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A husband and wife play with their children at home. — If you’ve never ventured into the world of life and annuity insurance, well, today is your day to explore this new avenue. There are many differences between life and annuity insurance. So, what are the specific distinctions of each type? What is an annuity? An annuity is an investment opportunity to […]

What is the Difference Between Life and Annuity Insurance?

July 17, 2024 in life tagged annuities / cash value / life insurance / universal life insurance / whole life insurance by Joey Hinojosa

There are many types of life insurance to protect you and your family. — Photo by Mikhail Nilov from Pexels Paint a picture of a future where your loved ones are financially secure, regardless of life’s uncertainties. What does that future look like? Does it have them in a new home or having to downgrade and move? Does it have them enjoying the fruits […]

Types of Life Insurance: A Comprehensive Guide

May 8, 2024 in life tagged life insurance / term life insurance / types of life insurance / whole life insurance by Jose Lerma

In the forest, a father holds his daughter and reads her a book. — The best life insurance covers everything you need in your present and protects your future as well. If you are unfamiliar with life policies and their terms, let’s look at what you must know before purchasing a life insurance plan. What is it? At its core, life insurance offers a […]

What is the Best Life Insurance?

March 27, 2024 in life tagged benefits of life insurance / buying life insurance / life insurance agent / life insurance terms / whole life insurance by Joey Hinojosa

Family members are seen eating a meal together. — Younger people do not necessarily consider buying life insurance. It’s not something you usually think about when you are in your early 20s and starting a full-time job right out of college. What age should you buy life insurance? Are there benefits to purchasing a policy at a younger age? […]

When do I buy life insurance?

February 1, 2023 in life / Medicare tagged permanent life insurance / term life insurance / universal life insurance / whole life insurance by Joey Hinojosa

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

term vs. whole life insurance — TERM VS. WHOLE LIFE INSURANCE As a new employee of Empower Brokerage, I am beginning to understand the overwhelming feeling that comes along with learning about insurance. There seems to be a million terms and concepts that accompany it. And just when you think you got those down, a million […]

Term vs. Whole Life Insurance

March 8, 2021 in Health / life tagged cash value / Savings / term life insurance / whole life insurance by Kayla Gonzalez

Insurance For Retirement — How To Use Life Insurance to Supplement Retirement Income Enrique Torres, Life and Financial Product Specialist at Empower Brokerage, shares how to use life insurance for retirement. Specifically, permanent life insurance and how it can complement your retirement planning. Most of us think of saving money for retirement in either […]

How To Use Life Insurance to Supplement Retirement Income

January 29, 2021 in life tagged cash value / Financial planning / permanent life insurance / retirement planning / whole life insurance by Jenny McCann

According to a recent report from Hartford Financial Services Group, COVID-19 might have caused an increase in U.S. life claims – $2 billion. Hartford alone has already incurred around $38 million in outbreak-related group benefits claims. Hartford stated that group benefit losses “relate mostly to group life claims.” Hartford Claims […]

Increase In U.S. Life Claims Due To COVID-19

July 24, 2020 in life tagged technology / term life insurance / unemployment / whole life insurance by Jadon Sennet

What is Single Premium Life Insurance? What is Single-Premium Life Insurance? According to Investopedia, this type of insurance charges the policyholder a single up-front premium payment to fully fund the policy. Single-Premium Life (SPL) Insurance can be a good option for those who want to pay a lump sum and […]

What is Single Premium Life Insurance?

March 26, 2020 in life tagged cost of life insurance / life insurance / single premium life insurance / whole life insurance by Jenny McCann

What is Key Person Life Insurance Key Person Life Insurance is life insurance that can help protect your business. Traditionally Key Person Life Insurance is used for any employee or person that is critical for your business. It could be a business partner or even an employee. Key Person Life […]

What is Key Person Life Insurance

March 22, 2020 in life tagged Financial planning / term life insurance / universal life insurance / whole life insurance by Jenny McCann