Speak with an experienced advisor! 415-294-5454 Speak with an experienced advisor! 415-294-5454Written by Scott W Johnson
Our Article about AIG and Cholesterol focuses on just one insurer. This insurer is a solid consideration if you either have elevated cholesterol numbers, HDL ratios, or… take a medication to alleviate this issue. These medicines, the most common of which are called Statins, are important during the life insurance underwriting review process. American International Group is a great choice for numerous reasons including elevated cholesterol related issues.
Written by Scott W Johnson
A children’s life insurance rider is an endorsement added to a Parent’s life insurance policy. The costs for these policies often do not make good financial sense. In general child riders make more sense than true whole life insurance kiddies policies, but their somewhat high cost is not necessarily warranted. Most kiddie policy riders include coverage for all the children in a given family. The debate about children needing life insurance is not necessarily settled., WvT has some opinions on this discussion.
Written by Scott W Johnson
With a Financial Strength Rating of an A+, from AM Best, Lincoln National Life Insurance is a division of the Lincoln National Corporation. Their NAIC Number is 65676 and they are based in Indiana. Lincoln National is a terrific option for those that want a highly rated term product at a competitive price. Lincoln offers two different term life insurance policies and multiple Universal options. Consider Lincoln for your term life needs.
Written by Scott W Johnson
Convertible Term Life Insurance is a form of life insurance that allows you to convert it at a later date usually with no further underwriting. There are all sorts of other considerations and terms that must be met. Why convertibles are such a good idea depend on what type of term (soon to be whole life) buyer you are. We find that most clients that are good fits for these products are one of two individuals – Read about these types of people and consider Convertible Terms.
Written by Scott W Johnson
Should you buy a kiddie or children’s life insurance policy? When do these sometimes overpriced policies make sense? Our contrarian insurance agent’s viewpoint is not what you might expect to find. Children’s life insurance, sometimes known as Kiddie policies are life insurance policies for under age children. There are two different ways to procure coverage for minors. One is slightly better than the other.
Written by Scott W Johnson
AAA is a home and auto insurer in all fifty states. They are best known for their road side assistance programs and map packs. But buying life insurance from them may or may not be your best life insurance option.
Written by Scott W Johnson
A recent article in the Wall Street Journal highlights many of the Disadvantages of Universal Life Insurance. IULs, VULs, and GULs all have major issues with them and we provide you with four of the major negatives that are universal with universal life contracts. Lastly at the end of this short article we reveal what the two best alternatives just may be.
Written by Scott W Johnson
Why Do Life Insurance Companies Always want your Social Security Number? Will your number be safe, how will it be used. Is there a federal US law that requires insurers to have and keep your social security number when you buy term or whole life insurance?
Written by Scott W Johnson
Should you consider Life Insurance for Retirement? There are better and worse ways to use life insurance for and during retirement – Learn the smart options. Once you retire you may longer need a life insurance policy. But how do you know if you are one of these people?
Written by Scott W Johnson
Confused about how to calculate the necessary life insurance? Read an example of how one family came to the a financial conclusion that saved them tons of money from the typical rule of thumb life insurance calculation. Do not just assume that ten times earnings will work for you and your family, because often it is either too much or too little. They say the devil is in the details and this could not be more true.