Struggling to make sense of Whole, Universal, and Term Life?   Wondering why a typical whole life policy can cost about 10 times a simple term life insurance policy?   We are here to help.

Born of the idea that life insurance benefits, numbers, and costs should lead your decision.  Not pushy salesmen. We believe in analyzing each individual case.   We can help you assess the best use of life insurance.

Whole vs Term is all about sharing actual best use suggestions and recommendations.   We are here to assist you passing underwriting and providing you with a clear and understandable options.

Does Buy Term and Invest the Difference make the most sense for you and your family?   We believe it does make sense for a majority of Americans, but not everyone.    What are the best uses for Whole Life, where the benefits and the costs line up?   Read our blog to find out.

“Life Insurance is Complicated – Don’t Get Lost.”

Which policy options make the most sense for you?   Call us to discuss.

Whole vs Term, where you can find out the true difference.

Simple Affordable Term Life:

Whole Vs Term Life Insurance features comparisons of the cost and benefits of Whole, Universal, and Term Life Insurance, the three main life insurance options available to most Americans.  But we do not stop there – we constantly strive to present useful and relevant information to consumers.

For People wondering How Much Life Insurance that they need – we offer up in depth stories that present real world solutions.  In this situation we offer up twelve candidates and the methods and calculations they use to conclude how much life insurance they need.

Lifelike stories of Families Considering Term and Whole Life.  Their considerations and what the best practices may be.

Affluent Family Considering their Whole Life Insurance Options, Does it make sense?

We educate clients in order to assist them in saving real money on their proposed life insurance policy.

Life insurance underwriting considerations, such as your health class.

All along searching for the highest Financial Strength Rated Insurance Firm at the Best and Lowest Cost.

Understanding the AM Best Rating Scale, its use, its need, and the various ratings.

We ponder the internal question in the world of life insurance – Is Whole Life Insurance Worth it? This review of permanent policies when used as an investment reveals several issues with it that are not commonly known.

Whole Vs Term is so much more than this.  Please check back frequently for updated blog posts about various aspects of the life insurance world.  Don’t be left out in the cold by choosing the wrong form of insurance.  We do of course focus on one of the central themes of this site: Which is a better form of life insurance – Whole or Term.  Whole life which is a form of permanent life insurance is often sold as an insurance product with an investment component.  Term which is pure and typically of a limited time frame.  We explore this very question in Buy Term and Invest the Rest.  In this seminal article we explore the theory and detail of why term insurance is so often the very best option that 95% of insurance shoppers can make.