Speak with an experienced advisor! 415-294-5454 Speak with an experienced advisor! 415-294-5454Written 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 costs, others can be had for free.
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.
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.
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.
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
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.
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.
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.
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.
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.