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Principal Life Insurance Company

Written by Scott W Johnson

The Principal Life Insurance Company is an Iowa based AM Best A+ Rated Insurance conglomerate. This insurer has a terrific set of Universal and Term Life Insurance policies. Their rider or endorsement selection is very solid.

American United Life Insurance Company

Written by Scott W Johnson

The American United Life Insurance Company is a terrific AM Best A+ XIV Rated insurer that is based in Indianapolis Indiana. The company has roots that stretch back to the 1870s but today they are fully modern and competitive insurer.

Questions and Answers

Written by Scott W Johnson

Life Insurance Questions and Answers is our list of some salient questions that we have had about insurance. Some specific, some totally random, we have added numerous questions to this list.

Life Insurance for Physicians

Written by Scott W Johnson

Should doctors get whole or term life insurance? Physicians life insurance needs are different than most due to a variety of factors. Often doctors have a delayed higher income coupled with a relative high debt ratio making their situation much different than many.

Prudential Life Insurance with Sleep Apnea

Written by Scott W Johnson

Shopping for life insurance when you have sleep apnea can be enjoyable. This condition which causes people to temporarily stop breathing while they sleep can be scary. Many life insurance companies will only accept consumers at a standard non smoker raters, but one carrier – Prudential is open to lower prices for those that have a well treated version of sleep apnea. We love Pruco Life Insurance and if you have sleep apnea as well – you might also.

Life Insurance with Statins

Written by Scott W Johnson

When you have high cholesterol and take a commonly prescribed statin medication you might think you deserve better term life insurance rates than a given insurer is offering you. You may be right! Not all insurance companies allow for Statin medications at the preferred plus and preferred pricing levels. In our article about life insurance with statins we discuss various carrier guidelines and which carriers that may be your best choice. Do not go and buy a term policy if you take one of these medicines without reading this short article.

Portability vs Conversion

Written by Scott W Johnson

Portability and Conversion are two options when you leave a group life insurance plan, such as an employer sponsored plan. Not to be confused with convertible term life insurance, conversion and portability are slightly different versions that results in vastly different outcomes. Portability allows you to take your term plan with you while conversion allows to you change the policy to a permanent one.

How Long Does Life Insurance Last

Written by Scott W Johnson

One of the more common questions that all life insurance agents get is How Long Does Life Insurance Last? Well there is no simple answer to this complex question. Whole, Term, and Universal life insurance all of have slightly different answers to this question. Add to this that several important conditions that must be met. After all a life insurance policy cannot last any longer if the yearly premiums go unpaid – right? Whole contracts typically will last until either the policy end date (which may be 100 or 120) or your entire life.

Life Insurance with COPD

Written by Scott W Johnson

Shopping for Life Insurance with COPD can be a big let down. Although easy to get quotes, most of the term quotes that you see will not pertain to you. Our article – Life Insurance with COPD is all about how to shop and save on term life insurance when you have this impairment. COPD can be similar to asthma in many ways when shopping for term quotes, but there are real differences. Read our COPD guide.

Best Life Insurance 30 Year Old

Written by Scott W Johnson

The best life insurance for a thirty year old is distinct and different from the amount of life insurance that others might need. A simple affordable term policy make be your ticket to financial freedom. Thirty year old consumers can be in vastly different stages of their life and that is why its so important to assess where you are and where are going. Do not make the classic error of not purchasing level term life insurance because you think you are too young to do so.