Life Insurance 101

Ways use your life insurance to pay your medical bills

We will start out by saying that you CAN use your life insurance to pay for your medical bills. There are many companies allowing you to “use” your death benefit while you’re still alive. We’d like to think of it as a modern life insurance policy. In this guide, we will list when you can…

Are living benefits and cash value the same thing?

Have you heard the term: you don’t have to die to use your life insurance? What exactly does it mean? In what ways can you use your life insurance, while still alive. In this post, we will go in-depth outlining what are living benefits and cash value. We will explain what each means, list the…

Reasons to get NO medical exam life insurance

Did you know that you can secure a life insurance policy with no medical exam? Is that option better and why? What are the things that you need to look out for and what are the advantages? In this guide, we will answer these questions. We will list the reasons why and when no medical…

Life Insurance with Living Benefits: How to Get Cash While You’re Alive

Every 40 seconds, someone in the US suffers a heart attack. For many, the physical recovery is just the beginning: medical bills, lost income and lifestyle changes can follow for years. What if your life insurance could step in before it’s too late? With life insurance with living benefits, you can access part of your…

Why life insurance is expensive? [or is it]

“Life insurance is expensive” or “How much does life insurance cost?” These are some of the most common things that people say when they hear life insurance. And we get it. Life insurance is expensive, or is it? We wanted to take the time and really go in-depth and put together this guide to finally…

Do I need life insurance if…

Do I need life insurance? We’re sure that this is one of the first things that come to mind when one hears life insurance. The most common answer that we give to ourselves is: “probably yes, but….”. And then it begins. As people, we tend to avoid topics that we don’t want to think about…

What is life insurance?

What is life insurance? What is the use of it? There are 2 equally true answers to these questions: the legal, terminology answer and the real answer. In this post, we will go over both of them. Regardless of which one you prefer, life insurance is a necessity. Did you know that many people think…

How is your life insurance rate determined

Have you ever wondered how exactly is your life insurance rate determined? What factors are considered and how they affect your premium? Well, in this post we will dive deeper into life insurance rates and go over the basic factors determining your premium. First off, we would like to start by clarifying that there are…

How to get cheap life insurance

In many instances, price is a determining factor when deciding whether to buy something. This stands true even when we discuss life insurance. People want to get cheap life insurance and this is understandable. We all would like to save whenever we can. In this post, we will go over the 5 simple steps to…