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/.

No-Exam Term Life Insurance: Best Options for 2026

Life insurance is a cornerstone of financial planning, providing peace of mind that your loved ones will be financially protected if the unexpected happens. Traditionally, obtaining life insurance involved a lengthy application process culminating in a medical exam, complete with needles and physical assessments. However, the insurance landscape is evolving. Today, securing robust term life…
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Cash Value Life Insurance: Best Companies for 2026

Planning for your financial future involves exploring various tools, and life insurance often plays a crucial role. While term life insurance provides coverage for a specific period, permanent life insurance options, particularly those with a cash value component, offer lifelong protection alongside a unique savings or investment feature. Understanding how this works and identifying the…
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SBLI Life Insurance Review [2025]: Rates & Ratings

Choosing the right life insurance policy is one of the most important financial decisions you can make for your family’s future. With so many carriers on the market, understanding your options is key. Savings Bank Life Insurance, commonly known as SBLI, is one company you might encounter in your search. But is it the right…
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Sun Life Insurance Review 2025: Is It Right For You?

Choosing the right insurance – whether it’s life, dental, disability, or health coverage – is one of the most important financial decisions you can make. It’s about protecting yourself, your family, and your future. You’ve likely come across major providers like Sun Life Financial during your search. With a long history and a wide array…
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Best Medigap Options for 2025: Compare Top Plans

Navigating the world of Medicare can feel overwhelming, especially when it comes to figuring out how to cover costs that Original Medicare (Part A and Part B) doesn’t pay. That’s where Medicare Supplement Insurance, also known as Medigap, comes in. These plans help fill the “gaps” in your coverage, providing peace of mind and more…
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Senior Final Expense Insurance: Best Plans for 2026

Planning for the future often involves ensuring loved ones aren’t burdened with unexpected costs after you’re gone. End-of-life expenses, including funerals, medical bills, and outstanding debts, can add significant financial stress during an already difficult time. Fortunately, a specific type of life insurance known as final expense insurance is designed precisely to cover these costs.…
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Amica vs Americo Life Insurance: 2025 Guide

Choosing the right life insurance policy is one of the most significant financial decisions you can make for your family’s future. It provides a crucial safety net, ensuring your loved ones are financially supported if the unexpected happens. With numerous insurance companies vying for your attention, understanding the differences between carriers like Amica Life Insurance…
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AIG Life Insurance Review: 2026 Rates & Ratings

Planning for your family’s financial future is one of the most important steps you can take. Life insurance plays a crucial role in that plan, providing a safety net during difficult times. You’ve likely come across major insurance carriers in your research, and American International Group, commonly known as AIG, is undoubtedly one of them.…
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AAA Life Insurance Review (2025): Rates & Options

Navigating the world of life insurance can feel overwhelming. You know you need coverage to protect your loved ones, but deciphering policy types, comparing rates, and understanding underwriting requirements takes time and effort. Many people recognize the AAA name, known primarily for roadside assistance and travel services, and wonder about their life insurance offerings. If…
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Colonial Penn Life Insurance Review 2025: $9.95 Plan Facts

Planning for the future often includes ensuring your loved ones are financially protected after you pass away. Life insurance is a key tool for this, designed to cover final expenses like funeral costs, medical bills, or outstanding debts, and provide ongoing support for beneficiaries. You’ve likely seen the television commercials for Colonial Penn life insurance,…
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