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Life Insurance for Dummies

Written by Scott W Johnson

Life Insurance for Dummies is Our Signature Simple Guide to life insurance. Short, Simple, and Sweet.

How to Save $246,000 on life insurance in 20 years

Written by Scott W Johnson

Can you really save over $246,000 on life insurance by following one simple trick when buying life insurance? All in only twenty years – Your choices on what form of life insurance to purchase are important – make the right ones.

How long does the coverage normally remain on a limited-pay life policy?

Written by Scott W Johnson

Learn about limited pay life insurance and how long this form of whole life insurance lasts. Limited pay may be your best option if you want to get the most bang for your buck with permanent insurance.

Is Whole Life Insurance a Scam

Written by Scott W Johnson

Read about one of the most common questions that life insurance agents get – Is Whole Life Insurance a Scam? The truth, the whole story, and the numbers to back it up.

Benefits of Life Insurance

Written by Scott W Johnson

There are so many benefits to life insurance. Whole life, Term Life, Universal Life = they all have numerous benefits. These benefits are broken down by individual characteristics and uses.

The Incontestability Clause

Written by Scott W Johnson

The Incontestability Clause – is a specific time period within life insurance policies that assists consumers after generally about two years. This important component of most life insurance policies is a consumer success story for buyers of life policies. Read about what protections it offers you and what is will not protect you from.

Equitrust

Written by Scott W Johnson

The Equitrust Life Insurance company is a B++ rated insurer based in Iowa. They offer some really appealing life insurance products. Equitrust is owned by a rather famous american basketball star and has been in business in one form or another since the 1930s. Special caution is given about this life insurance company based on their financial strength ratings.

Buy Term and Invest the Difference

Written by Scott W Johnson

The theory of Buy Term and Invest the Difference is one that has been around for decades. In this article we take this theory and put it to the mathematical test. How does it do? What are the benefits of BTITD? The real story and numerous comparisons. Which is better Whole Life or Buy Term and Invest the Rest.

Limited Pay Life Insurance

Written by Scott W Johnson

Is limited pay life insurance right for you? Questions, Answers, and the Real Math. Limited Pay life insurance is form of whole life insurance whose benefits last forever but whose premium payments do not. Limited pay policies could be a unique opportunity for you to save real money on your next life policy. Limited pay policies come in numerous policy payment periods.

Single Premium Life Insurance

Written by Scott W Johnson

Single Premium Life Insurance is a type of whole life insurance. This whole life insurance policy has a death benefit that should (in theory) last forever but have a but one single up front life insurance premium payment. If you are considering buying life insurance, and this site has not yet talked you out of it, than single premium life insurance may be your best whole life option. Single premium is but one type of limited pay life insurance.