BestLifeRates.org

Heidi Mertlich

How Do You Convert Your Life Insurance?

By: Heidi Mertlich, Last Updated:

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Life insurance policy conversions take place every day. Sometimes, your best option to meet your current life insurance needs is through converting your existing policy. Referred to as conversion privilege, life insurance contracts often allow you to change to a different form of coverage without a medical exam. If your policy is nearing expiration, or.. Read More

How Long Does Nicotine Stay In The System?

By: Heidi Mertlich, Last Updated:

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Nicotine. Is it in your system? Why does it matter? Let’s compare your bodily system to a car for a moment. Picture a dashboard. Say your system has a dashboard with a set of gauges, just like a car does. Instead of measuring fuel, oil, engine health and tire pressure like you would see in a.. Read More

Life Insurance For Someone Who Is Overweight

By: Heidi Mertlich, Last Updated:

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Most Americans are overweight. If you’re among the majority of Americans who are overweight or obese, finding life insurance might not always be as simple as you’d hope. What you need – an insider’s guide (a cheat sheet, if you will) to understanding exactly how life insurance companies underwrite an overweight or obese individual. Consider.. Read More

AIG Direct Review

By: Heidi Mertlich, Last Updated:

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With a wide variety of policies, fairly competitive rates across the board, and an easy application process, AIG Direct is a solid choice for most life insurance applicants. AIG is committed to meeting people’s buying preferences, creating AIG Direct so you can skip the face-to-face agent meetings and buy a policy directly from the carrier… Read More

Group Life Insurance

By: Heidi Mertlich, Last Updated:

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Group life insurance is now the most common form of life insurance coverage in America. 108 million Americans have group life insurance. 102 million have life insurance through an individual policy. – LIMRA Study For the millions of Americans who have signed up for a group life insurance policy, it’s often a perk of their.. Read More

Split Dollar Life Insurance

By: Heidi Mertlich, Last Updated:

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Think of split-dollar life insurance as a win-win strategy between two parties. Split-dollar, when properly set up, is a mutually beneficial arrangement in which an owner and non-owner split and share a life insurance contract. Here, you will find a definitive guide to the strategy, including how and when it works, the tax implications, merits.. Read More