Insurance By Heroes

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September 17, 2026

Medicare Supplement vs. Advantage (2026–2027): Which Fits You?

Bottom Line Standard Medigap may fit if you value nationwide Medicare provider access and can afford extra premiums. Advantage may fit if its network, drug coverage and treatment costs work for you. Check Medigap enrollment protections before switching; returning may…
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June 18, 2026

Case Study: LTC vs IUL vs Whole Life for Care Planning at $300-$500/mo

A decision-focused case study comparing dedicated long-term care insurance, F&G Pathsetter IUL, and Penn Mutual Accumulation Whole Life designs at roughly $300 and $500 per month.
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May 27, 2026

Why Cash Value Matters in IUL: The Rising Cost of Insurance Problem

In an indexed universal life policy, the internal cost of insurance generally rises with age. Cash value matters because it can reduce net amount at risk and help support long-term policy durability.
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May 27, 2026

IUL Renewal Cap Rates: Why F&G Looks Stronger Than Pacific Life and Lincoln

A side-by-side look at IUL cap rates and renewal cap rates shows why F&G appears stronger than Pacific Life and Lincoln for long-term indexed universal life performance.
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April 12, 2026

No Exam Life Insurance for Lawyers: Instant Approval 2026

Attorneys and lawyers can get no exam life insurance with instant approval in 2026. We compare top carriers, coverage up to $3M, and rates for legal pros.
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April 12, 2026

No Exam Life Insurance: Agents & Actuaries 2026

No exam life insurance for insurance agents, actuaries, and underwriters. Instant approval in 2026 with no medical exam required. Compare top-rated carriers free.
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April 12, 2026

Life Insurance for Surgical and Operating Room Staff: What to Know

Bottom Line Operating room staff should assess employer life insurance before buying individual coverage, accounting for dependents, debts and years of income replacement. Coverage after changing employers, including any portability or conversion option, depends on the actual plan. Request individual…
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April 11, 2026

Life Insurance for Sports Agents, Referees & Umpires 2026

Life insurance for sports agents, referees, and umpires in 2026. Compare top carrier rates, coverage options, and find the best policy for your profession.
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April 11, 2026

Life Insurance for Special Ed & Music Teachers 2026

Life insurance for special education and music teachers in 2026. Compare top carriers, see real rates, and lock in affordable coverage for your family.
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April 11, 2026

Best Term Life Insurance: Sales Reps & Managers 2026

Sales reps and managers: compare affordable term life insurance rates in 2026. See how much coverage you need and how to protect your family's future.
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