The Truth About Life Insurance

Learn about the different types of life insurance and how they work

whole life insurance

Whole Life Insurance

Contractual Guarantees in whole life insurance With whole life insurance there are generally contractual guarantees in the life insurance policy. The death benefit is guaranteed.

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How life insurance rates are determined.

Finding the right life insurance coverage for you, your family or  your business is not necessarily a race to the bottom for the “best rate.”  Rates are set by each insurance carrier and reflect a variety of consideration by the carrier, including what features and benefits are included in a life insurance contract, and insurance companies charge the same premium for any given product, no matter who the policy is obtained from.  Please be clear on this point — no website, mail-in form, or agent, can get you a better rate than anyone else!

Finding the right agent is critical.

It is a prudent person who will seek advice from an experienced, knowledgeable professional who can make sure, the client has the right product to meet the needs of the client, and this advice and service is at no additional cost to the client.   A life insurance policy is a contract, and there are initially five parties to this contract, although, most people think it’s just between them and an insurance company.

Each party to the life insurance contract has certain rights at certain times, and some also have certain responsibilities; this is why it is important to get the free advice provided by a professional, knowledgeable and experienced agent.

Know your rights within the life insurance industry!

Each party to the life insurance contract has certain rights at certain times, and some also have certain responsibilities; this is why it is important to get the free advice provided by a professional, knowledgeable and experienced agent.

Get Help Today.

Our advocates will give you the best quotes from the entire industry.

Get Help Today.

Our advocates will give you the best quotes from the entire industry.