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Connecticut General Life Insurance Company

Written by Scott W Johnson

The Connecticut General Life Insurance company is a Connecticut based insurer that is wholly owned and operated ultimately by Cigna. Although the carrier offers Group Life Insurance products their main specialty is in Medical, Dental, and Supplemental Medicare policies. They carry a financial strength rating of an A.Connecticut General Life Insurance Company & Cigna:The Connecticut.. More

Genetic Testing and Life Insurance

Written by Scott W Johnson

Genetic testing is a new health technology that has the potential to upend the Life Insurance Industry. Using either physician prescribed genetic tests or consumer requested tests may assist potential insurance companies to rate potential insureds far more efficiently. However the privacy, legal, and moral concerns are far more complex than the typical medical underwriting.. More

Aetna Life Insurance Company

Written by Scott W Johnson

Aetna is one of the oldest insurers in the world that has sparked a long and accomplished history. And the Aetna Life Insurance company is one member of this family.Aetna Group Life OptionsThe History of AetnaFinancial Strength Rating of AetnaThe Aetna Life Insurance company has been in business for over 150 many years.  Today it.. More

Suze Orman on Life Insurance

Written by Scott W Johnson

Suze Orman is a personal financial guru that generally believes that term life insurance is the best use of life insurance for most Americans. According to multiple public remarks on the subject she believes that “Unless you have a permanent need for life insurance—such as a special needs child—term insurance is the better deal for.. More

What is the Average Face Amount?

Written by Scott W Johnson

According to the National Association of Insurance Commissioners or NAIC for short: About $163,000 is the average Face Amount of Individual Life Insurance policies for calendar year 2017.  The Average yearly face amount, changes each and every year.Calendar Year 1997: Average Face Amount (Individual Policy): $103,000Calendar Year 1999: Average Face Amount (Individual Policy): $120,000Calendar Year 2001: Average.. More

Is Mutual Life Insurance a Dying Breed?

Written by Scott W Johnson

Life Insurance can be offered from Companies that are established in many different ways. One type of company is called a Mutual Insurance Company. These type companies are very popular, especially for those that purchase Whole Life Insurance. But their percentage of Mutuals relative to All Life Insurers are near historic lows.  What is happening to.. More

Farmers Index Universal Life Insurance

Written by Scott W Johnson

Farmers New World life offers a variety of life insurance policy choices, including Term, Whole Life, and Universal Life. One of their Universal life options is their Index Universal Life (IUL) option. This product is rather complex and the investment calculations are as well. Consumers should consider asking these questions before they purchase their Farmers IUL.

Whole Life Insurance Vs Other Tax Advantaged Investments

Written by Scott W Johnson

There are numerous places to consider investing your money – Are any of them better than ‘investing’ in whole life insurance? Whole life is often referenced as being a great tax free investment, and it can be. But there are dozens of other methods to invest in tax differed, tax free, and otherwise tax advantaged methods. Consider our list before buying.

Clark Howard Term Life Insurance

Written by Scott W Johnson

Clark Howard is a Radio, Television, and Podcast Star. He is opinionated about all things consumer concerned and has a significant following online and in the personal financial world. Clark is vocal about life insurance. And we at Whole Vs Term – have appreciated and usually agreed with him and his approach to life insurance… More

When Does BTITR Not Work?

Written by Scott W Johnson

When does Buy Term and Invest the Rest not work? Technically it is not always the best choice for consumers and we highlight some candidates and some instances when whole life might just be your only or best choice.