Grant Desselle
Licensed Insurance Agent
Grant's past experience includes work as a licensed sales agent for Hagerty Insurance. He has reviewed thousands of existing auto policies across the nation and issued hundreds of new ones on everything ranging from classic cars undergoing restoration to modern exotics and motorcycles.
Articles by Grant Desselle (88)
Brian Greenberg - Million Dollar Round Table Member
Insurancy founder and CEO Brian Greenberg has been a member of the Million Dollar Round Table (MDRT) since 2013. MDRT is the premier global association for life insurance and financial services professionals, and membership is limited to about the top 1 percent of advisors worldwide.
Is Primerica a Pyramid Scheme? What to Know Before Buying
Primerica is a publicly traded life insurance company (NYSE: PRI) that sells through a multi-level marketing (MLM) sales force. It is not a pyramid scheme in the legal sense because it sells a real product, but its MLM structure means most recruits never earn meaningful income and its term life prices tend to run above independent-agent quotes for the same face amount. Comparing quotes elsewhere is smart before signing up.
21 Life Insurance Myths Debunked - What Is Actually True
Life insurance is one of the most misunderstood products in personal finance. This guide takes the 21 most common myths, from "term life is a waste of money" to "I am too young to need it," and answers each one with what the industry actually does. Most families are underinsured because of one of these myths.
Life Flight Insurance - Air Ambulance Membership Explained
Life Flight and other air-ambulance memberships cover the balance-billing gap that health insurance often leaves behind after an emergency medical flight. A single air-ambulance trip can bill $40,000 or more, and membership plans keep the out-of-pocket cost predictable for a small annual fee. It is a niche protection worth considering if you live in a rural area or travel remote regions.
Mortgage Life Insurance - Do You Need It? Alternatives
Mortgage life insurance is designed to pay off your home loan if you die during the mortgage term. The benefit shrinks with your loan balance and the lender is typically the beneficiary. A standard level term policy usually costs less, covers more, and lets your family choose how to spend the payout, which is why most buyers pick term over mortgage life.
Dave Ramsey on Life Insurance - What He Recommends
Dave Ramsey recommends level term life insurance in the amount of 10 to 12 times your annual income for a term long enough to cover the years your family depends on you. He is famously against whole life and universal life. His advice is sound for most middle-class families but leaves gaps for buyers with estate, business, or long-horizon legacy goals.
Washington State Long-Term Care Tax (WA Cares) Explained
Washington State charges a 0.58 percent payroll tax through the WA Cares Fund to pay for a $36,500 lifetime long-term care benefit for eligible workers. Workers who owned private long-term care coverage before November 1, 2021 could apply for a permanent opt-out, and specific groups such as veterans with disabilities and out-of-state workers can also be exempt. Understanding the rules helps Washington residents plan their care.
Disability Income Rider on Life Insurance - How It Works
A disability income rider adds a monthly cash benefit to your life insurance if you become totally disabled and cannot work. It is usually a fixed dollar amount (often 1 percent of the face amount per month) paid for a set period after an elimination period. It is a cheap add-on for basic income protection but is not a substitute for a full disability insurance policy.
Benefits of Using an Independent Life Insurance Agency
An independent life insurance agency is licensed with many carriers rather than one, which lets it compare quotes and underwriting for the same applicant across dozens of insurers. Independent agents also stay with you across policy events like beneficiary changes, conversions, and claims, and they save time and money for buyers with complicated health, occupation, or coverage needs.
Personal Loan Protection Insurance - Is It Worth It?
Personal loan protection insurance is a policy sold with a personal loan that pays some or all of the balance if you die, become disabled, or in some cases lose your job. It is convenient, but a standard level term life policy paired with disability insurance usually delivers more coverage per dollar and follows you across every debt, not just this one loan.
Simplified Issue Whole Life Insurance - No Exam, Lifelong
Simplified issue whole life insurance skips the medical exam and asks a short set of health questions instead, then locks in a fixed premium and a lifelong death benefit with cash value. It fits buyers who want permanent coverage without waiting weeks for underwriting, though prices run higher than fully underwritten policies for the same face amount.
Long-Term Care Rider on Life Insurance - How It Works
A long-term care rider on a life insurance policy lets you use part of your death benefit to pay for qualified long-term care costs like a nursing home, home health aide, or assisted living. It builds LTC coverage into a policy you would already own, and unlike stand-alone LTC insurance, the death benefit still pays out to your family if you never need care.
Mutual of Omaha Cancer, Heart Attack, and Stroke Insurance
Mutual of Omaha sells a supplemental critical illness policy that pays a lump-sum cash benefit if you are diagnosed with cancer, a heart attack, or a stroke. The benefit is paid directly to you and can cover deductibles, income gaps, or non-medical expenses. It is designed to fill the cost gaps that major medical insurance leaves after a serious diagnosis.
Accelerated Death Benefit Rider - How It Works
An accelerated death benefit rider lets you withdraw part of your life insurance death benefit early if you are diagnosed as terminally ill, and often for critical or chronic illness too. Most modern policies include the rider at no extra cost, and the withdrawal is generally income-tax-free. It turns your life insurance into a source of funds while you are still living.
Indexed Universal Life Insurance Guide - IUL Explained
Indexed universal life insurance is a permanent policy that credits cash-value growth based on the performance of a stock index like the S&P 500, subject to a floor and a cap. IUL gives more upside than whole life without direct market losses, plus flexible premiums, but caps, participation rates, and policy charges make it a long-horizon product, not a market fund.
Life Insurance for Seniors - Best Options by Age
Retiring does not end your life insurance options. Healthy seniors can still buy level term policies, final expense policies cover funeral costs with simplified underwriting, and guaranteed acceptance policies skip health questions entirely in exchange for graded benefits. The right choice depends on your age, health, and what you need the payout to do.
Life Insurance While Pregnant - How to Get Approved
Pregnancy does not disqualify you from life insurance. Insurers review your pre-pregnancy health and weight along with any complications, and the first trimester is generally the easiest window to get approved at your normal rate class. A growing family is exactly when coverage matters most.
Why Women Need Life Insurance - Key Stats and Reasons
Women are underinsured compared to men despite earning, caregiving, and living longer. A stay-at-home mom's labor would cost a full-time salary to replace, women make up nearly half the workforce, and family history factors like BRCA affect insurability, which makes locking in coverage early especially valuable for women.
Jobs and Hobbies That Raise Life Insurance Rates
Dangerous work and hobbies raise life insurance prices because they raise the odds of an early claim. Insurers flag occupations like logging, roofing, and aviation, and hobbies like skydiving and scuba diving, then add a flat extra charge or assign a higher rate class. Honest disclosure and the right carrier match keep coverage affordable.
Marijuana and Life Insurance - How Insurers Rate THC
Marijuana users can absolutely buy life insurance. Rates depend mostly on frequency of use: occasional users can land standard or better classes at marijuana-friendly carriers, while frequent users are often rated in the smoker class. Insurers verify use through THC testing, application answers, and MIB records, so honesty is essential.
Life Insurance to Secure an SBA Loan - What Lenders Require
SBA lenders routinely require life insurance before closing when a business depends on its owner: a policy at least equal to the loan amount, with a collateral assignment giving the lender first claim until the debt is repaid. Term life fits best, and no-exam accelerated underwriting means even a tight closing timeline is workable for healthy applicants.
What Is LexisNexis? How Insurers Use Your Data
LexisNexis Risk Solutions is a data broker life insurers rely on during underwriting: it supplies motor vehicle records, prescription histories, public records, and its Risk Classifier score that predicts mortality risk from data instead of labs. It powers many instant-decision products. You have the right to request your LexisNexis consumer file and dispute errors under the FCRA.
Are Life Insurance Premiums a Deductible Business Expense?
Life insurance premiums are generally not a deductible business expense when the business is a direct or indirect beneficiary, which covers key person coverage and policies backing buy-sell agreements. The main exception is employer-paid group term life for employees: premiums are deductible, and the first $50,000 of coverage per employee is also excluded from the employee's income.
Can You Retake a Life Insurance Medical Exam? Your Options
If your life insurance exam results came back worse than expected, you usually can retake the exam or ask the insurer to re-run specific labs, though carriers differ on timing and rules. Often the smarter play is applying to a different carrier whose underwriting treats your specific issue more favorably, or waiting a few months to correct a temporary result before re-testing.
Funding a Buy-Sell Agreement with Life Insurance - Guide
A buy-sell agreement is a contract that fixes what happens to an owner's share of the business at death, and life insurance is the standard way to fund it: the policy delivers the exact cash needed to buy out the deceased owner's stake the moment it is needed. The two classic structures are cross-purchase, where owners insure each other, and entity purchase, where the business owns the policies.
Life Insurance Rate Classes - How Insurers Decide Yours
Your rate class is the single biggest driver of your life insurance price. Insurers sort applicants into classes like Preferred Plus, Preferred, Standard Plus, and Standard (plus table ratings below that) based on health history, build, blood work, family history, driving record, and nicotine use. Each carrier draws the lines differently, which is why shopping the same profile across carriers changes the quote.
Workers Comp Insurance for Small Business - What to Know
Most states require workers compensation as soon as a small business hires its first employee, and even where thresholds are higher, going without coverage exposes the business to lawsuits and fines. Coverage pays employee medical costs and lost wages after work injuries. Premiums scale with payroll and industry risk, which keeps costs manageable for most small teams.
Does Personal Auto Insurance Cover Business Use? The Rules
Personal auto insurance generally does not cover business use of a vehicle: policies exclude commercial activity, and a claim that happens while working can be denied outright. Commuting is fine; deliveries, hauling tools to job sites, transporting clients, and rideshare work are not. Regular business use calls for a commercial auto policy or, for occasional use, specific endorsements.
How No Exam Life Insurance Works - Instant Underwriting
No exam life insurance replaces the needle and the nurse with data: insurers verify prescription histories, MIB records, motor vehicle reports, and application answers, then run them through underwriting models that can approve qualifying applicants in minutes. Healthy applicants get real fully underwritten pricing without labs, while guaranteed issue products serve those who cannot qualify.
How Long Does a Life Insurance Application Take? Timeline
The life insurance application timeline depends on the underwriting path. No-exam accelerated underwriting can approve qualifying applicants the same day. Fully underwritten policies typically take four to eight weeks: application, exam scheduling, lab results, medical records requests, underwriting review, and offer. Records requests from doctors' offices are the most common bottleneck.
Workers Comp for Self-Employed Contractors - Do You Need It
Most states do not require self-employed contractors with no employees to carry workers compensation, but the market often does: general contractors, commercial clients, and some licensing boards demand proof of coverage before you can work. Options include buying a policy that covers you personally or, where accepted, a certificate of exemption.
Restaurant Insurance Programs - Coverage and Ways to Save
Restaurant insurance programs bundle the coverages food businesses need most: general liability, commercial property, workers compensation, liquor liability, spoilage, and business interruption, often at package pricing below buying each policy separately. Premiums track your square footage, payroll, alcohol sales, and claims history, and several practical steps cut costs without thinning protection.
Graded Benefits vs Contestability - Key Differences
Graded death benefits and the contestability period both affect early claims but are different mechanisms. Graded benefits are a product feature of guaranteed issue policies: natural-cause payouts phase in over two to three years. Contestability is a legal window, typically the first two years of any policy, when the insurer can investigate claims and rescind coverage for material misrepresentation on the application.
Life Insurance Underwriting Process - Step by Step
Underwriting is how a life insurer turns your application into a price: an underwriter reviews your health history, exam results, prescription records, MIB report, driving record, and lifestyle to assign a rate class. The process runs from instant (accelerated) to several weeks (fully underwritten), and preparation, honest answers, and the right carrier match improve the outcome.
Court-Ordered Life Insurance in Divorce - How It Works
Courts routinely order a divorcing spouse to carry life insurance so alimony and child support survive their death. The paying spouse typically owns the policy with the ex-spouse as beneficiary, sized to the support obligation and its duration. Instant-decision term policies can put coverage in force the same day, which matters when a decree sets a deadline.
9 Ways Life Insurance Will Not Pay Out - Denied Claims
Life insurance almost always pays, but nine situations can void a payout: death during the two year suicide exclusion, withholding information on the application, dangerous activities, illegal activities, act of war clauses, living outside the United States, fraud, missing insurable interest, and lapses caused by policy replacement. Honest applications and premiums paid on time prevent nearly all of them.
MIB Report - What Life Insurers Know About You
MIB (formerly the Medical Information Bureau) is a member-owned data exchange life insurers use to cross-check applications. Your MIB report contains coded flags from previous individual life, health, and disability applications: reported conditions, lab abnormalities, and hazardous activities. You can request your file free once a year directly from MIB and dispute anything inaccurate.
DUI and Life Insurance - How Rates and Approval Change
A DUI makes life insurance more expensive but rarely uncoverable. Carriers care most about how recent the offense is: within the first year or two, many decline or offer table ratings; after three to five clean years, several carriers return to standard classes; and older single offenses can even reach preferred at the most forgiving insurers. Carrier selection matters more here than almost anywhere.
How to Find Out if Someone Has Life Insurance - 6 Steps
Start with the free NAIC Life Insurance Policy Locator, which asks participating insurers to search for policies in the deceased's name. From there, check personal papers and bank statements for premium payments, ask employers about group coverage, search state unclaimed property databases, and consider an MIB policy search for applications made after 1996.
Life Insurance Policy Features and Types Explained
Policy features decide who a policy fits. Accidental policies pay only for accidents, graded and modified benefit policies phase in payouts for higher-risk buyers, no exam and rapid issue policies trade labs for speed, guaranteed issue asks no health questions, return of premium refunds your payments if you outlive the term, and living benefits let you use the policy while alive.
Life Insurance Definitions - Glossary of Key Terms
Life insurance has a vocabulary all its own. This glossary defines the terms buyers meet most often: the death benefit your beneficiaries receive, the premium you pay, cash value inside permanent policies, riders that add features like accelerated death benefits, and the underwriting classes that set your price.
Imputed Income and Life Insurance - The $50,000 GTL Rule
Imputed income is the taxable value of employer-paid group term life insurance above $50,000 of coverage. The IRS sets the value using its Table I uniform premium rates based on your age, and the amount appears on your W-2 (Box 12, Code C) and is subject to Social Security and Medicare taxes. The first $50,000 of employer-paid coverage stays tax free.
Simplified Issue Term Life Insurance: How It Works
Simplified issue term life insurance is a term life policy issued on the basis of a short health questionnaire and third-party records check (prescription history, MIB, motor vehicle records) instead of a paramedical exam. Decisions are typically returned within 24 to 72 hours and policies can be in force within a week. Coverage caps are lower than fully underwritten term (typically $1 million to $3 million) and rates are slightly higher than fully underwritten term for the healthiest applicants but materially lower than guaranteed issue products.
Decreasing Term Life Insurance: How It Works and Cost
Decreasing term life insurance is a term life policy whose death benefit drops on a fixed schedule over the life of the policy, typically aligned with a declining obligation like a mortgage payoff or business loan. Premiums are usually level, not decreasing, despite the falling death benefit. Decreasing term is much less common in the U.S. retail market than level term because the premium savings are typically small and the buyer is exposed to a coverage shortfall if the underlying obligation is paid down slower than the schedule assumes.
Term vs Whole Life Insurance: Key Differences and Cost
Term life and whole life are the two main categories of life insurance in the United States. Term life provides coverage for a defined period (10, 15, 20, 25, 30, or 40 years) at the lowest possible cost per dollar of death benefit. Whole life provides lifetime coverage with a fixed premium and accumulates cash value over time but costs 5 to 15 times more per dollar of death benefit. Term life is the right choice for roughly 90 percent of buyers; whole life is the right choice for a smaller set of buyers with permanent insurance needs (estate planning, special-needs dependents, lifetime income replacement).
Gerber Life Insurance Review
Gerber Life Insurance Company is an A rated U.S. life insurance company founded in 1967 as a subsidiary of the Gerber baby food company. While Gerber Life is now owned by Western & Southern Financial Group, it remains best known for the Gerber Grow-Up Plan, a children's whole life policy that automatically doubles its face amount at age 18.
Life Insurance for Babies: When It Makes Sense (and When It Doesn't)
Life insurance for a baby usually makes sense in only two narrow situations: when parents want to lock in lifetime insurability before a future health condition can develop, or when they want a small cash-value savings vehicle that the child can access at age 25 to 30. This guide compares the two product paths (a Child Rider on the parents policy, which is the cheapest option, vs. a standalone childrens whole life policy like Gerber Life Grow-Up Plan), shows realistic premiums and projected cash values, and walks through the financial trade-offs vs. a 529 plan or custodial Roth IRA.
Life Insurance Beneficiary Rules: A Complete Guide
A life insurance beneficiary designation overrides the will, which means a beneficiary form filled out 20 years ago can quietly redirect a $500,000 death benefit to an ex-spouse, a deceased family member, or even the estate (triggering probate). This guide walks through every rule that controls who gets paid: primary vs. contingent, per stirpes vs. per capita, the rules for naming minors and trusts, the community-property quirks in 9 states, and how to properly update a beneficiary after marriage, divorce, the birth of a child, or any major life change.
American National Life Insurance Review
American National Insurance Company (ANICO) is a Texas-headquartered insurer founded in 1905. After being acquired by Brookfield Reinsurance in 2022, American National exited the new life insurance market in 2023 and pivoted to property-casualty insurance and annuities only. Existing life insurance policies remain in force.
Assurity Life Insurance Review
Assurity Life Insurance Company is an A- rated mutual insurance company founded in 1890 and headquartered in Lincoln, Nebraska. Assurity specializes in supplemental and specialty products: return of premium term life, critical illness insurance, accidental death and dismemberment, and disability income insurance.
Online Life Insurance Quotes: 8 Carriers Compared
Eight top-rated U.S. life insurance carriers now offer fully online applications with instant or 1-to-3-day decisions, no medical exam for healthy applicants under set face amount caps, and the same A-rated financial strength as traditional carriers. This guide compares each of them on no-exam cap, age eligibility, decision speed, and which buyer profile gets the best rate with each carrier.
Return of Premium Life Insurance
Return of premium (ROP) life insurance is a level term policy that refunds 100 percent of premiums paid if you outlive the term. Premiums typically cost 30 to 50 percent more than standard level term, but you get a tax-free refund at the end of the term if you do not die.
National Life Group Insurance Review
National Life Group (NLG) is an A rated mutual insurance holding company founded in 1848 and headquartered in Montpelier, Vermont and Addison, Texas. NLG is best known for its LiveWell product line and for including the deepest and broadest set of living benefit riders (chronic illness, critical illness, terminal illness) in the U.S. life insurance market.
The Life Insurance Application Process: How to Qualify
A life insurance application has three main components: a written questionnaire about your health, lifestyle, and finances; a public records check including MVR, prescription history, and MIB; and, for fully underwritten policies, a brief medical exam performed at your home or office. Understanding each step ahead of time is the difference between a 10-day approval at the best rate class and a 6-week back-and-forth at a higher rate class.
How to Get the Best Life Insurance Rates: 11 Proven Tips
The same 35-year-old can pay anywhere from $19 to $42 a month for the exact same $500,000 20-year term policy depending on which carrier they apply to and how the application is structured. This guide walks through the eleven adjustments that consistently move applicants into the lowest rate class and save the typical buyer $200 to $500 a year on the same death benefit.
Royal Neighbors of America Life Insurance Review
Royal Neighbors of America is a fraternal benefit society founded in 1895 in Council Bluffs, Iowa. It is one of the few major U.S. life insurance organizations founded and historically governed by women, with a focus on women-led households. Royal Neighbors offers term life, whole life, simplified-issue whole life, and guaranteed-issue whole life with included member benefits.
Banner Life Insurance Review (Legal & General America)
Banner Life is the U.S. life insurance arm of Legal & General Group, a London-headquartered global insurer founded in 1836. Banner Life consistently ranks among the most competitive carriers for fully-underwritten level term life insurance, particularly on 30-year and 40-year terms. Rated A+ (Superior) by A.M. Best.
How to Buy Life Insurance: A Step-by-Step Buyer's Guide
Buying life insurance comes down to four decisions: how much coverage you need, how long it should last, what type of policy fits your situation, and which carrier will underwrite you for the lowest rate. This guide walks through each step in plain English and shows how to avoid the mistakes that quietly cost most buyers thousands of dollars over the life of a policy.
North American Company Life Insurance Review
North American Company for Life and Health Insurance (NACOLAH) is an A+ rated life insurance carrier founded in 1886 and headquartered in West Des Moines, Iowa. As part of Sammons Financial Group, North American specializes in indexed universal life (IUL) and guaranteed universal life (GUL) products. Strong accelerated underwriting up to $1,000,000 for healthy applicants.
Ladder Life Insurance Review
Ladder Life was a digital life insurance brokerage founded in 2017 known for its flexible "laddering" feature that let policyholders adjust coverage up or down over time. Ladder was acquired by Allstate in 2024 and no longer offers new policies under the Ladder brand. Existing in-force policies continue to be administered.
Ethos Life Insurance Review
Ethos Life is a digital life insurance brokerage founded in 2016 and headquartered in Austin, Texas. Ethos offers a 100 percent online application with instant decisions for term life coverage up to $2 million for healthy applicants ages 20-65. Ethos does not underwrite policies itself; coverage is underwritten by A+ rated Legal & General America (Banner Life) and other A-rated partner carriers.
Car Insurance Buyers Guide
Car insurance is a contract that pays for damage to your vehicle, injury to others, and liability claims from accidents you cause. Required in 49 of 50 states (New Hampshire is the exception). The average U.S. driver pays $1,895 per year for full coverage as of 2024.
Motorcycle Insurance Guide
Motorcycle insurance is a contract that covers liability, collision damage, theft, and riding gear for motorcycles, scooters, and ATVs. It is required by law in 49 of 50 U.S. states. The average rider pays around $700 per year, but rates vary widely by bike type, rider age, and state.
Renters Insurance Buyers Guide
Renters insurance is a contract that covers your personal belongings, liability, and additional living expenses while renting an apartment or house. It does NOT cover the building structure (that is the landlord's responsibility). The average U.S. renter pays $15 to $25 per month for $30,000 of personal property coverage with $100,000 liability.
Corebridge Financial Life Insurance Review
Corebridge Financial is an A rated life insurance company that spun out of AIG in 2022 and IPO'd on the NYSE. It markets the legacy AIG life insurance product portfolio, including Select-a-Term, Quick Issue Term, Quality of Life Insurance with strong living benefits, and Guaranteed Issue Whole Life.
Is Life Insurance Taxable? Payouts, Cash Value, and More
For the vast majority of beneficiaries, life insurance death benefits are federal-income-tax-free under IRC Section 101(a) when paid as a lump sum to a named beneficiary. However, there are five specific situations where part or all of a life insurance payout becomes taxable: the transfer-for-value rule, federal estate tax inclusion, interest earned on deferred installments, Modified Endowment Contract (MEC) classification, and cash value withdrawals above the cost basis. This guide walks through each scenario with examples, the IRS code section that governs it, and the structures that avoid each tax trigger.
Life Insurance With Living Benefits
Life insurance with living benefits (also called accelerated benefit riders or ABRs) lets you access a portion of the death benefit while you are still alive if you are diagnosed with a chronic, critical, or terminal illness. Most A-rated carriers now include these riders at no extra cost, and the payouts are typically income-tax-free.
Are Life Insurance Premiums Tax Deductible?
For personal life insurance policies, premiums are not federal-tax-deductible. The exceptions are narrow but specific: business-owned life insurance used as a documented compensation tool, alimony-required policies issued under pre-2019 divorce decrees, premiums paid by a 501c3 charity that owns the policy, and group life insurance up to $50,000 per employee under IRC Section 79. This guide walks through each exception, the IRS rules that govern it, and how to structure the policy correctly so the deduction is defensible on audit.
AARP Life Insurance Review
AARP Life Insurance is not underwritten by AARP - AARP is a nonprofit advocacy organization that licenses its brand to New York Life Insurance Company. "AARP Life" products are New York Life products marketed exclusively to AARP members ages 50+. Understanding this relationship is critical when comparing coverage options.
Protective Life Insurance Review
Protective Life Insurance Company is an A+ rated U.S. insurer founded in 1907 and headquartered in Birmingham, Alabama. Owned by Japan's Dai-ichi Life Holdings since 2015, Protective is one of the most competitive carriers for fully-underwritten term life (Classic Choice Term) and guaranteed universal life (Custom Choice UL).
Buy Term and Invest the Difference (BTID): The Math + When It Wins
Buy Term and Invest the Difference (BTID) is the strategy of buying inexpensive term life insurance instead of whole life and investing the monthly premium difference in a low-cost diversified portfolio (typically an S&P 500 index fund or target-date retirement fund). The math is compelling for most buyers because term costs 5 to 20 percent of whole life for the same death benefit and the difference, invested at a 6 to 8 percent average annual return, typically grows to more than the cash value of the whole life policy would have. This guide breaks down the math with realistic numbers, the four buyer profiles where BTID wins, and the three buyer profiles where whole life or IUL actually beats BTID.
Foresters Financial Life Insurance Review
Foresters Financial is an A rated fraternal benefit society founded in 1874 and headquartered in Toronto, Canada. It is one of the largest fraternal life insurance providers in North America. Member benefits (orphan grant, scholarship, family health benefit) are included at no extra cost with every policy.
Selecting Life Insurance When HIV Positive: Essential Guide
Can you get life insurance if you have HIV? Read Insurancy’s guide to getting life insurance for HIV patients and get answers to frequently asked questions.
What Pet Insurance Does Doesn't Cover
Find The Best Policy Find The Best Policy Start If getting health insurance for your furry friend has been on your mind, it pays to know what is generally covered and what isn't.
Life Insurance Needs Calculator
Getting started with life insurance can be overwhelming. For most individuals, the question they ask themselves after whether or not they need life insurance, is how much. Most people underestimate how much life insurance they need. In addition they overestimate the cost by 200%.
Healthy Paws Pet Insurance Review
Find The Best Policy Find The Best Policy Start A Healthy Paws pet insurance plan covers your pet in the event of an accident, emergency, or illness, such as cancer or a genetic condition. It is available for dogs and cats under the age of 14 years with no pre-existing conditions.
What Is the Best Car Insurance With a Bad Driving Record?
A bad driving record can raise your car insurance rates. When you have accidents and moving violations, auto insurance companies consider you a higher risk, and they charge more in premiums to compensate for that risk.
Top Colorado Motorcycle Insurance: 5 Affordable Options
What are the cheapest motorcycle insurance providers in Colorado? Get free quotes and compare rates through Insurancy today.
Dairyland Motorcycle Insurance Review
Read our comprehensive Dairyland motorcycle insurance review to help you decide whether or not this product is the best one for you.
Using SSA.gov for Your Social Security and Medicare Benefits
Learn about the Social Security Administration (SSA) and the SocialSecurity.gov website. We help you take control of your Medicare coverage.
5 Star Life Insurance Review
5Star Life is a relatively new company, founded in 1996 as part of the Armed Forces Benefit Association (AFBA). The AFBA has been offering life insurance to service members since 1947.
Figo Pet Insurance Review
Find The Best Policy Find The Best Policy Start
Individual Disability Insurance
Find The Best Policy Find The Best Policy Start Disability policies are there to cover you in the event that you can’t work, either because of illness or injury.
Insurancy Founder Brian Greenberg Selected for Million Dollar Roundtable
Moral: Don’t bother your customers, and they’ll reward you with their business!
Medicare Supplements
Finding the best Medicare Supplement plan to meet your needs is key to ensuring your future health care. Compare plans and determine which is right for you.
Independent Insurance Agent: How You Benefit
An independent agent works for you and is not tied to any insurance company.
Who Qualifies for Free Medicare Part A
Free Medicare Part A will start at age 65 as long as you are:
Medicare Part A
Medicare Part A is the hospital/inpatient coverage portion of the traditional Medicare program provided by the federal government. Medicare Part A covers