Joshua Wahls, Author at Insurance By Heroes

All Posts By Joshua Wahls

FIUL Explained: Is It Right for You? (Updated for 2025)

Navigating the world of life insurance and financial planning can feel overwhelming. With so many options available, each with its own set of rules, benefits, and potential drawbacks, how do you choose the right path for your family’s future? One product you might encounter is Fixed Indexed Universal Life insurance, often abbreviated as FIUL. Understanding…

Simple Term Life Insurance Explained [2025 Update]

Life insurance is a cornerstone of financial planning, providing a vital safety net for your loved ones if the unexpected happens. But navigating the world of insurance policies can often feel overwhelming. You might hear terms like whole life, universal life, and term life, each with its own complexities. For many individuals and families seeking…

Overfunded Life Insurance Explained (Updated for 2025)

Life insurance is often thought of purely as a safety net for loved ones after you pass away. While providing that crucial death benefit is its primary function, certain types of life insurance offer powerful features that can be leveraged during your lifetime. One such strategy involves intentionally paying more into a policy than required…

Nationwide IUL Explained [2025 Update]

Life insurance is a cornerstone of sound financial planning, providing peace of mind and security for loved ones. Among the various types available, Indexed Universal Life (IUL) insurance has gained significant attention for its unique blend of protection and potential cash value growth. Nationwide is one of the major insurance carriers offering IUL policies. This…

$100k Life Insurance: Guide for 2025

Securing your family’s financial future is one of the most important steps you can take. Life insurance provides a crucial safety net, offering peace of mind that your loved ones will be supported even if you’re no longer there. For many individuals and families, a $100,000 life insurance policy offers a significant layer of protection,…

Find My Life Insurance Policy: 2025 Guide

Losing a loved one is incredibly difficult. Amidst the grief and administrative tasks, trying to locate essential documents like a life insurance policy can add significant stress. You might vaguely remember a policy being mentioned, or perhaps you’ve found hints of payments, but the actual paperwork is missing. Knowing how to effectively search for a…

Equitable Life Policy Lookup Guide (2025 Update)

Finding details about a life insurance policy, especially one from a long-standing company like Equitable, is a common need. Whether you’re the policyholder wanting to review your coverage, or a beneficiary trying to locate benefits after a loved one has passed, navigating the process requires the right information. This guide provides updated information for 2025…

Average Life Insurance Policy in 2025: How Much Is Enough?

Figuring out life insurance can feel overwhelming. One question we often hear is, “What’s the average life insurance policy amount people get?” It’s a natural starting point, but relying on averages can be misleading when it comes to protecting your family’s financial future. The truth is, the “average” policy might be far less than what…

Term Life Cost Explained: Rates for 2025

Securing your family’s financial future is a fundamental responsibility. Life insurance plays a critical role in providing that safety net, ensuring your loved ones are protected if the unexpected happens. Among the various types of life insurance, term life insurance stands out as a popular and often highly affordable option. But a common question arises:…

Understanding Transamerica IUL Insurance in 2025

Navigating the world of life insurance can feel complex, especially when exploring options beyond basic term coverage. Indexed Universal Life (IUL) insurance is one such option, offering a combination of permanent death benefit protection and the potential for cash value growth linked to market indexes. Transamerica is a well-known provider in this space, and their…

State

Date of Birth

Gender

MaleFemale

Smoker

YesNo

Type of Insurance

Coverage

First Name

Last Name

Email Address

Phone Number