Term Life Insurance

Term Life Insurance is a type of pure insurance.

Whole and Universal Life Insurance are a type of Cash Value Life Insurance that has both a cash/ savings component tied in with the actual insurance.

Whole Vs Term is dedicated to assisting clients in determining which type of life insurance will be best for them.

While whole life can be useful in a few situations, it is often too confusing and too expensive for the vast majority of Americans.

Term life, in contrast, is simple and efficient.  Term life does have drawbacks, such as it may not cover you for long enough, but given its low cost and high affordability index, it solves a lot of consumers problems for a low low price.

In general for most Americans, Whole Vs Term believes that a Term policy may be the best policy.

Get a Term Life Quote Today.

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.

1000000 Life Insurance

Written by Scott W Johnson

The 1000000 life insurance policy that you and your family need.How to BuyWhat to AskSample RatesWhere to Save Big Time​​​​The Savings You Need – the Coverage you Deserve.Quick Navigation of 1000000 Life Insurance:$1,000,000 Life Insurance:$1,000,000 Life Insurance Policy Options:$1,000,000 Life Insurance Great Candidates:$1,000,000 Life Insurance Special Considerations:$1,000,000 Life Insurance Sample Rates:$1,000,000 Whole Life Insurance Vs $1,000,000.. More

125 Plus A+ Rated Life Insurance Companies

Written by Scott W Johnson

A+ Rated Life Insurance Companies – and Lots of ThemComprehensiveUse as a Reference Learn & UnderstandInsurance Agents often brag about their company’s Financial Strength Rating (FSR) when they are A++. They should. BUT there are over 100 life insurance companies that are also rated A+.  An A+ insurance company is only one notch below A++.  .. More

Decreasing Term Insurance

Written by Scott W Johnson

What is Decreasing Term Insurance?Decreasing term life insurance is a type of “annual renewable” life insurance whose premiums are typically level, but whose death benefit payout decrease each and every month or year.  Policy length can vary depending on the insurer that you choose.   A decreasing term life insurance policy, could be the type.. More


Written by Scott W Johnson

The Life Insurance InfographicWhole Vs Term Life Insurance, from time to time publishes useful infographics and piktocharts to help explain life insurance principals, concepts, and costs.  Below are some of our more popular inforgraphics available. Consumers and Businesses are free to republish one of our life insurance infogrpahic as long as the following two criteria are.. More


Written by Scott W Johnson

The Great Debate: Whole Vs TermOver the past twenty years the insurance landscape has changed dramatically.  Gone are the days where consumers could just rely on the opinion of their home and auto insurance agent to recommend a life insurance policy.   Insurance companies have changed, they have specialized, and so have insurance agencies.  .. More

Stay at Home Dads and Their Need for Term Life Insurance

Written by Scott W Johnson

The One Aspect of Parenting You Do Not Want to Fail At…Working Moms and Dads need Life InsuranceNon Working Moms and Dads do TooStay at home Dads Can Ignore Term Life Insurance?  –  Why you could not be More Wrong.The internet is full of reminders that stay at home parents need life insurance and this.. More

The Top Ten Life Insurance Companies ranked by the Comdex.  The comdex is a ranking of financial strength ratings.  It compiles four different rater’s ratings into one commingled rating. This ‘poll of polls’ rates most of the life insurance companies in the United States. There may be some important considerations that you should be aware of before.. More

Outrageous Claims of Whole Life Insurance Agents

Written by Scott W Johnson

Whole Life Insurance has been around a long time.  However what was once a well oiled machine seems extremely dated by today’s financial standards.  It has been said, by many, that Whole Life Insurance is Sold and Term Life Insurance is bought.  There is a reason for this… But in order to buy term life insurance,.. More

7 Simple Ways to Save on Life Insurance

Written by Scott W Johnson

​Life Insurance May be Complex, but Saving on it does not need to be.Failure to properly understand these methods could cost you lots of money.​​Read On – to Save.Wondering about life insurance rates?   Thinking of how to save money?  Checking with friends?  Don’t be put off by all the complexity, just review our seven.. More