Blog | OneStopLifeInsurance.com

Waiting period to use living benefits in life insurance

Accelerated Benefit Riders, also known as living benefits are gaining momentum. More and more companies are acknowledging their value and are offering them to their life insurance products. However, the concept of life insurance with living benefits is still new for many and naturally, there are many questions about it. The question we would focus…

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…

Cost of Life Insurance with ITIN: What You Need to Know

One of the biggest concerns clients have is the cost of life insurance with ITIN. Many wonder if applying without a Social Security number means they’ll pay more for coverage. The truth is, life insurance companies look at more than just your immigration status, they consider your health, age, financial ties to the US, and…

Life insurance with an ITIN

Did you know that you don’t need a Social Security Number (SSN) to secure life insurance in the United States? For millions of individuals living here without an SSN, an Individual Taxpayer Identification Number (ITIN) can be the key to protecting their loved ones and planning for a more secure future. In this guide, we’ll…

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…

Life insurance with living benefits if undocumented made easy

Many of the clients we help are happy to know that they finally have found an insurance company that will underwrite their health and lifestyle, not their visas. In addition, they are really ecstatic to learn that they can secure life insurance with living benefits as undocumented immigrants. In this article, we will outline what…

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…

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…

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.…