Speak with an experienced advisor! 415-294-5454 Speak with an experienced advisor! 415-294-5454Written by Scott W Johnson
The death benefit is a simple and easy concept to understand if you are shopping for life insurance. Commonly referred to as the DB or Benefit, it is the contractual obligation for the insurer to pay out if the insured dies.
Written by Scott W Johnson
Are you an attorney shopping for life insurance? Confused by the multitude of options? Lawyers have different needs than most people as they often have a higher income and are also more debt from educational expenses such as law school. (These degrees do not come cheaply.) And as such shopping for term insurance for attorneys is not simple.
Written by Scott W Johnson
Fitbit Inc is a San Francisco company, whose corporation is based in Delaware. This fast moving company creates intriguing wearables that measure much of your lifestyle and health information. It can calculate calories burned, steps taken, miles walked, and so much more. Now – Certain Life Insurers are offering points and discounts for those that use the product and regularly meet certain conditions and you may be able to save 15% on your life insurance.
Written by Scott W Johnson
The policyholder surplus is a very important financial metric and assessment tool that too few consumers truly understand. PHS metrics show a slight bias to larger insurers by its own definition. Policy Holder metrics are extremely important for those wanting to purchase or consider purchasing longer term permanent policies and annuity contracts such as Whole, Universal, or various Annuities,
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.
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.
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.
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.
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.
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.