One simple thing seems to confuse many consumers. I know that by the number of visitor searches on the question:
Term Vs Whole Life vs Universal Life Insurance
So I developed the Page that you can get to with the clickable link above. I give a brief outline of the general differences between term insurance, or insurance [...]

Many visitors are looking for simple issue life and disability insurance that will offer them coverage despite health conditions, past history and occupations. Some life insurance and disability insurance companies will decline based on past health issues, even if they are cured or well managed now. Some will decline based on a past run in [...]

If you have been shopping for life insurance lately, you may have found the process to be drawn out, stressful, and confusing. It is hard to determine how much life insurance you need, and to balance that need against the amount you need to pay. Furthermore, even if you have determined how much life insurance [...]

Diabetes or Challenged Health Insurance

We know that we need life insurance, but some life insurance companies may decline applicants for health conditions that are very well controlled, and not likely to cause death. Even if you have a health condition like diabetes, or if you smoke, do not be afraid to get a life insurance [...]

If you watch TV, you can hardly avoid seeing ads for guaranteed issue life insurance policies. Some ads come from major associations like AARP, and they may sound very attractive. You just send in your money, and without answering any health questions, you get life insurance. It’s just like other TV products…ginsu knives or something!
Or [...]

If you are shopping for life insurance, be sure to shop. Our recent research showed a $300 a year price difference between insurance companies for the same death benefit and individual on 20 year term. Of course, be careful not to just look at price. Some term policies will guarantee the price will remain the [...]

There’s been a lot of buzz among life insurance agents about a product called zero premium life insurance. An Insurance Agent Site Posted a Warning here: Zero Premium LIfe Insurance Really? On the surface the product sounds great. It ill be marketed to senior citizens as a final expense life insurance product, and they won’t have [...]

If you have purchased a house within the last several months, you have probably been deluged with cards and letters with an offer for mortgage insurance. Some people think this is homeowners insurance, but that is not what it is! The letter usually offer to protect your your home in case of death, disability, and [...]

A lot of people want to know about ROP or Return Of Premium Riders on Life Insurance. An ROP rider is an optional feature in many term life insurance policies. As it is optional, it costs more. However, it usually doesn’t cost a lot more, and it adds an important benefit. The ROP rider is [...]

Life Insurance Needs Calculator 
One of the most common questions that consumers ask is how much life insurance they really need. To calculate how much life insurance need you must take into account any debt you would leave your family, their immediate support needs, and finances needed for future plans like education and retirement.
I did write [...]