Joshua Wahls, Author at Insurance By Heroes

All Posts By Joshua Wahls

State Farm Whole Life Cash Out: 2025 Guide

Whole life insurance is often chosen for its lifelong coverage and the unique benefit of cash value accumulation. Over time, a portion of your premium payments grows on a tax-deferred basis, creating a reserve you might access later. If you own a State Farm whole life policy, you might be wondering about accessing this cash…

Graded Life Insurance Explained: 2025 Guide

Navigating the world of life insurance can feel complex, especially if you have pre-existing health conditions that might make qualifying for traditional policies challenging. You might worry about leaving loved ones burdened with final expenses like funeral costs, medical bills, or small debts. If this sounds familiar, understanding graded life insurance could provide a vital…

Universal Life Insurance Explained (2025 Update)

Planning for the future involves making crucial decisions about financial security, and life insurance often sits at the heart of that plan. But navigating the world of life insurance can feel overwhelming, with various policy types offering different features and benefits. One option you might encounter is Universal Life (UL) insurance. Understanding what it is,…

Colonial Penn Whole Life Review (Updated for 2025)

Navigating the world of life insurance can feel overwhelming. You see advertisements, hear familiar names, and try to figure out which plan offers the best protection for your loved ones. Colonial Penn is a name many recognize, often associated with simplified, guaranteed acceptance life insurance. But is their popular whole life insurance offering the right…

Surrendering Whole Life? Guide for 2025

Making decisions about your life insurance can feel complex, especially when considering a significant change like surrendering a whole life policy. Perhaps your financial situation has changed, your needs have evolved, or you’re simply exploring your options. Understanding the implications of surrendering your whole life insurance is crucial before taking action. This guide, updated for…

AARP Whole Life Insurance Review [2025 Update]

Understanding Your Whole Life Insurance Options in 2025 Planning for the future often involves securing financial protection for your loved ones. Whole life insurance is a popular tool for this, offering lifelong coverage and a cash value component that grows over time. Many people encounter options advertised through organizations like AARP, often provided by established…

Military Whole Life Insurance Guide [2025 Update]

Securing your family’s financial future is a top priority, especially for those serving in the military or who have transitioned to veteran status. While government programs like Servicemembers’ Group Life Insurance (SGLI) and Veterans’ Group Life Insurance (VGLI) offer valuable protection during and immediately after service, they often represent only one piece of a comprehensive…

Fixed Life Insurance Explained (Updated for 2025)

Understanding Fixed Life Insurance: Stability for Your Future Planning for the future involves many considerations, and securing the financial well-being of your loved ones is often paramount. Life insurance plays a crucial role in this planning, but the variety of options can seem overwhelming. One term you’ll frequently encounter is fixed life insurance. But what…

Surrendering Whole Life Insurance (Updated for 2025)

Whole life insurance is often purchased with the intention of holding it for a lifetime, providing both a death benefit for beneficiaries and a cash value component that grows over time. However, circumstances change. Financial needs shift, priorities evolve, and sometimes, policyholders consider accessing the value built up in their policy by surrendering it. The…

Whole Life Insurance Policy Cost Explained (Updated for 2025)

Planning for the future involves making crucial decisions about financial security, and life insurance often sits at the heart of that planning. Whole life insurance, known for its permanence and cash value growth, is a popular option for long-term protection. But a common question arises: what does a whole life insurance policy cost? Understanding the…

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