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/.

Thrivent Horizon Universal Life: 2026 Review

Planning for your financial future involves making crucial decisions, and life insurance often plays a central role in providing security and peace of mind for your loved ones. Among the various types of life insurance available, Universal Life (UL) insurance stands out for its flexibility. One specific policy you might encounter is Thrivent Horizon Universal…
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Term vs Universal Life Insurance: 2025 Guide

Understanding Your Life Insurance Choices: Term vs. Universal Life insurance is a cornerstone of sound financial planning, providing a vital safety net for your loved ones in the event of your passing. It offers peace of mind, ensuring that financial obligations like mortgages, debts, education costs, and daily living expenses can be managed even when…
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Suze Orman on IUL Insurance: 2025 Facts & Alternatives

Financial advice often comes with strong opinions, and few voices are as recognizable or influential as Suze Orman. When complex products like Indexed Universal Life (IUL) insurance enter the conversation, many people wonder: what does Suze think? Understanding the perspective of prominent financial figures like Suze Orman on indexed universal life insurance is helpful, but…
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Term vs. Universal Life Insurance: Which Is Better in 2026?

Life insurance is a cornerstone of sound financial planning, providing a vital safety net for your loved ones should the unexpected happen. But navigating the world of life insurance can feel overwhelming, with various types, terms, and features to consider. Two of the most common categories you’ll encounter are Term life insurance and Universal Life…
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Guardian Universal Life: 2026 Review

Navigating the world of life insurance can feel overwhelming. With so many types of policies and carriers, how do you choose the right one for your family’s future? Universal Life (UL) insurance is a popular option offering flexibility and lifelong protection, and Guardian is a well-respected name in the industry often associated with these policies.…
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AXA Universal Life Review 2025: Is It Right For You?

Understanding Your Life Insurance Options in 2025 Choosing the right life insurance policy is one of the most significant financial decisions you can make for your family’s future. It provides peace of mind, knowing that your loved ones will be financially supported if the unexpected happens. With various types of life insurance available, from term…
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American National Universal Life Insurance: 2026 Review

Understanding Your Life Insurance Options: A Look at Universal Life Planning for the future involves making crucial decisions, especially when it comes to protecting your loved ones financially. Life insurance is a cornerstone of this planning, providing a safety net should the unexpected happen. Among the various types of life insurance available, permanent policies like…
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American National Signature GUL: 2026 Review

Planning for the future often involves ensuring your loved ones are financially protected, no matter what happens. Life insurance is a cornerstone of this planning, but navigating the different types of policies can feel overwhelming. One option designed for stability and lifelong peace of mind is Guaranteed Universal Life (GUL) insurance. Among the providers offering…
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American General Universal Life Insurance: 2026 Review

Navigating the world of life insurance can feel complex, especially when considering permanent policies like universal life (UL). Universal life insurance offers lifelong coverage combined with a flexible structure and cash value growth potential, making it an attractive option for many long-term financial goals. One prominent provider in this space is American General Life Insurance…
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Allianz Life Pro+ FIUL: 2026 Review

Life insurance is a cornerstone of financial planning, providing peace of mind that your loved ones will be financially protected if you are no longer there. While traditional term life insurance offers straightforward coverage for a set period, other types of policies offer lifelong protection combined with features designed for wealth accumulation. One such category…
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