Life Insurance Topics

How Much Life Insurance Do You Need? A Comprehensive Guide to Finding Your Perfect Amount!

When it comes to securing your family’s financial future, understanding how much life insurance do you need is crucial. With countless options and variables at play, navigating this vital decision can often feel overwhelming. Do you opt for a policy that covers your mortgage, college tuition for the kids, or perhaps even your family’s daily…

September Is Life Insurance Awareness Month: 5 Compelling Reasons You Can’t Afford to Ignore

September is Life Insurance Awareness Month. Discover 5 powerful reasons you can’t afford to ignore life insurance and how it protects your loved ones’ future.[/caption] As September unfolds, it brings with it Life Insurance Awareness Month—a pivotal reminder that protecting your loved ones is more than just a financial necessity; it’s a profound expression of…

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…

10 Essential Facts About Life Insurance Scams: What You Need to Know in 2025

The Growing Threat of Life Insurance Scams Life insurance is a vital financial tool that provides security for your loved ones in the event of your passing. However, as the industry grows, so do the tactics of fraudsters looking to exploit unsuspecting individuals. In 2024 alone, billions were lost to various scams, including those involving…

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…

Accelerated Underwriting: How Life Insurers Are Leveraging Data and Analytics to Expedite the Underwriting Process

The process of getting life insurance coverage has traditionally been lengthy and cumbersome. Applicants must fill out long forms, submit to a medical exam, and wait for weeks – sometimes months – to find out if they have been approved. But now, life insurers are leveraging technology, data, and analytics to expedite the underwriting process,…

You Didn’t Buy Enough Insurance: Now What?

We all remember the story of Goldilocks and the Three Bears. If you don’t, let us refresh your memory: a tiny blonde girl named Golidlocks commits a breaking-and-entering felony while the Three Bears are out, and she proceeds to eat their porridge and sleep in their beds. She tries multiple bowls of porridge and all…

What To Do If You’ve Been Declined?

For many seniors, shopping for life insurance comes with anxiety. You’ve reached a different phase of your life, and may not be sure what kind of life insurance you need. Or, maybe you have a good idea of how much and what type of insurance you need, but you’re afraid of high premiums and declines. …

Buy-Sell Agreement Life Insurance

What Is A Buy-Sell Agreement? A buy-sell agreement refers to a legally binding contract that specifies how a partner’s share of a business may be reassigned if that partner passes on or abandons the business. A buy-sell agreement is also known as a buyout agreement, business prenup or business will. The buy-sell agreement states how…