All Posts By Joshua Wahls
Joshua Wahls is the founder of Insurance By Heroes, an independent life insurance agency based in Pasadena, Maryland. He helps consumers compare life insurance options across multiple carriers, with a focus on term life, final expense, no-exam coverage, high-risk underwriting, and life insurance for families with health conditions. National Producer Number: 19191959. View licensing and verification details at https://insurancebyheroes.com/licensing/.

Case Study: LTC vs IUL vs Whole Life for Care Planning at $300-$500/mo

A decision-focused case study comparing dedicated long-term care insurance, F&G Pathsetter IUL, and Penn Mutual Accumulation Whole Life designs at roughly $300 and $500 per month.
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IUL cost of insurance timeline showing rising age-based annual renewable term cost pressure

Why Cash Value Matters in IUL: The Rising Cost of Insurance Problem

In an indexed universal life policy, the internal cost of insurance generally rises with age. Cash value matters because it can reduce net amount at risk and help support long-term policy durability.
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IUL renewal cap rate scorecard showing F&G ahead of Pacific Life and Lincoln Financial

IUL Renewal Cap Rates: Why F&G Looks Stronger Than Pacific Life and Lincoln

A side-by-side look at IUL cap rates and renewal cap rates shows why F&G appears stronger than Pacific Life and Lincoln for long-term indexed universal life performance.
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Cheap Term Insurance: Best Plans in 2026

Protecting your loved ones financially is one of the most important responsibilities many of us face. Life insurance provides that crucial safety net, ensuring your family can maintain their standard of living, cover debts, and fund future goals even if you’re no longer there. But navigating the world of life insurance can feel overwhelming, especially…
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KofC Term Life Rates 2026: Your Guide

Planning for your family’s financial security is one of the most important steps you can take. Life insurance forms a crucial part of that plan, providing a safety net during difficult times. For members of the Knights of Columbus, their own insurance program is often a primary consideration. Understanding Knights of Columbus term life insurance…
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Best Term Life Insurance: A 2026 Consumer Guide

Securing your family’s financial future is one of the most important steps you can take. Life insurance, particularly term life insurance, often forms the cornerstone of that protection. But with so many options available, how do you choose the right policy? Many people look for resources similar to “term life insurance consumer reports” to find…
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Compare Over 60s Life Insurance: 2026 Guide

Thinking about life insurance after age 60? You’re not alone. Whether you’re planning for final expenses, aiming to leave a legacy for loved ones, or ensuring debts aren’t left behind, securing the right life insurance policy is a significant step towards peace of mind. However, navigating the options can feel overwhelming. Premiums, policy types, coverage…
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Compare Term Life Insurance: 2026 Guide

Choosing the right life insurance policy is one of the most important financial decisions you can make for your loved ones. Term life insurance, known for its affordability and simplicity, is a popular choice for many families seeking protection during critical years. However, the market is vast, with dozens of carriers offering seemingly similar products.…
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Transamerica No Medical Exam Life Insurance (2026)

Securing Life Insurance Quickly: Understanding Transamerica No Medical Exam Options in 2025 Life insurance is a fundamental pillar of financial planning, providing a vital safety net for your loved ones if the unexpected happens. However, the traditional application process, often involving medical exams, blood tests, and lengthy waiting periods, can be a significant hurdle for…
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AIG No-Exam Term Life: 2026 Facts & Review

Life insurance is a cornerstone of financial planning, providing a vital safety net for your loved ones should the unexpected happen. Traditionally, getting coverage involved a lengthy process, often including medical exams with needles and questionnaires about your health history. However, the insurance landscape is evolving. Many carriers now offer streamlined options, and one prominent…
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