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/.

Group Universal Life Insurance Through Mercer – 2026

Understanding Group Universal Life insurance Life insurance comes in many forms, each designed to meet different needs and financial goals. One type you might encounter, often through an employer or association, is Group Universal Life (GUL) insurance. Sometimes, large benefit administrators like Mercer manage these plans for organizations. Understanding what group universal life insurance is,…
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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…
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Colonial Penn $9.99 Plan: Is It Worth It in 2026?

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…
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Prudential Variable Universal Life Review 2025: Is It Right For You?

Planning for your financial future involves making crucial decisions, especially when it comes to life insurance. It’s not just about securing a death benefit; it’s about finding the right tool to meet your specific long-term goals. One option you might encounter is Variable Universal Life (VUL) insurance, a type of permanent policy that combines life…
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Columbian Mutual Life Review 2026: Why Carrier Choice Matters

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 security. It provides peace of mind, knowing that your loved ones will be financially supported if the unexpected happens. However, the insurance market is vast and complex,…
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AAA Universal Life Insurance: Full Review for 2026

Understanding Your Life Insurance Options: Is AAA Universal Life the Right Choice? Planning for the future and ensuring your loved ones are financially protected is a cornerstone of responsible adulting. Life insurance plays a crucial role in this plan, providing a safety net during difficult times. Among the various types of life insurance available, universal…
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Thrivent Universal Life Insurance: Full Review for 2026

Understanding Universal Life Insurance in 2025 Life insurance is a cornerstone of sound financial planning, providing a crucial safety net for your loved ones in the event of your passing. While term life insurance offers coverage for a specific period, permanent life insurance policies are designed to last your entire lifetime, as long as premiums…
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Allianz Pro+ Advantage Review 2025: Is It Right for You?

Understanding Annuities: A Foundation for Retirement planning Retirement planning is a crucial journey, involving careful consideration of how to secure a steady income stream for your later years. One financial tool that often comes up in these discussions is the annuity. At its core, an annuity is a contract between you and an insurance company.…
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New York Life Indexed Universal Life Review – 2026

Planning for your financial future involves making significant decisions, and securing the right life insurance is often a cornerstone of that plan. Among the various options available, Indexed Universal Life (IUL) insurance has gained considerable attention. One prominent provider in this space is New York Life. But is a New York Life Indexed Universal Life…
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Universal Property AM Best Rating: Review for 2026

Choosing a homeowners insurance company is one of the most important decisions you’ll make to protect your largest asset. You need a carrier you can trust, one that will be there to help you rebuild after disaster strikes. Financial stability is paramount – an insurance policy is only as good as the company’s ability to…
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