Noel Insurance Services Blog | Learn About Life Insurance

Mortgage Protection Insurance vs. Life Insurance vs. Private Mortgage Insurance, or PMI: Which one do I need?

Insurance is a necessary part of life. Everyone needs insurance to protect themselves from financial ruin in case of an unfortunate event. There are a variety of different types of insurance, each with its benefits and drawbacks. In this article, we will compare mortgage protection insurance, life insurance, and private mortgage insurance, how they can help…

A Complete Guide To Buying The Best Burial & Final Expense Insurance for Seniors in 2024

Buying burial insurance for most seniors is as easy as trying to qualify for a whole life insurance policy. The benefit of which is a quick cash payout within a few weeks to cover funeral costs of the deceased. There are some companies that have up to a 2 year or 24-month wait period, but…

Where Can I Get an SBA Loan?

The Small Business Administration (SBA) provides loans and other financial assistance to help small businesses grow and create jobs. They can be used for a variety of purposes, such as purchasing equipment, expanding your business, or hiring new employees. In this article, you will learn precisely where to get an SBA loan for your business…

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…

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…

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…

Annuities vs Life Insurance:

Retirement is probably the biggest topic on the minds of seniors. One of the biggest questions we get asked by our clients is what exactly is the difference between annuities and permanent life insurance policies? We understand the confusion. At a glance it seems as though whole life insurance and annuities have a bit in…

Senior Veteran Life Insurance

Happy Veteran’s Day! This Veteran’s Day, we want to discuss some available senior veteran life insurance options. There are many misconceptions surrounding life insurance for active duty and veteran service members. We are honored to work with senior veterans to help find the best life insurance policies out there. I’m a Veteran and a Senior:…

Burial Insurance: No Waiting Period

If you need final expense coverage – and you need it fast – you’re in luck. It is possible to purchase burial insurance with no waiting period! Some health issues may mean you are ineligible for immediate insurance coverage, but the good news is you can always present your risk favorably to underwriters. How you…

Top Burial Insurance Companies

Welcome to part 2 of our “Top Burial Insurance Carriers” series! If you’re looking for some of the best burial insurance carriers, we can help. There are many options for burial insurance, and we’ve listed just a few of the most popular options here. As with any life insurance purchase, you should be sure to reach…

Top Burial Insurance Companies

Burial insurance options for seniors are abundant. In this article we are reviewing some of the top burial insurance carriers to help you find the best coverage for your needs. We have reviewed the below based on coverage options, affordability, and more. AARP Easy Acceptance LifeBefore you read on: take a look at our review…

Affordable Burial Insurance for Seniors

Marketing is a funny thing, especially in the life insurance industry. Before you fall for burial insurance gimmicks you should know that burial insurance – also known as funeral insurance – is basically a small whole life insurance policy. The benefits are typically between $5,000 and $25,000. They are specifically designed to cover your final…

What Is Burial Insurance?

What is Burial Insurance? Burial insurance is, essentially, a small permanent life insurance policy. Sometimes referred to as senior life insurance, funeral insurance, or final expense insurance, the point of this type of coverage is to ensure that your finances are in order if the worst should happen. At its core, this type of insurance…

Senior Health and Life Insurance

Can we let you in on a secret? We don’t like the term “senior citizen.” In the life insurance community, “senior” is used as a buzzword to incite fear and anxiety, with the hopes that individuals over the age of 55 will panic-buy inadequate and overpriced policies. We know, we know: our website is called…

Seniors and Life Insurance: Preparing for the Future

A lot of insurance websites gear their information to younger individuals shopping for affordable life insurance policies. This makes sense: were the unthinkable to happen to someone who has just started a family or bought a home, financially protecting loved ones is important. Life Insurance for Seniors As we age, our thoughts and lives shift…

Lincoln Financial Life Insurance Review

Choosing the right life insurance policy is more than a simple financial decision; it’s a commitment to safeguarding your family’s future. It’s about ensuring that your loved ones will be taken care of even when you can no longer do so.As such, selecting a trustworthy and reliable insurance company is paramount. So, together, we’re going…

The Truth About Lincoln Heritage’s Funeral Advantage Plan: Our Review

Life insurance is one of the most important aspects of any family’s financial plan. If something were to happen to you, your partner would have to continue to provide for the family alone. Without life insurance, they would have to take on enormous debt just to cover your living expenses for your children. Life insurance…

Life Insurance Scams- Key items you need to know!

Life insurance is a critical financial cornerstone that offers peace of mind and financial security for individuals and their loved ones. However, it is disheartening to know that some unscrupulous individuals prey on the vulnerability of older Americans by perpetrating life insurance scams. This article will shed light on the disturbing reality of life insurance…

Accidental Death Insurance

What is Accidental Death? Accidental death refers to any death that is an outcome of an accident. These accidents are not expected, intended, or caused by illness. Accidental deaths include falls, motor vehicle accidents, drowning, poisoning, firearms, industrial accidents, suffocation, and fire-related accidents. Accidents are the fourth leading cause of death in the United States.…

The Best of Both Worlds: Combining a Digital Experience with a Trusted Agent for Life Insurance Shopping

Life insurance is a crucial investment for individuals looking to secure their future and protect their loved ones financially. And, with the advent of digital technology, purchasing a life insurance policy has become more accessible and convenient. The digital experience refers to a customer’s interaction with a company through digital channels such as websites, mobile…

Funeral Planning Guides for Seniors

Planning for a funeral can be complicated and time consuming. We hope this planning guide might make it a little less difficult. With this Funeral Planning Guide, you’ll be able to assist your loved ones during what will be a very hard and often confusing time. Documenting your funeral preferences, as well as providing important…

AARP Life Insurance Reviews – Which Policy Do You Have?

When one thinks of insurance, it’s rare that they think about life insurance. However, as we live our lives and enter the world of adulthood, we start to realize just how important it is to have adequate coverage in place for ourselves and our families. Every person should carry life insurance to protect their loved…

How Does No Exam Life Insurance Work?

Life insurance. It’s one of those topics that, let’s be honest, can feel about as exciting as watching paint dry. Yet, here we are, ready to dive into the heart of it, with a twist – no exam life insurance. You might be thinking, “Insurance without the poking and prodding of a medical exam? Sign…