Life Insurance 101

Understanding the types of term life insurance

We all know there are many types of life insurance. However, is all term life insurance the same? What are the different policies on the market and how to select which one is best suited for you and your family? In this article, we will outline the different types of term life insurance, the application…

Does Term Insurance have Living Benefits?

There are a lot of misconceptions when it comes to life insurance with living benefits. Understandably, many people are not even aware that such an option exists and what it actually means. In this article, we would like to address that and answer whether term insurance has living benefits. We’ve divided the information into several…

Guaranteed Universal Life: When it Makes Sense

With so many options for coverage, it is no wonder that choosing the right insurance plan may be challenging. In this article, we want to outline the advantages of a not very well-known option: Guaranteed Universal Life insurance, and why you might want to lock it now. Here is what we would cover What is…

Are there cons of life insurance with living benefits

Have you ever heard of the term life insurance with living benefits and all it could do for you and your family? What does it mean and is it all good news? Well, in this article, we point out the cons of life insurance with living benefits. The main goal of this article is to…

The process of accelerating life insurance benefits

Accelerated benefit riders in life insurance policies are still a new concept for many. Naturally, clients have various questions about it. One of the most common questions we receive is what is the process of accelerating life insurance benefits? In other words, how would have I access to the benefit? In this guide, we would…

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…

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 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.…