Actuarial Discount in Living Benefits Calculations

Do all life insurance companies apply an actuarial discount in living benefits calculations? What exactly is an actuarial discount when it comes to life insurance and how is it calculated? These are some common questions we’ve received. In this post, we would outline how exactly is the actuarial discount calculated when it comes to life…
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Is life insurance with an ITIN more expensive

It is a common question we receive during the initial conversion: is life insurance with an ITIN more expensive? In this post, we would not only answer the questions, but we would also show the rates amongst several companies and go over the qualifications. We’ve divided the topic into several different categories. Feel free to…
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Life insurance with an ITIN

A number of people living in the US can’t establish residency or obtain a social security number. As an alternative, they register an ITIN (Individual Taxpayer Identification Number). Having an ITIN has numerous advantages and one of them is making life insurance possible for many families. In this post, we would outline the instances when…
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The only Return of Premium option we recommend

Many of our clients have expressed concerns that they want to receive something at the end of their policy term. They want to know that a life insurance policy can serve them in more than one way. Through this post, we want to share that it could. We would go over what is the return…
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Life insurance with living benefits if undocumented

There is a stigma around people without documents. In this time and age, it is hard to believe that people with undetermined immigration status are having a hard time securing coverage to protect their families. Many of the clients we help are happy to know that they finally have found an insurance company that will…
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Survivorship life insurance for foreign nationals

There are various life insurance products, addressing different needs. There is one type of policy that it’s not well known and we consider it the “hidden gem” – it is survivorship life insurance or second to die policy. In this post, we would list what exactly this product does, its benefits, and why survivorship life…
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Life insurance for Parole in Place

The US government has put in place various programs to help military families stay together. One of these programs is Parole in Place (PIP), and even though the program may come to an end, they are many families still filing their applications. So, what is Parole in Place and why discuss life insurance for Parole…
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Life insurance with living benefits for people with diabetes

Are you or someone you know diagnosed with diabetes? Have you considered the financial implications should you develop any complications? We want you to take a second look at life insurance with living benefits with diabetes. We consider it a “must-have” for anyone diagnosed with this illness or who has higher chances of developing diabetes.…
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Are all companies offering the same living benefits?

Accelerated Benefit Riders or as often referred to as living benefits are gaining momentum. More and more people are learning about the option to have this feature offered by their life insurance carrier. However, what exactly are living benefits and are living benefits the same amongst the life insurance companies? Well, this is exactly what…
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