Joshua Wahls, Author at Insurance By Heroes

All Posts By Joshua Wahls

Buy Whole Life Insurance Now? 2025 Guide

Thinking about securing your family’s financial future? Life insurance is a cornerstone of sound financial planning, offering peace of mind and protection for your loved ones. Among the various types available, whole life insurance stands out for its permanence and cash value growth. But is it the right choice for you, and is now the…

Whole Life Paid Up at Age 70 Explained (Updated for 2025)

Planning for the future involves securing financial stability for yourself and your loved ones. Life insurance is a cornerstone of that planning, providing a safety net and peace of mind. Among the various types available, permanent life insurance offers lifelong coverage. A specific and increasingly popular variation is whole life paid up at age 70.…

Whole Life Beneficiary Guide (Updated for 2025)

Understanding Your Whole Life Insurance Beneficiary Life insurance is a cornerstone of sound financial planning, providing a vital safety net for your loved ones after you’re gone. Among the various types available, whole life insurance stands out for its lifelong coverage and cash value accumulation component. But a policy is only as effective as its…

Whole Life Rate of Return Explained (Updated for 2025)

Whole life insurance is often discussed as a cornerstone of long-term financial planning, offering both a guaranteed death benefit and a cash value component that grows over time. But how exactly does that cash value grow? Understanding the concept of the whole life rate of return is crucial for anyone considering this type of policy.…

Surrendering Whole Life Insurance? Guide [2025 Update]

Considering Surrendering Your Whole Life Insurance Policy? Read This First (Updated for 2025) Whole life insurance is often purchased with the intention of keeping it for, well, your whole life. It provides a guaranteed death benefit for your loved ones and builds cash value over time on a tax-deferred basis. However, life circumstances change. Financial…

Finding Your Best Life Insurance Fit 2025

Securing Your Future: Why Personalized Life Insurance Matters Life insurance is one of the most crucial financial safety nets you can put in place for your loved ones. It provides peace of mind, knowing that should the unexpected happen, your family will have financial support to cover expenses, maintain their standard of living, and pursue…

Juvenile Whole Life Insurance Guide (Updated for 2025)

Planning for your child’s future involves many considerations, from education savings to ensuring their well-being. One financial tool that often comes up is life insurance. While it might seem counterintuitive to insure a child, juvenile whole life insurance offers unique benefits that extend far beyond a simple death benefit. It’s a way to provide lifelong…

Non-Direct Recognition Whole Life Explained (2025 Guide)

Life insurance often feels complex, a maze of terms and options. Whole life insurance, known for its permanence and cash value growth, adds another layer with concepts like policy loans and dividend recognition. Understanding these details, particularly the difference between direct and non-direct recognition, is crucial for making informed decisions about your financial security. This…

Modified Term Life Insurance Explained (Updated for 2025)

Life insurance is a cornerstone of financial planning, providing a crucial safety net for your loved ones if you pass away unexpectedly. It ensures that financial obligations like mortgages, debts, daily living costs, and future goals like college education can still be met. Within the broad category of life insurance, term life insurance is a…

Overfunded Life Insurance Guide (Updated for 2025)

Life insurance often brings to mind its primary purpose: providing a financial safety net for loved ones after your passing. However, certain types of permanent life insurance offer much more than just a death benefit. When structured correctly, policies like whole life or universal life can become powerful financial tools, accumulating cash value that grows…

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