Life Insurance

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Prudential PruTerm WorkLife 65 Review (Coverage + Costs)

In 2011, Prudential Financial launched a new term life policy: PruTerm WorkLife 65®. The policy was designed to provide people with life insurance coverage through their working years until retirement at age 65 when the policy would expire. It also included built-in employee protections. In the event of a disability during the term, the premiums...

In 2011, Prudential Financial launched a new term life polic...

Liberty Mutual’s Deductible Fund: Pay Now for a Lower Deductible LaterPost

Liberty Mutual’s Deductible Fund: Pay Now for a Lower Deductible Later

Here we go again. We’ve already written about Nationwide’s Vanishing Deductible. Now it’s time to talk about Liberty Mutual’s “Deductible Fund.” If it sounds like you’ve heard this one before, you’re probably onto something. Yes, car insurance companies are constantly looking for way to “spice things up,” seeing that insurance is probably one of the...

Here we go again. We’ve already written about Nationwide...

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Gerber Life College Plan ReviewPost

Gerber Life College Plan Review

We review a lot of insurance companies and products for our readers, and if you follow us closely, you’ll notice we don’t ever call anything a “scam.” We do, however, from time to time, point out that there may certainly be better ways to accomplish a particular insurance-related goal. The “Gerber Life College Plan” may...

We review a lot of insurance companies and products for our ...

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MetLife GrandProtect Insurance Package Review

MetLife recently began a campaign centered on their “MetLife GrandProtect Insurance Package.” It’s described as a unique insurance product designed to protect your property and casualty needs. Instead of having one auto policy, a homeowners policy, a boat policy, and other policies, GrandProtect® rolls it all into one. The older you get, the more things...

MetLife recently began a campaign centered on their “MetLi...

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How do life insurance companies test for tobacco use?

Have you ever asked, “how do life insurance companies test for tobacco use?” If you’re a smoker looking to obtain life insurance, you probably already know it’s not a good mix. But that doesn’t necessarily mean you won’t be able to obtain affordable coverage. IIn short, life insurance is designed to pay out a death...

Have you ever asked, “how do life insurance companies ...

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Suze Orman SelectQuote Review

We aren’t typically big fans of insurance-related celebrity endorsements. Most celebrities probably don’t know the first thing about the product they’re advertising, and aren’t likely insured by the companies they represent. They’re much more focused on the process and what rates they’re going to receive for doing said advertisement. Shocker, we know. In fact, most...

We aren’t typically big fans of insurance-related celebrit...

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How to Check the Value of an Old Life Insurance Policy

Life insurance Q&A: “How to check the value of an old life insurance policy?” Perhaps you are named a beneficiary on a life insurance policy purchased by a relative who has recently passed. Maybe you just remembered there was an old policy you stopped paying attention to. Depending on the type and age of the...

Life insurance Q&A: “How to check the value of an ...

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What does life insurance not cover?

Life insurance is supposed to be “simple”…the policy everyone understands. You pay for the insurance, and if you die while the policy is active, your beneficiary gets the money. This is most often times the case. Life insurance coverage covers death due to natural causes and accidents, however, certain circumstances and types of death may...

Life insurance is supposed to be “simple”…the policy e...

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What is no-load life insurance?

If you’re looking to save a few bucks on your life insurance policy, “no-load life insurance” might help you achieve that goal. No-load life insurance policies are a great way to reap the benefits of a whole life insurance policy without breaking the bank. [Also consider a term life policy, which can provide a lot...

If you’re looking to save a few bucks on your life insuran...

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How long does it take to receive life insurance benefits?

It can sometimes seem like a lifetime for life insurance companies to actually pay out benefits. Get it? Time might be the joke here, but life insurance coverage shouldn’t be a laughing matter. Often, it might seem as though it takes them forever to make a payment because the insured was the sole breadwinner for a...

It can sometimes seem like a lifetime for life insurance co...

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Top 10 Life Insurance Companies in the United States (2022 Update)

There are companies out there, such as A.M. Best and Standard & Poor’s, which rate life insurance providers on various financial strengths in order to help consumers make more informed decisions (insurance company ratings). Each state in our great nation also has a department of insurance that monitors the financial status of life insurance companies and regulates...

There are companies out there, such as A.M. Best and Standar...

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Why does life insurance cost more when you get older?

Insurance Q&A: “Why does life insurance cost more when you get older?” Life insurance companies make money based on how long you live after the policy is issued, otherwise known as how long the policy is “in force.” The older you get, generally the rate, or amount it costs you per $100 of coverage, is...

Insurance Q&A: “Why does life insurance cost more when...

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