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What Types of Life Coverage Are Superior? It Depends.

There are several types of life insurance which could potentially be a solution, but it doesn't mean they are the right one. For example, would a young person want a simple term policy or a complex whole life insurance policy? Would a budding business be better off with a 10-year, 20-year, or 30-year term?

And oddly, those are the easy questions. When you start adding more complex situation, there are more complex solutions. Now you can throw these into the mix: variable, indexed and survivorship policies. Erm, what?

If you really want to blur the lines, annual renewable term policies and return of premium contracts will really muddy the water, but they do have very apparent advantages when used properly. This is why choosing the right type of policy is crucial.

Make the right decision, and you'll save time, save money, and save yourself a serious headache down the road.

Million Dollar No Exam Term Life Insurance (Now $3M!)

By: Jason Fisher, Last Updated: November 4, 2019 3:32 pm

Advertiser Disclosure

Trying to find an affordable million dollar term policy can be a task in itself. But trying to find a million dollar no exam term life insurance policy was impossible, until now. A revolutionary new product gives Americans access to seven figures of coverage without any medicals, any needles, and ultra-fast turn around times. You can do it.. Read More

Filed Under: No Exam

The Ins & Outs Of Key Man Life Insurance (Key Person Insurance)

By: Jason Fisher, Last Updated: April 22, 2019 11:36 am

Advertiser Disclosure

Key man life insurance is a very often overlooked, yet extremely crucial piece of risk mitigation for small and large businesses. Let’s step away for just a moment and imagine a scenario where it was not in place, so you can better understand why it’s needed. A small business, we’ll call it ZYX Widgets, has two.. Read More

Filed Under: Types

Decreasing Term Life Insurance

By: Jason Fisher, Last Updated: November 5, 2019 9:01 am

Advertiser Disclosure

Many Americans are familiar with traditional term and whole life insurance policies, but may not be knowledgeable about specific types such as decreasing term life insurance. With standard life insurance, you pay a premium, and if you die while the policy is in force, the stated death benefit is paid out to your beneficiaries. In.. Read More

Filed Under: Term, Types

Accidental Death and Dismemberment Insurance – AD&D Insurance

By: Jason Fisher, Last Updated: May 29, 2017 9:10 am

Advertiser Disclosure

When discussing life insurance, it’s necessary to bring up the topic of accidental death and dismemberment insurance as they can go hand-in-hand for several different reasons. Also called AD&D, it’s a special insurance policy which only pays out under strict circumstances where death occurs by way of an accident. Often confused with traditional life insurance,.. Read More

Filed Under: Types

Is Whole Life Insurance A Good Investment?

By: Jason Fisher, Last Updated: November 16, 2018 9:24 am

Advertiser Disclosure

When shopping for life insurance, your agent or broker may begin pushing whole life insurance as an investment that will benefit you in the long run. For consumers who do not like the idea of “throwing away” money on term coverage, permanent whole life insurance offers an alternative because the accumulated cash value can be withdrawn.. Read More

Filed Under: Types

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BestLifeRates.org, LLC. provides independent information for the purpose of providing consumers insight into obtaining the best life insurance coverage from the best life insurance company they could obtain, subject to underwriting. No mention of an insurance company or its prices is an offer for life insurance, and all users and applicants shall be subject to any and all underwriting requirements by the insurance company in which you apply.
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