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Why Life Insurance Companies Ask for your Social Security Number

Written by Scott W Johnson

Why Do Life Insurance Companies Always want my Social Security Number? Will my number be safe, how will it be used. Is there a federal US law that requires insurers to have and keep my social security number when I buy term or whole life insurance?

Life Insurance for Retirement

Written by Scott W Johnson

Should you consider Life Insurance for Retirement? There are better ways to use life insurance in retirement and worse ways – Learn the smart options.

Sample Life Insurance Calculation

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.

Living Benefits

Written by Scott W Johnson

Living Benefits with Life Insurance? Although the general purpose of life insurance is a death benefit, many insurance policies, even term policies, now allow limited benefits during your lifetime. Although some of these benefits can have significant cost, others can be had for free.

How Much Life Insurance Do I Need

Written by Scott W Johnson

How Much Life Insurance Do you Need? This simple question is much more complex than many american consumers can begin to know. The old general ten times rule is a great place to start but it is not the be all end all determining factor. Clients need to consider and evaluate their life stage and potentially undertake a full needs based analysis.

Do I Need Life Insurance

Written by Scott W Johnson

Do I need life insurance – this simple question does not have a simple easy cookie cutter answer. Consider your current life stage and your future plans. Determining your need for life insurance often can involve hard questions where there are no easy answers. Consider our life stages chart.

Is Permanent Life Insurance Worth it?

Written by Scott W Johnson

Permanent life insurance is a form of cash value life insurance that may over time build up cash value from deposits and dividends. One of the central questions asked by many is Is Whole Life Insurance Worth it as an Investment? Although whole life insurance is a wonderful product that serves wells many uses, there are numerous headwinds that prevent this antiquated product from being considered a good investment.

Longest A Rated Life Insurers

Written by Scott W Johnson

AM Best has come out with a list of the longest time frames that various life insurer carriers have been rated A or better.  These Longest A Rated Life Insurers list was created from their article.  Keep in mind that A rated or better refers to the following AM Best Financial Strength Ratings: A, A+,.. More

Geico Life Insurance

Written by Scott W Johnson

Can you even buy life insurance with Geico? Does that Gecco sell it all? Geico may be able to save you 15% on Auto Insurance, but unfortunatly Geico themselves doe not technically sell life insurance. Read our Geico Life Insurance Review.

Participating Whole Life Insurance

Written by Scott W Johnson

In this short article we will explain exactly what participating life insurance is, who provides it, common and historical rates of return, and answer some simple questions. Part Whole Life policies are a great thing for those consumers that can afford to pay its high annual premium each and every year. Lastly we will discuss the one backdoor method to gaining access to this terrific product.