Blog
We've served the nation. Now we serve you.
April 17, 2025
Bottom Line Choose a life insurer by its underwriting fit for your health, policy features, and personalized premium, alongside financial strength and claims service. A ranking can't predict your eligibility or price, and older lists may miss product changes. Compare…
Read more
April 17, 2025
Bottom Line Whole life may fit if you prioritize guaranteed cash value; universal life offers flexibility but needs monitoring to prevent lapse. For a maturity payout, compare the contract's timing and guaranteed values rather than relying on projected growth. Compare…
Read more
April 17, 2025
Bottom Line Choose a life insurance website that explains exclusions, assesses your coverage needs, and supports the application. Check which carriers it represents: direct sites offer only their own products, and an initial online estimate can change after underwriting. Request…
Read more
April 17, 2025
Bottom Line Term life often fits young couples covering mortgage years or raising children, while adequately funded permanent coverage can meet lifelong needs at a higher cost. Size coverage for lost income and unpaid household work, even if you don't…
Read more
April 17, 2025
Bottom Line For $500,000 of coverage, term life fits temporary needs with lower initial premiums; whole life suits lifelong needs when you can afford higher premiums. Match the term to your obligations, and check whether $500,000 is enough. Compare $500,000…
Read more
April 17, 2025
Bottom Line No mutual whole life insurer is best for everyone. Compare required premiums, guaranteed cash values and riders in personalized illustrations. Dividends are not guaranteed, so separate projected values from contractual guarantees. Compare whole life insurance quotes Understanding Your…
Read more
April 17, 2025
Bottom Line After 50, term generally offers lower initial premiums for temporary needs; whole life costs more but lasts if premiums are paid. Guaranteed issue final expense coverage is a fallback when health prevents other coverage, usually with limited early…
Read more
April 17, 2025
Bottom Line Obesity doesn't automatically rule out life insurance. Your height, weight and related conditions affect eligibility and premiums, and insurers use different height and weight guidelines. Simplified issue skips the exam but still asks health questions and can result…
Read more
April 17, 2025
Bottom Line After 45, term life generally costs less initially for mortgage or income protection; whole life costs more for lifelong coverage if premiums are paid. Your price depends on age, health, tobacco use, coverage amount and how long coverage…
Read more
April 17, 2025
Bottom Line Life insurance may be available during pregnancy, but complications can raise premiums or delay approval. Term coverage often fits temporary child-rearing needs at a lower initial cost than permanent insurance. Carrier rules, your health history and pregnancy complications…
Read more
