All Posts By Krystn Meier

Can I Purchase Life Insurance on Someone Else?

A lot of our helpful life insurance blog posts detail buying life insurance for yourself, in order to protect your loved ones. A life insurance policy acts as a financial cornerstone and can help protect your legacy and your assets. But, what if you need to buy life insurance on someone else? Can you name…
Read More
life insurance medical information bureau

What Is The Medical Information Bureau? (MIB)

No! It’s Not The MEN IN BLACK! What is MIB? MIB- The Medical Information Bureau was founded in 1902 and has information on life, health, long-term care insurance applications, and disabilities of millions of people. MIB offers fraud protection services to insurance companies. MIB maintains a confidential consumer database that is accessible only by its…
Read More

Decreasing Term Life Insurance, Is it right for you?

Term life insurance is a type of life insurance that provides coverage for a specific period, typically 5, 10, 15, 20, 25, or 30 years. The policy owner pays premiums monthly or annually, and the insurer guarantees a payout if the policyholder dies during the covered period. Term life insurance is often less expensive than…
Read More
life insurance underwriting

Life Insurance Underwriting

The underwriting process for life insurance At some point, you need life insurance to cover you and your family, but you do not know the risk associated with getting the coverage. Before you get the life insurance, you must go through the underwriting process where insurance underwriters determine how much risk your insurer will cover…
Read More

Life Insurance Riders Explained: Let’s Review!

Your life insurance policy should work for you. Most articles and online resources will tell you that there are a few basic forms of life insurance policies: term life insurance, whole (or permanent) life insurance, guaranteed life insurance, final expense life insurance, group life insurance, variable life insurance, and no-exam (or simplified issue) life insurance. …
Read More

Can I lower the cost of my life insurance premiums?

We talk a lot on here about how your age is not a barrier to getting affordable life insurance. We’ve also talked about what to do if you’ve been declined for life insurance. What we have not discussed is how to get a reconsideration or re-rating on my life insurance premiums. Is it possible to…
Read More

Is Your Insurance Carrier Financially Strong?

When shopping, we always look for the best. We read reviews, ask friends, and conduct extensive research before making our purchases.  The internet makes it easy to be misled when it comes to finding the “best.” This is especially true for life insurance. If you Google “best life insurance,” you will hit upon thousands of…
Read More

Buying Life Insurance: How Much Do You Need?

It’s an unfortunate fact that death and taxes are the only two guarantees in life. We’d like to add buying life insurance to that list. We understand that life insurance is kind of a morbid industry. The whole point of life insurance is for an insurance company to pay a specified amount to your family after…
Read More
Converting your term life insurance policy

Term Life Insurance Conversion: The Basics

We get a lot of clients who are nervous about life insurance. Whole life insurance seems so permanent and confusing. And term life insurance seems like it won’t last long enough. However, the process of converting your life insurance can be daunting.  The good news is that you are not locked into any policy forever.…
Read More

Is it possible to purchase life insurance during COVID-19?

We are currently living in unprecedented times. COVID-19 swept through the nation and has changed our priorities and our way of life. One thing you may not be thinking about is how COVID can impact your current life insurance policy, or your ability to get a life insurance policy.  Getting Life Insurance During COVID-19 The…
Read More