Joshua Wahls, Author at Insurance By Heroes

All Posts By Joshua Wahls

UL Insurance Explained: Flexible Life Coverage (2025 Guide)

Understanding Universal Life Insurance in 2025 Life insurance is a cornerstone of sound financial planning, providing a safety net for your loved ones if the unexpected happens. While term life insurance offers coverage for a specific period, permanent life insurance options like Universal Life (UL) insurance provide lifelong protection combined with a cash value component…

Best Life Insurance for Diabetics [2025 Guide]

Living with diabetes presents unique challenges, and navigating the world of life insurance can often feel like one of them. Many diabetics worry that coverage is either completely unavailable or prohibitively expensive. We’re here to tell you that’s often not the case. Finding affordable, quality life insurance is achievable for many individuals managing diabetes, even…

EIUL Guide: Equity Indexed Life Insurance Explained (2025)

Life insurance is a cornerstone of financial planning, providing peace of mind and security for your loved ones. But beyond the traditional death benefit, some types of life insurance offer the potential for your money to grow over time. One such option that has gained attention is Equity Indexed Universal Life (EIUL) insurance. Combining elements…

Best Life Insurance for Pre-Existing Conditions [2025 Guide]

Finding Life Insurance with Health Issues: Your 2025 Guide Applying for life insurance can feel daunting, especially if you have a pre-existing medical condition. You might worry about being denied coverage or facing unaffordable premiums. The good news is that securing life insurance with conditions like diabetes, heart disease, high blood pressure, or even a…

AM Best Life Insurance Ratings Explained (2025 Guide)

Choosing a life insurance policy is one of the most important financial decisions you can make for your loved ones. It’s a promise – a guarantee that financial support will be there when you no longer can be. But how can you be sure the company making that promise will still be around and financially…

NY Life AM Best Rating Explained (2025 Update)

Securing your family’s financial future is one of the most important steps you can take. Life insurance plays a vital role in providing that security, acting as a safety net during life’s most challenging moments. But how do you know if the insurance company you choose will be there when your loved ones need them…

Renewable Term Life Insurance Explained (Updated for 2025)

Life insurance is a cornerstone of financial planning, providing a vital safety net for your loved ones. But navigating the different types of policies can feel overwhelming. One option you might encounter is Renewable Term Life Insurance, often called Annual Renewable Term (ART) or Yearly Renewable Term (YRT). Understanding how it works, its pros and…

Best Permanent Life & LTC Insurance Options for 2025

Planning for the future involves navigating complex financial decisions. Two significant concerns for many individuals and families are ensuring lifelong financial security for loved ones and preparing for the potential costs of long-term care (LTC). Fortunately, the insurance marketplace offers solutions designed to address these needs, including permanent life insurance, traditional long-term care insurance, and…

Smart Life Insurance Quotes for 2025: Easy Guide

Life insurance is a cornerstone of sound financial planning, providing a vital safety net for your loved ones in your absence. It offers peace of mind, ensuring that mortgages can be paid, educational goals can be met, and daily living expenses can be covered. However, navigating the world of life insurance quotes can feel overwhelming.…

Best Return of Premium Life Insurance: 2025 Guide

Life insurance provides essential peace of mind, ensuring your loved ones are financially protected if the unexpected happens. Traditional term life insurance offers this protection for a specific period (the “term”). But what if you outlive that term? Typically, the policy expires, and that’s that. However, there’s a specific type of policy designed for this…

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