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30 Year Term Life Insurance

Written by Scott W Johnson

The 30 year term life insurance policy is the longest of the standard term lengths offered by some life insurers. Most often compared with a 20 year term policy – the debate on which is best for you and your family is up to you. Consider the 30 year policy if you have a need for a longer coverage period or just want the security that it offers.

The person who receives financial protection from a life insurance plan is called

Written by Scott W Johnson

A simple and straightforward guide on Life Insurance Beneficiaries. A beneficiary is typically the party to a life insurance contract that can easily be changed. Learn about best practices, detailed considerations, and a what not to do when considering a life insurance beneficiary. Whole Vs Term provides you a full list of potential life insurance beneficiary options with common examples of choices.

Free Look Provision

Written by Scott W Johnson

All about the Free Look Provision. What it does and How it helps. The Free look provision is a consumer friendly provision that is in life insurance and annuities which allow consumers a certain grace period to return the policy. The specifics of free look periods are very state specific as each state insurance regulator may have different rules. The Free look period is a great tool for American consumers.

Backdoor Roth IRA

Written by Scott W Johnson

The Backdoor Roth IRA: Should you consider Accessing Roth IRAs through the backdoor? In our guest post – Mark Bourguignon, the founder of Ascend Wealth Management, will explain the differences between regular Roth IRAs. He will also discuss a little known financial process known as the backdoor Roth IRA for high income earning families.

Misstatement of Age Provision

Written by Scott W Johnson

The misstatement of age provision is an important consumer protection tool in the world of life insurance. Learn about how a somewhat common mistake can prevent an insurance tragedy.

Life Insurance for Dummies

Written by Scott W Johnson

Life Insurance for Dummies is Our Signature Simple Guide to life insurance. Short, Simple, and Sweet.

How to Save $246,000 on life insurance in 20 years

Written by Scott W Johnson

Can you really save over $246,000 on life insurance by following one simple trick when buying life insurance? All in only twenty years – Your choices on what form of life insurance to purchase are important – make the right ones.

How long does the coverage normally remain on a limited-pay life policy?

Written by Scott W Johnson

Learn about limited pay life insurance and how long this form of whole life insurance lasts. Limited pay may be your best option if you want to get the most bang for your buck with permanent insurance.

Is Whole Life Insurance a Scam

Written by Scott W Johnson

Read about one of the most common questions that life insurance agents get – Is Whole Life Insurance a Scam? The truth, the whole story, and the numbers to back it up.

Benefits of Life Insurance

Written by Scott W Johnson

There are so many benefits to life insurance. Whole life, Term Life, Universal Life = they all have numerous benefits. These benefits are broken down by individual characteristics and uses.