life insurance / premiums / Underwriting by Jenny McCann

Ways to Use a Life Insurance Policy — 20 Different Ways to Use a Life Insurance Policy, Part 2 To better choose which life insurance policy is best for you, it is important to know why you need life insurance and how you want to use it! There are so many different ways to use a life insurance […]

20 Different Ways to Use a Life Insurance Policy, Part ...

June 15, 2018 in life tagged cash value / long term care insurance / premiums / retirement planning by Jenny McCann

Many consumers shopping for life insurance want to know if the monthly premium is tax-deductible. However, there is not a straight-forward answer that encompasses all situations. For instance, some people get their life insurance through their employer, whereas some get it individually. The answer varies for both circumstances. Watch the […]

Are Life Insurance Premiums Tax-Deductible?

August 24, 2017 in life tagged life insurance / premiums / taxes by Jenny McCann