Joshua Wahls, Author at Insurance By Heroes

All Posts By Joshua Wahls

Mercer Group Universal Life Explained [2025]

Navigating the world of life insurance can feel complex, with various types of policies offering different features and benefits. One option you might encounter, particularly through an employer or association, is Group Universal Life (GUL) insurance. Mercer is one well-known name often associated with administering or providing access to group benefits, including potentially group universal…

TransElite Universal Life Review 2025: Is It Right For You?

Life insurance is a cornerstone of sound financial planning, providing peace of mind and crucial support for loved ones when you’re no longer there. Within the diverse landscape of life insurance products, universal life (UL) policies offer a unique blend of lifelong protection and flexibility. One specific option you might encounter is Transamerica’s TransElite Universal…

Oxford Life Annuity Rates (Updated for 2025 Guide)

Secure Your Retirement: Understanding Oxford Life Annuity Rates in 2025 Planning for retirement often brings a mix of excitement and questions. Chief among them is how to ensure a stable, predictable income stream that lasts throughout your golden years. Annuities represent one potential solution, offering a contract with an insurance company designed to provide reliable…

Universal Index Policy Guide (Updated for 2025)

Navigating the world of life insurance can feel complex, with various policy types offering different features and benefits. One option that often generates interest due to its unique structure is the Universal Index Policy, commonly known as Indexed Universal Life (IUL) insurance. Understanding how it works, its potential advantages, and its inherent risks is crucial…

IUL Policy Explained (Updated for 2025)

Planning for your financial future involves navigating a complex landscape of options. Life insurance is a cornerstone of that planning, providing crucial protection for your loved ones. But beyond basic term coverage, there lies a world of permanent policies designed to offer lifelong security and potential cash value growth. One such option that generates significant…

Universal Index Life Policy Explained 2025

Understanding Universal Index Life Insurance in 2025 Life insurance can feel like a complex puzzle, with various types and features to understand. One piece of that puzzle generating significant interest is the Universal Index Life (UIL) policy. If you’re exploring permanent life insurance options that offer both a death benefit and the potential for cash…

Prudential Universal Life Review (2025): Is It Right for You?

Planning for your financial future and ensuring your loved ones are protected is one of the most important responsibilities we face. Life insurance plays a crucial role in that planning, offering peace of mind and financial stability when it’s needed most. Among the various types of life insurance, Universal Life (UL) stands out for its…

Variable Life Insurance Benefits (2025 Guide)

Life insurance is a cornerstone of sound financial planning, providing crucial protection for your loved ones in the event of your passing. But beyond the basic death benefit, certain types of life insurance offer additional features designed to meet diverse financial goals. One such option is Variable Life Insurance (VLI), a type of permanent coverage…

Colonial Penn 999 Plan Review (Updated for 2025)

Understanding the Colonial Penn 999 Plan in 2025 You’ve likely seen the commercials featuring Alex Trebek or Jonathan Lawson talking about life insurance for just $9.95 a month. This is the widely advertised Colonial Penn 999 Plan, a guaranteed acceptance whole life insurance policy. But what exactly do you get for that $9.95, and is…

Transamerica IUL Review [2025]: Pros, Cons & Options

Navigating the world of life insurance can feel complex, especially when exploring options like Index Universal Life (IUL) insurance. You want protection for your loved ones, but you might also be looking for ways to build cash value with growth potential linked to the market, without direct market risk. Index Universal Life insurance aims to…

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