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How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?

Equity Indexed Life Insurance

Whole (or permanent) life insurance policies are more than meet the eye. Sure they offer a death benefit that caries through the rest of your life as long as you pay your premium and keep the policy in force, but more than that they offer an additional benefit of premiums accruing into something called cash values.

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Universal Life Insurance

Universal life insurance might sound like a policy that covers more than just your life, but in reality, universal life insurance is simply a life insurance policy that offers a death benefit as well as the option for cash value accumulation. With universal life insurance, you have a varying premium that you can pay.

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Whole Life Insurance Policies

One of the most basic and popular types of life insurance policies available is the whole life insurance policy. Whole life insurance policies pay out a death benefit over your entire life, unlike term policies which only pay for a certain period of time. In addition, they accrue cash values.

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Term Life Insurance

If you have been comparing life insurance rates then chances are good that you have looked at term life insurance. Term life insurance is a terrific product for people who:

  1. Need a high dollar death benefit with a low dollar premium.
  2. Need a temporarily high amount of life insurance death benefit.
  3. Need a gradually decreasing amount of life insurance.
  4. Need a simple, small burial policy.

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Variable Life Insurance

One of the more popular forms of life insurance out there is variable life insurance. But why is this complex form of life insurance gaining such popularity, and how can it benefit your financial foundation?

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Life Insurance Riders, Part 3: Additional Insured Riders

Your life insurance policy doesn’t have to just cover you. In fact, you can simplify your life and budget by adding family coverage riders to your life insurance policy. These riders provide affordable coverage for your spouse and children.

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Life Insurance Riders, Part 2: Premium Riders

There are many life insurance riders that can affect your premium. Some provide you with a return of your premium while others waive your premiums during a time of disability. These premium riders can be a real insurance policy saver and add additional values that many consumers love.

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Life Insurance Riders, Part 1: Additional Benefit Riders

A life insurance policy is not as straight forward a product as you might think. In fact, you can build a life insurance policy that adds additional benefit beyond the death benefit paid upon death of the policy holder. These additional benefits come in the form of riders, which are additional contracts that can be tacked on to a life insurance policy.

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